St. Andrew s Direct Insurance & Ingle International. A Partnership that Works. Thursday, May-08-14
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1 St. Andrew s Direct Insurance & Ingle International A Partnership that Works Thursday, May-08-14
2 About St. Andrews Direct Division of St. Andrews Insurance Brokers Ltd. 20 years of experience in Group Insurance Full Service - Personal & Commercial Lines Licensed in every province Highly trained, customer focused employees Technology to create ease of business
3 3
4 The International Education Industry: Big and Getting Bigger Canada ranks as the world s 7th most popular destination for international students. International student enrollment grew from 136,000 in 2001 to over 265,000 in 2012 a 94% increase! International students comprise 6.5% of the student population in post-secondary education. According to a 2011 study, international students contribute more than $8 billion every year to the Canadian economy. International Trade Minister Ed Fast, aims to have 450,000 foreign students studying in Canada by 2022.
5 Insurance 101 Why Do International Students Need Insurance? o Access to government medical coverage (GHIP) may not be available o The cost of health care in Canada is HIGH o Without a government health plan or a private medical insurance plan, you are responsible for the FULL COST of any medical treatment 5
6 Some international students are covered by GHIP
7 Which Ones? British Columbia Alberta Saskatchewan Manitoba Nova Scotia Newfoundland International students are eligible for provincial coverage after meeting certain eligibility requirements Ontario Quebec New Brunswick PEI International students are ineligible for provincial coverage and need private insurance
8 Choices for Schools Provinces where international students can apply for GHIP: - Students covered only by GHIP - Students covered only by private insurance - Students covered by GHIP and a Top Up Plan Provinces where GHIP is not offered to International Students: - Students must be covered by private insurance 8
9 No matter your school s location or experience, assisting students with the right information is IMPORTANT! 9
10 How How much much can can it it cost? cost? Vancouver Toronto Montreal Halifax ER $550 $500 $580 $540 WARD $3,250 $2,900 $3,600 $4,100 ICU $11,500 $3,840 $3,600 $17,400 CT $1,350 $1,500 $500 $1,900 MRI $1,350 $1,500 $1,200 $2,000 *
11 How much can it cost?
12 What happens when an international student gets sick? 3 Case Studies
13 It takes an army - Who gets involved? Family members Agents School administrators Emergency Assistance Department Insurance Company Health Care Providers Claims Managers Others
14 Case 1: Appendicitis Student presented with severe abdominal pain to the hospital ER Student needed an emergency appendectomy and was admitted to hospital suffered respiratory and gastrointestinal complications Student slowly recovered in hospital for 4 days Subsequent to the surgery, the student
15 Case 2: Motor Vehicle-Pedestrian Accident Student suffered life-threatening injuries Student was hospitalized and on life support A family member travelled to Canada Student s condition deteriorated Student was taken off life support Repatriation arrangements were made for the remains and for the family member
16 Case 3: Eating Disorder Friends brought student to psychiatric clinic Student was hospitalized for 1 month Follow-up visits at student s home Student was able to return to school
17 Total Costs $ $ Case 1 $13,000 Case 2 $190,000 Case 3 $22,000
18 Food for Thought
19 Food for Thought To maintain a healthy international reputation, it is important that your students are well cared for while away from home!
20 Food for Thought Citizenship and Immigration Canada warns: The Government of Canada does not pay for the medical costs of foreign students. Health coverage for foreign students varies among the provinces. Contact the school to which you are applying to receive more information about medical coverage and health insurance.
21 Food for Thought The majority of schools require proof of health coverage to enrol in order to begin classes Some students will arrive with coverage from their home country, but a Canadian insurer is best because they know they Canadian health care system and the claims process is less complicated
22 Food for Thought Agents and students will communicate their experiences to others, and, unfortunately, bad experiences speak louder than good ones!
23 Key Things to Consider
24 Inform yourself for your students! If you are unsure about a plan or product, just ask! Your insurer should be able to answer all of your questions regarding coverage and processes
25 The Emergency assistance benefit is crucial in the event that your student needs: To find a medical facility Air ambulance Family flown to bedside Repatriation And more!
