When employees transfer to Canada,
they may need to be covered before they’re covered.
Inpatriate Benefits
Government health plans usually have a three-month waiting period, which leaves employees transferred from other countries with a gap in coverage. Sutton Special Risk has designed a flexible and cost-effective plan to protect inpatriates until they qualify for provincial healthcare, or for their full work term in Canada. Coverage is also available for Embassy employees and international students. Sutton’s Inpatriate Benefits plan offers coverage on a group or individual basis. The plan can be designed as a short-term provincial healthcare replacement policy or as a longer-term comprehensive policy tailored to the needs of your clients’ employees.
Short Term Extended Healthcare
Major Medical up to $5,000,000
Dental benefits can be added
Emergency treatment outside Canada for trips up to 30 days
Medical, Travel and Security assistance services
Political, Security and Natural Disaster Evacuation
Option for no pre-existing condition clause
Comprehensive Inpatriate Package
The following benefits can be purchased stand-alone or packaged together, with flexible limits, preferred pricing, and reduced underwriting:
Major Medical up to $5,000,000
Dental up to $2,000 per person per year
Accidental Death & Dismemberment up to $1,000,000
Total Disability coverage based on earnings
Life insurance up to $500,000
Medical, Travel and Security assistance services
Political, Security and Natural Disaster Evacuation
War Risk & Terrorism coverage available
Kidnap, Ransom & Extortion coverage available