Insurance Group Association PME
More flexiblemore affordable with the guaranteed renewable premium leveled !
The plan PME gives you the benefits of a group insurance in formula Group Association is flexible and affordable.
Designed for small and medium-sized enterprises, the Plan PME offering all the benefits of a group insurance without drawbacks : it is you who choose the extent of your insurance coverage Group Association PME.
The program offers several essential guarantees : disability, general expenses, annuity hospital, term life, complementary health insurance, prescription drug insurance and dental care.
The general idea
The plan PME you offer, as an employee or owner a PME can provide you a health insurance and disability benefits to the card with the aim to protect you in the event of accident or illness.
Assurez le bien-être de vos employés en leur proposant une couverture d’assurance adaptée à leurs besoins, à la fois flexible, abordable et spécifiquement pensée pour les petites et moyennes entreprises (PME) du Québec.
Offrir une telle solution contribue à leur satisfaction, leur fidélité et leur motivation, tout en renforçant la compétitivité de votre entreprise sur le marché.
The Plan PME advantageously reassuring
- Each group of insured, determines its cover and the holder of the policy.
- New businesses can join immediately.
- Businesses that are not eligible for group insurance may join our group programs association of SMES.
- Companies with a collective insurance too expensive can subscribe to the SME program.
- No contribution required by the employer.
- No obligation to subscribe for all employees.
- Several other optional coverages offered.
- Renewal premium stable and advantageous.
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Articles et Ressources Utiles
Explorez nos articles et ressources utiles pour découvrir des conseils pratiques, des informations pertinentes et des outils adaptés à vos besoins.
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COVERAGES
Salary insurance, disability, short-term and long-term formula Group Association PME
MEDICAL CARE COVERAGE, DENTAL
Prescription drugs
Ensure the future of your loved ones and your business.
- Generic drugs (the drug of marked filed is reimbursed up to a maximum of the price of the generic drug equivalent)
- Coverage of 70% to 80 % of the first $ 750 of eligible prescription drugs not covered by provincial health insurance, up to a maximum of $ 525 / per insured person, per calendar year.
Exclusions : smoking cessation products, contraceptives, fertility drugs, erectile dysfunction drugs, nonprescription drugs, and medications that do not require a prescription.
Dental Care
an asset health for all your employees
- Coverage to 70 % of the first annual installment of $ 575 for fillings, cleaning, descaling, reviews and polishing, up to a maximum of $ 400 per insured person, per policy year
- Recall examination every nine months, per insured person.
- The compensation is determined based on the fees stipulated in the Tariff acts of oral hygiene of the Association of dental surgeons of the province. Any increase in fee gives rise to an increase in the price of the warranty dental Care plan Combination More Flex Health.
The basic guarantees of the following are included in the plan Combination More
Supplementary health insurance (guaranteed original)
- Lifetime Maximum of $ 250,000 per insured person .
- Browser's Health - Through Health service Navigator, you and eligible family members can quickly and easily get answers to your questions and access to support services. You simply go on the Internet or call the toll-free line for you to connect to the Browser's Health, in which you will find information, services, medical coordination and guidance on how to navigate the canadian system of health care. In addition, if you want a second opinion from a world-class hospital, Health service Navigator will help you get it.
- The compensation is determined based on the fees stipulated in the Tariff acts of oral hygiene of the Association of dental surgeons of the province. Any increase in fee gives rise to an increase in the price of the warranty dental Care plan Combination More Flex Health.
- Chiropractor, chiropodist, osteopath, naturopath, podiatrist, massage therapist, duly authorized, acupuncturist : up to a maximum of $ 25 per visit and visits 20 by risk category, per insured person, per policy year.
- X-rays by the chiropractor : up to a maximum of $ 35 per insured person, per policy year.
- Psychologist or psychotherapist : up to a maximum of $ 80 for the first visit, $ 65 for the following visits, and 10 visits per insured person, per policy year.
- Physiotherapist : up to a maximum of $ 250 per insured person, per policy year.
- Services and home care nursing, prosthetic devices and durable medical equipment : the maximum by guarantee, per insured person, per policy year is shown in the following table :
1 year
1 000 $
2 year
1 300 $
3 year
1 500 $
4 year
1 700 $
5 year +
3 000 $
- Orthotics : a maximum of $ 225 per person per contract year.
- Speech-language pathologist : a maximum of $ 65 for the first visit, $ 45 for the following visits, and 10 visits per insured person, per policy year.
- Service Answering individual LifelineMD : maximum of 6 months of service per insured person per period of 3 years contract.
- Dental care after an accident : maximum of $ 2,000 per insured person, per policy year.
- Ambulance transportation : no maximum for the land transport and transport by air ambulance.
