TOP-UP INSURANCE
Top-up insurance allows clients to obtain insurance coverage to complete a contract that they have with another insurer.
Top-up insurance IS NOT a contract extension.
If your client has a Blue Cross Individual, Package or Annual contract and needs additional days of coverage, you must sell a contract extension.
The client must purchase Top-up insurance BEFORE leaving their province of residence.
Your client must obtain authorization from their first insurer to purchase the Blue Cross Insurance product.
Exclusions due to pre-existing conditions apply before the actual departure date of the insured person.
You must advise your client that:
- The exclusions that govern the Blue Cross contract only apply during the period they are covered by Blue Cross.
- A health condition can be covered by one insurer and excluded by the other.
- The client is responsible for knowing what their initial coverage includes and the exact number of days covered by the primary insurer.
Example
Your client has access to 60-day travel insurance coverage through their group insurance plan with insurer XYZ. They would like to spend 100 days abroad.
Solution:
60 days with insurer XYZ + 40 days with Blue Cross Top-up insurance = 100 days of coverage.
If your client decides to extend their stay, then you will need to sell a contract extension.
Maximum coverage per person
| Coverage | Maximum coverage per person | |
|---|---|---|
| Emergency Medical Care | $5,000,000 (optional deductible) | |
Selecting the plan
To access the Top-up insurance product on the sales portal, you must:
- Click on Quote/Issue.
- Check Top-up insurance.
- Add information on the first insurer (name, reference number and type of insurance).
- Provide information on the trip and the person(s) to be insured. The system will show you the applicable premium.
