The keywords of your group insurance
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Accomodation contract - Trip cancellation
The private rental contract does not include any reimbursement provision in case of cancellation, and some accommodation websites may not be recognized by the insurer in the absence of a cancellation clause in their contract. Policyholders were informed of this policy through communication from the insurer in July 2021.
An annual deductible applies per certificate. This is the agreed-upon amount that the member must pay before the insurer begins to reimburse the coverages provided by the insurance policy. It is a single deductible, applicable to expenses incurred by both the member, their spouse, their dependents, and the person with a functional impairment, if applicable.
Home accessories are not covered by the therapeutic appliance warranty. This means that items such as a toilet seat, a grab bar, a humidifier, an air conditioner, an air purifier, products from the Docteur Gibaud range, an electric cushion, a car heating cushion, a solar lamp, an electric toothbrush, a whirlpool bath, a sheepskin, etc., are not eligible for reimbursement. Please inquire before making a purchase.
Unlike other professionals for whom a prescription is not required, the requirement of a medical prescription for massage therapy aims to ensure that the treatment is medically necessary and appropriate for the patient. This also helps ensure that healthcare costs are used responsibly and in accordance with medical guidelines.
According to the terms of the insurance contract, a maximum reimbursement of 6 postoperative bras is established for the lifetime of the insured. This means that expenses related to the purchase of these bras are covered up to this specified number. This ceiling ensures adequate financial support while avoiding excessive expenses.
Submitting a power of attorney to the insurer of the group insurance is an essential step to safeguard one's interests and ensure the continuity of financial protection, even in the event of incapacity. This simple yet crucial measure provides additional security and peace of mind to all members and their families, ensuring that their insurance needs will always be addressed, regardless of circumstances. The member can contact Beneva's customer service or submit a letter along with their power of attorney requesting the insurer to confirm receipt of the power of attorney.
Rental of an oxygen concentrator (portable or stationary)
The rental of an oxygen concentrator (portable or stationary) is reimbursable at 80% according to the contract. There is a maximum of 12 months of rental allowed over the lifetime. The purchase of the concentrator would also be reimbursable at 80%. Rental fees already reimbursed are deducted from the eligible amount for the purchase of the device. The expected frequency for purchase is once every 5 years. Accessories and oxygen refills are also covered at 80%. If the need is recurrent, it is more cost-effective to purchase the concentrator.
Risk Activities - Travel Insurance
This coverage does not cover losses resulting from the insured's participation in hang gliding, paragliding, parasailing, bungee jumping, mountaineering, skydiving, or any similar activity, extreme or combat sports, participation in any motorized vehicle competition, or participation in any sports activity involving remuneration.
It is crucial to keep the SSQ insurance card in your wallet while traveling, as it contains vital information, including emergency contact numbers when you are abroad. Even though the name Beneva is ubiquitous since the merger of SSQ and La Capitale, there will be no mass mailing solely to replace an SSQ card with a Beneva card.
Travel Assistance - Limitations
Neither the insurer nor the travel assistance company are responsible for the availability and quality of medical and hospital care, nor for guaranteeing access to such care. Some services may not be available in certain countries. It is strongly recommended to inquire about this matter.
Trip Cancellation - Limitations
In case of trip cancellation prior to departure due to a travel advisory issued by the Government of Canada, the insured must contact CanAssistance for instructions, and this must be done 72 hours before a deposit becomes due or 72 hours before the scheduled departure date, whichever comes first. For any other reason for trip cancellation prior to departure, the insured must always contact CanAssistance for instructions, no later than 48 hours after the occurrence of the event that may result in eligible cancellation fees.