CCCC Expatriate Insurance Plan

A ministry or a church engaged in sending missionaries outside Canada may participate if it:

• maintains administrative offices in Canada;
• is a member of CCCC;
• agrees to remit one lump sum payment of premium per month for all insureds and if required, forward routine claim correspondence and distribute benefit payments;
• will insure 100% of its Canadian missionary employees who are under age 70 and posted overseas or in the USA; and
• ensures assignments are for a maximum duration of four years between furlough periods.

DEDUCTIBLE

No deductible - 100% reimbursement

MAXIMUM BENEFIT

The annual maximum per insured individual is $250,000 Cdn.

WORLD TRAVEL PROTECTION

Emergency assistance is available anywhere in the world, 24 hours a day, and is coordinated through World Travel Protection.

Premiums are charged for complete months and are billed and payable monthly in advance in Canadian dollars.

• No Deductible - 100% Reimbursement - $250,000/person/year
• Semi-Private Hospital
• Professional Services
• Ambulance Services
• Medical Services
• Obstetrical Care
• Infant Child Care
• Prescription Drugs - to a maximum of $5,000/person/year
• Annual Examination
• Nursing Services
• Paramedical Services
• Medical Supplies - to a maximum of $300/person/year

Effective Date of Individual Insurance

Each employee who is eligible for coverage under this policy shall become an Insured Person on the later of:

1. the date the Policyholder advises in writing that coverage should commence; or
2. the date of the employee's departure from Canada for the purpose of assuming the posting.

In conjunction with this plan, there are also life, Accidental Death and Dismemberment (AD&D) and dependent life benefits provided.

• The employee life benefit is $25,000 and is paid in the event of death from any cause.
• The employee AD&D benefit is $25,000 also, and is paid in the event of death due to an accident.
• If death is due to an accident, both the life and AD&D benefits are paid ($25,000 plus $25,000)
• The dependent life benefit provides coverage for the employee's spouse ($10,000) and dependent children ($5,000 each) and is payable upon the death of the spouse or a dependent child. There is also an AD&D benefit of $10,000 for the employee's spouse and $5,000 for dependent children which is paid in the event of death due to an accident.

The Basic Term Life and/or AD&D and/or spousal dependent life benefits may be converted to an individual policy in accordance with the provisions contained in the respective group policy upon termination of the missionary's employment.  The employee's benefit amount reduces by 50% at age 65 and terminates at age 70 or retirement if earlier.

Covered Losses

Coverage applies only when the mission/church has selected the benefit for all its eligible missionaries.  The benefit is 60% of salary, to a maximum of $2,500/month.

Total Disability

Total disability is defined as: unable to perform each and every duty of the workers own occupation, and not engaged in any other occupation or employment during the first 24 months of disability income benefits.  Thereafter, the worker is deemed totally disabled if unable to perform any and every occupation, employment, or business activity for wage or profit for which he/she is reasonably qualified by education, training or experience.

No Deductible - 100% Reimbursement - $1,000/person/year.

Coverage applies only when it is clearly stated in your Certificate of Insurance.

Eligible Expenses

If you or your eligible dependents require treatment, the following are considered eligible expenses if they are medically necessary.

• Diagnostic Services
• Preventive Services
• Restorative Services
• Endontic Services
• Periodontic Services
• Surgical Services