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Expatriates

Why should you purchase group expatriate insurance?

When planning to send employees abroad, there are many issues to consider. Deciding on health insurance is just one of them. Viator™ Group Expatriate Health Insurance gives you the confidence that comes from knowing you have made the right choice.

Canadians planning to live and work outside the country have particular health insurance needs and are strongly advised to purchase expatriate health insurance. Viator Group Expatriate Health Insurance provides a comprehensive package of worldwide healthcare benefits.

Who is eligible?

Canadian employers with employees under age 70, living or working outside of Canada.

NOTE: Coverage is NOT available for Switzerland, Germany and Abu Dhabi state, in the United Arab Emirates (subject to change without notice).

Viator Group Expatriate Health Insurance offers:

• Superior customer service.
• Practical, secure and easy to use on-line services to locate hospitals and doctors, request benefit pre-authorization and direct payment to hospitals, access to claim forms and claims status verification.
• Direct deposit of claim payments into designated bank accounts in any of 110 different currencies.

Plan Features

Health Benefit Includes

Lifetime maximum per injury or sickness of $1,000,000 CAD Individual benefit maximums replenished for each new medical condition Minimum number of lives per organization is 2 lives Optional dental and vision care benefits available Basic or Luxury Plans available No medical underwriting War & Terrorism Extension available for non-medical benefits Second opinion service prior to surgery Transportation to the nearest centre of medical excellence Benefits maintained during temporary returns to Canada* Re-entry into Canada facilitated with provincial plan replacement coverage for up to 90 days*

Hospital benefits Out-patient services Routine health examination (available with Luxury Plan only) Prescription drugs Paramedical services Psychiatric treatment (available with Luxury Plan only) Nursing at home Obstetrics & well baby care Reconstructive surgery Compassionate emergency travel Repatriation or local burial Parent accompanying child Emergency dental treatment Escort of insured children under age 16 Meals, accommodation and incidental travel expenses Emergency coverage in the United States (available to worldwide coverage excluding USA only)

* Subject to limitations and restrictions

For more information about this product, please contact your insurance professional or complete our webform.