26 Decrease the Risk: Be Informed, Be Prepared, and Take Action
27 Managing Prepare Risk for the Unexpected Consider partnering with an international student insurance provider and do your research! It is important to choose a company that can provide you with all of the tools necessary to help your international students in the event of a medical situation
28 Ingle As Your First Choice for Your Students Support from the Ingle Group of Companies o Doctors and Nurses on staff through Novus Health; Technology Services with Peak Contact; Emergency and Security Assistance with Intrepid 24/7 The Most Direct-Pay Facilities o o Ingle International manages Canada's Largest Direct-Pay Network with more than 6,000 medical providers across Canada Many of these providers will bill Ingle directly for any services covered under your students plan 28
29 Ingle As Your First Choice Easy Claims for Your Students o o Students have choices-- they can submit claims online, by , by fax, or by post. Most claims paid within 7-10 business days Worldwide Emergency Assistance o Ingle International has its own emergency assistance company, Intrepid 24/7 o Intrepid 24/7 operates 24 hours a day, 7 days a week and has multilingual staff members that are dedicated to student care from start to finish 29
30 Ingle International Student Plans Voluntary Plans Silver Gold Platinum $1.45/day $1.70/day $2.00/day An overall limit of $2 million for unexpected illness or injury Emergency transportation, walk-in clinics and emergency room visits, prescription medication, and more! Access to Canada s largest Direct-Pay Network of medical facilities Students can use a credit card to purchase these plans directly online: 30
31 St. Andrew s Custom Website 31
32 Ingle International Student Plans Mandatory Plans Choice of Silver, Gold, Platinum at a special rate or our Advantage Plan A free custom website featuring the logo and branding colours of your school A percentage of the premium given back to the school as a scholarship fund The Advantage Plan has even more benefits including: Higher coverage for paramedical practitioners Higher limits for psychiatric and psychological care Higher limit for prescription drugs Coverage for injuries and illnesses as a result of substance abuse Third Party Liability Coverage 32
33 Top Up Plan Designed to pick up where GHIP leaves off! Prescription drugs Paramedical Services Travel coverage Emergency transportation Family transportation Repatriation And More! 33
34 What Are The Real Differences? 34 Voluntary Mandatory Rates Standard rates apply Group rates apply School s Role Website Points of Contact Third Party Liability Coverage School directs students to St. Andrews/Ingle website using a link on homepage or in printed materials Not school specific; student chooses the plan they feel is right for them from the St. Andrews/Ingle website Direct phone number and provided for Ingle customer service This is not included in the Voluntary Plans School is responsible for sending students enrolment information and accepting payment Website is branded specifically for each school. Information is provided for the specific plan that has been chosen by the school A dedicated relationship manager and contacts in each department Rolled into all of the group plans- at no extra cost!
35 What Are The Real Differences? Enrolment Payment Confirmation of Enrolment Voluntary User-friendly online enrollment on the St. Andrews/Ingle website Ease of payment by offering credit card or PayPal as options Students are sent policy packages directly; school can request a list of enrolled students by at any time Mandatory School will send an enrolment sheet directly to Ingle s in-house administration School is invoiced and 5% of the premiums is reinvested into the international program Policy packages are sent to school and students along with a list of who is enrolled in the plan 35
36 The Confirmation Packages Your students will receive: An Ingle International wallet card A claim form The policy booklet outlining coverage details Emergency assistance contact information For a complete list of benefits, limitations, and exclusions, please read the policy booklet 36
37 School Custom Website 37
38 Get Informed The website is full of helpful articles and tips about health care and travel! 38
39 The Find-a-Doctor Tool o Students enter the city or postal code, select a search radius, the type of facility they are looking for, and their policy number o The map will geo-point the medical facilities nearest them instantly o This tool can map facilities all across Canada 39
40 The Find-a-Doctor Tool o The search results will include contact information and indicate whether or not the facility is in the Direct-Pay Network o It can also include hours of operation, the genders of the physicians, and/or languages spoken 40
41 Emergency Medical Assistance o o o Ingle International has its own emergency assistance company, Intrepid 24/7 The contact number can be found on each student s wallet card, on the customized school website, by calling Ingle International, or on the policy wording Intrepid 24/7 helps students wherever they are in the world
42 Good to Know Additional Products Ingle International can provide insurance for alumni, staff, faculty, relatives, or friends Visitors to Canada Expatriates and more! Ask us for information on these and other products! 42
43 Contact Us Monica Agius Director of National Sales and Business Development , ext Richmond St. W. Suite 100 Toronto - ON - M5V 1Y1
44 44 Questions?
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