Sickness Covrage
Hospital Essentials Sickness
Because everybody gets sick.
When you suffer a sickness, you shouldn't have to worry about how you'll pay for added expenses or everyday bills.
The Hospital Essentials Sickness plan ...
Pays up to $9,000 a month directly to you, starting with the very first day you are hospitalized* due to a sickness. Plus pays you a recovery benefit following hospitalization for a minimum of 10 days.
Protects you from any sickness, such as:
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Appendicitis
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Tonsillitis
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Complications from pregnancy
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Kidney stones
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Pneumonia
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Crohn's disease
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Asthma
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Arthritis
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Ulcers
And most importantly, it protects you against the big three:
Heart Attack Cancer Stroke
In Other Words ...
Protects you 24 hours a day, 7 days a week, 365 days a year.
Pays cash directly to you in addition to benefits provided by any other insurance policy, workers' compensation, or any government employment insurance program.
Benefits of Family Plan:
You Saves you 20% when you cover yourself and your family.*
The HES plan covers you in Five important ways:
1 | Daily Hospital Confinement
We will pay you starting with the very first day you are hospitalized, anywhere in Canada or the United States, for up to 365 days per sickness.
2 | Daily Intensive Care
We will pay you if you are confined to an intensive care unit in Canada or the United States for up to 365 days per sickness. This benefit is paid in addition to the Daily Hospital benefit.
3 | Recovery Benefit Following Hospital Confinement
Following hospitalization, we will pay you for a minimum of 10 days, regardless of whether or not you are disabled. That's $3,000 if you select Plan 3. If you are hospitalized for more than 3 days, we will pay you up to 3 times the number of days you were hospitalized while you are unable to work or perform your usual activities (if you are not employed) due to disability.
4 | Recovery Benefit Following Outpatient Surgery
If you are not hospitalized, if you suffer a sickness that requires outpatient surgery and you are unable to work or perform your usual activities, we will pay you up to 14 davs while vou recover.
5 | Ambulance Reimbursement
Even if you are not hospitalized, we will reimburse you for the cost of your ambulance services based on the plan you choose.
How the Hospital Essentials Sickness plan will work for you:
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1. Pays cash directly to you to help pay added expenses when you have an accident, such as hospital room upgrades, transportation, hotel, childcare, and more.
2. Pays you for a minimum of 10 days after you are hospitalized to help with items such as loss of income whether or not you are disabled.
3. Pays you starting with the very first day of your accident.
4. Your policy is guaranteed renewable until age 85, at which time it terminates, so your policy will not be cancelled due to the number of claims you file.
5. Gives you peace of mind when you need it most so you can focus on getting better.
6. Benefits may be tax-free.
7. Saves you 39% when you purchase a family plan.*
8. The service, strength, and security of our company has protected generations of satisfied customers since 1922.
Cash is paid directly to you so you can use the cash as you wish to help pay for unexpected expenses like:
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Semi-private or private hospital rooms
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Unpaid medications
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Your family’s transportation to and from the hospital
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Hotel expenses for your family
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Meals
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Childcare
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Parking
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Loss of income while you are recovering yourself or caring for a covered family member
Outpatient Essentials Sickness
​Because many sicknesses don't require hospitalization.
If you suddenly suffer a sickness and you receive outpatient medical treatment-even if you're never admitted to the hospital-you may need help paying for unexpected expenses and everyday bills.
The Outpatient Essentials Sickness plan ...
Pays up to $4,000 per vear for outpatient surgeries based on four (4) occurrences per year.
S
Pays up to $800 per sickness for up to 20 prescribed rehabilitative treatments like speech, occupational, and physical therapy. Additionally, Reimburses up to $200 as a lump sum for prescribed medical appliances.
Protects you during any surgeries due to sickness such as:
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Pacemaker procedure
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Upper gastrointestinal endoscopy
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Cataract surgery
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Skin graft
In Other Words ...
Covers you regardless of your occupation or hobbies, 24 hours a day, 7 days a week, 365 days a year.
