HEALTH DECLARATION
The health declaration makes it possible to exclude or cover certain medical conditions and to determine the premium. It also includes the notice regarding pre-existing conditions. The system will indicate the name of the client who must complete the health declaration. You will need to complete one declaration per person.
The following clients must fill out the health declaration:
- Clients 55 to 59, travelling 18 days or more
- Clients 60 or more, all trip durations
The declaration is divided into sections. Each section contains all the relevant information to guide you in the transaction process.
At each step of the transaction, you will need to confirm that you have asked each question and explained the product offered as well as the limitations, reductions and exclusions of coverage to your client. You should clearly ask your client each question before checking off the answer, making sure they have a good understanding of the product and its limitations, reductions and exclusions.
Your client should make sure they answer all questions honestly. Providing incorrect information could result in a claim being refused. It is important that you make sure that the notices and declarations have been properly completed so that your client is covered in the event of a claim.
Section 1 of the health declaration: Medical conditions excluded or covered
Section 1 is used to determine whether certain types of medical conditions will be covered or excluded. Here is the list of conditions assessed in this section:
- Cardiovascular conditions
- Kidney conditions
- Organ transplant
- Lung conditions
- Cancer
- Gastrointestinal conditions
Based on the answers provided by your client, the system will determine if the reported medical conditions will be covered. Three scenarios are possible.
| Scenario 1: One or more medical conditions excluded | |
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Your client may wish to purchase the insurance contract even if a medical condition is excluded from coverage. If so, it is essential that your client is clearly informed. |
| Scenario 2: Medical questionnaire to be completed | |
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The sales portal will indicate the medical conditions for which a medical questionnaire can be completed, if applicable. For more information, see the “Medical questionnaire” section. |
| Scenario 3: Covered medical conditions | |
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If the sales portal indicates that all medical conditions are covered, you can proceed to the next step. |
Notice regarding pre-existing conditions for clients who have completed a health declaration.
The notice regarding pre-existing conditions is presented as a statement. This notice applies to all medical conditions other than those contained in this section. You should read this notice clearly to your client and make sure they understand it.
Section 2 of the health declaration: Personalized premium
The questions in this section allow you to finalize the premium calculation.
Certain medical conditions considered stable are covered by travel insurance. Take the time to read the questions carefully and explain to your client the importance of stability.