APPLICABLE DISCOUNTS
Discounts for insured persons who have a health insurance contract
Discounts are available to holders of Blue Cross health insurance plans. Refer to the “Useful documents” button to find a list of all applicable health discounts in your province.
How to apply the discount
The discount for insured persons who have a Blue Cross health insurance contract is applied by the agent during the purchase process in the “Quotation—Contract summary” section. You will need to enter the Blue Cross health insurance contract number.
Family Premium
When a single-parent or two-parent family purchases Emergency Medical Care, only the two oldest people pay a premium. The other eligible insureds registered on the contract have access to the coverage free of charge.
The family premium can apply to the following age groups:
- Clients 54 and under travelling 31 days or less
- Clients 55 to 59 travelling 17 days or less
In the Annual plan, the family premium applies to trip durations of 4, 8, 17 and 31 days. It does not apply to the Visitors to Canada plan.
Example
| Two-parent family | Single-parent family | ||
| Insured person | Annual contract premium | Insured person | Annual contract premium |
| Adult A | $75 | Adult A | $75 |
| Adult B | $75 | Child A | $30 |
| Child A | $0 | Child B | $0 |
| Child B | $0 | Child C | $0 |
| Child C | $0 | ||
Discount for grandchildren
An insured grandparent can take advantage of a $15 discount on the insurance premium for their visiting grandchildren.
To access the discount
- The grandparent must be insured with Blue Cross for their trip
- Grandchildren must be under the age of 16
- The grandparent must be the policyholder
- The grandchildren’s travel dates must be the same as or included in the grandparent’s travel dates
How to apply the discount
The discount for grandchildren is applied by the agent during the purchase process in the “Quotation - Contract summary” section. You will need to enter the grandparents’ contract number.
Discounts for travelling companions
The travelling companion of a Blue Cross insured will be able to benefit from a $25 discount on their insurance premium. The travelling companion can be a spouse, relative or friend.
To access the discount
For the travelling companion to have access to the discount, both travellers must:
- Travel on the same dates and to the same destination
- Be 55 or over
- Travel 32 days or more
How to apply the discount
The discount for travelling companions is calculated automatically if your request meets the criteria listed above. No action is required on your part.
Annual discount
The Annual discount allows your client to extend their coverage when:
- The scheduled trip exceeds the maximum trip duration included in their contract.
- Your client is currently travelling and is extending the maximum trip duration for all the coverage included in their contract.
How to apply the discount
The Annual discount is applied by the agent during the purchasing process in the “Quotation - Contract summary” section. You will need to enter your client’s Annual contract number.
Example
Your client wishes to stay in the United States for a period of 100 days. They already have a 31-day Blue Cross Annual–Emergency Medical Care contract.
Step 1: Issue a 100-day quote on the sales portal.
Step 2: Enter the contract number in the “Applicable discounts” section.
The system will calculate the new premium by reducing the premium paid for the Annual contract. (100-day premium - Annual contract premium discount in effect = Adjusted premium)
Annual renewal rebate
The Annual renewal rebate allows your client to get a 5% discount when they renew an annual plan.
Contracts must be consecutive and there must be no interruption between the initial and the subsequent contract.
How to apply the discount
The Annual renewal rebate is applied by the agent during the purchasing process in the “Quotation—Contract summary” section. You will need to enter your client’s Annual contract number.