Pays cash benefits in addition to benefits provided by any other insurance policy, workers’ compensation or any government employment insurance program.
Benefits of Family Plan:
You Saves you 20% when you cover yourself and your family.*
2 | Rehabilitative Therapy
We will pay you up to $800 for your doctor-prescribed rehabilitation therapy. ** This includes physical, speech, or occupational therapy treatments.
3 | Medical Appliance Reimbursement
We will reimburse you in cash up to $200 for the purchase or rental of medical appliances like ventilators, crutches, wheelchairs, walkers, nebulizers, etc., if prescribed by a doctor.
The OES plan covers you in Three important ways:
1 | Outpatient surgery​​
We will pay you up to $1,000 per surgery if you or a family member" requires outpatient surgery.**
How the Hospital Essentials Sickness plan will work for you:
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Pays cash directly to you when you need it most.
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Pays cash in addition to other benefits you receive.
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Pays you a lump sum for outpatient surgery.
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Pays for doctor-prescribed rehabilitation therapy as well as reimbursement for medical appliances.
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Your policy is guaranteed renewable until age 85, at which time it terminates, so your policy will not be cancelled due to the number of claims you file.
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Gives you peace of mind when you need it most.
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Benefits may be tax-free.
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Saves you 20% when you purchase a family plan.*
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The service, strength, and security of our company has protected generations of satisfied customers since 1922.
Cash is paid directly to you so you can use the cash as you wish to help pay for unexpected expenses like:
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Unpaid medical bills and medicines
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Childcare
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Utilities
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Groceries
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Gas
Income Essentials Sickness
​Because suffering from a sickness can also hurt your income.
No one plans on getting sick and some of us can only manage a day or tow without pay. the extra protection from disability insurance works to sage guard your income.
The Hospital Essentials Sickness plan ...
Pays up to $2,000 a month for each accident, starting the first day you can't work.
Pays up to $2,000 a month if you are partially disabled for a maximum of 30 days.
If you still cannot work full-time after Total Disability, the Return to Work benefit pays you up to $1,000 for a maximum of 30 days
Covers you during any Sickness, such as:
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Cancer
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Stroke
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Heart Attack
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Appendicitis
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Kidney Stones
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Pneumonia
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Pregnancy Complications
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Multiple Sclerosis
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Crohn's Disease
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Arthritis
In Other Words ...
Covers you regardless of your occupation or hobbies,* 24 hours a day, 7 days a week, 365 days a year.
Pays cash directly to you in addition to benefits provided by any other insurance policy, workers’ compensation, or any government employment insurance program.
1 | Total Disability
We will pay a benefit directly to you up to $2,000 a month for up to 6 months if your Sickness results in Total Disability.
2 | Partial Disability ​
We will pay a benefit directly to you up to $2.000 per accident if you should become partially disabled for up to 30 days.
3 | Return to Work
We will pay a benefit directly to you up to $1,000 per accident if vou are partially disabled following Total Disability for up to 30 days.
4 | Return of Premium Rider
​​We will pay you back 50% or 100%** of premium payments, less any claims paid, after the policy and this rider are in force for 20 consecutive years.
The IES plan covers you in Four important ways:
How the Hospital Essentials Sickness plan will work for you:
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Pays benefits directly to you when you need it most.
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Pays in addition to other benefits you receive.
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Protects you with up to six (6) full months of coverage, which increases one month per year for every year in force up to 24 months.
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Affordable protection that helps you take care of yourself and your family.
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Your policy is guaranteed renewable until age 75, at which time it terminates, so your policy will not be cancelled due to the number of claims you file.
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Gives you peace of mind when you need it most so you can focus on getting better.
-
The service, strength, and security of our company has protected generations of satisfied customers since 1922.
Benefits are paid directly to you so you can use the cash as you wish to help pay for unexpected expenses like:
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Loss of income
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Mortgage or rent
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Loan and credit card pavments
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Children's education
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Groceries, utilities
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Household help
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Unpaid medical bills
30 min