- Ct scans : up to a maximum of $ 200 per insured person, per policy year.
- Auditory prostheses : up to a maximum of $ 400 per insured person, per period of four years of performances in a row.
- Ultrasound: $ 50 maximum per insured person, per year.
- Audiology : up to a maximum of $ 500 per insured person, per year.
- Magnetic resonance imaging : up to a maximum of $ 500 per insured person, per year.
- Laboratory Analyses – a maximum of $ 100 per person, per contract year for the analysis of blood and urine and throat swabs, made the result of an accident or for the purpose of diagnosis or treatment of a disease.
- Test, prostate specific antigen (PSA) – a maximum of $ 75 per person, per year of the contract, for the payment of expenses incurred for the tests necessary for the diagnosis or treatment of a disease, when they are prescribed or requested by the treating physician.
- Test CA 125 – maximum of $ 75 per person, per year of the contract, for the payment of expenses incurred for the tests necessary for the diagnosis or treatment of a disease, when they are prescribed or requested by the attending physician
Vision care (original warranty)
- A Maximum of $ 150 per insured person, per period of two years of benefits consecutive refund the cost of lenses, prescription eyeglass frames, contact lenses, and laser eye surgery.
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Up to $ 60 for the fees of the optometrist per insured person, per period of two years of benefits in a row.
(after exhaustion of plan benefits of public health insurance, if applicable)
Travel insurance
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Insurance of medical expenses in case of an emergency, up to a maximum of $ 5,000,000 per insured for the travel of 9 days or less.
(A $ 100 deductible applies to each claim.) -
Possibility to purchase 8 or 21 additional days of coverage in the form of Add.
Note : travel insurance may be limited or excluded for a disease or condition which is manifested for the first time in the 9-month period immediately prior to each departure date. Travel insurance is not offered to people aged 70 and over.
Accidental death and dismemberment (basic formula)
- Up to $ 25,000 for death or dismemberment by accident adults under the age of 65 years - Up to $ 10,000 for the death or dismemberment of children and adults 65 years and older.
- Additional warranty can be purchased as an Add-on.
Survivor benefit
- Warranty providing for the extension of insurance to the survivors for a period of one year following the death of the holder of the adult police. This warranty is extended one year after the effective date of the policy.
Get the appropriate insurance cover as soon as today !
Protect your business and your employees right now with coverage tailored to your needs.
Our brokers experts you are able to choose the insurance that best suit to your business.
Contact us for a consultation free and secure the future of your business.
FAQs
Welcome to our section Frequently asked Questions. We know that choosing the right insurance for your business can raise many questions. This is why we have put together the most frequently asked questions that our customers ask us to provide you with clear and precise answers. Whether you are wondering what coverage is best suited to your needs, how to purchase an insurance policy, or what are the steps in the event of a claim, we are here to guide you.
If you don't find an answer to your question, don't hesitate to contact us. Our team of experts is at your disposal to provide you with all the necessary information.
Why should I buy life and disability insurance for my business ?
L’assurance vie et invalidité permet de protéger votre famille et votre entreprise en cas d’incapacité à travailler ou de décès. Elle assure la stabilité financière en couvrant les dépenses et en fournissant un revenu pendant que vous êtes dans l’incapacité de travailler. Bien que l’assurance vie soit courante, il est également important de ne pas négliger l’assurance invalidité, car il est plus probable de faire face à une invalidité au cours de la vie active.
What is the difference between property insurance and liability insurance ?
Property insurance covers the physical assets of your business, such as buildings, equipment, inventory, and equipment, against physical damage (fire, theft, etc). The civil liability insurance, as it protects your business against claims for personal injury or property damage caused to third parties due to negligence or a defective product.
What is insurance against the loss of operations ?
Insurance against operating losses covers the loss of income if your business must temporarily cease its activities due to a disaster such as a fire or a natural disaster. This allows you to continue to pay your fixed costs, even if your business is interrupted.
Do I need auto insurance specific to my company vehicles ?
Oui, il est nécessaire de souscrire une assurance automobile distincte pour tout véhicule utilisé à des fins commerciales. Cette couverture protège vos véhicules et vos conducteurs en cas d’accidents ou de dommages, tout en respectant les obligations légales en matière d’assurance.
What is professional liability insurance and who needs it ?
L’assurance responsabilité civile professionnelle, aussi appelée assurance « erreurs et omissions », protège les professionnels spécialisés contre les réclamations liées à des fautes, erreurs ou omissions dans l’exercice de leur métier. Elle est particulièrement recommandée pour les professions telles que les avocats, les médecins, les consultants, et tout autre prestataire de services exposé à des risques de litiges professionnels.
