OUR SERVICE OFFER Comprehensive and competitive group insurance solutions

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1 OUR SERVICE OFFER Comprehensive and competitive group insurance solutions

2 Introducing Desjardins Insurance A member of Desjardins Group and a strong financial partner Desjardins Insurance is the life and health insurance arm of Desjardins Group, the largest cooperative financial group in Canada. Desjardins Group was named North America s strongest bank and ranked among the Top 5 worldwide on Bloomberg s list of the World s Strongest Banks in With total assets of over $229 billion, Desjardins Group is recognized worldwide for its financial strength. Group insurance premiums administered by Desjardins Insurance have been growing steadily year after year. Our experience and expertise serve our clients well, whether they are large or small businesses or in the public or the parapublic sector. Our mission Our mission is to offer a comprehensive range of group insurance products and services that encourage health and wellness in the workplace. Our goal is to give our clients a safety net for when they have to deal with unexpected circumstances or health problems. Our vision We are a Canadian leader in group insurance recognized for our close client relationships, our optimal approach to health management and our membership in the Desjardins family. It s what sets us apart, and it helps us create a distinctive client experience and lasting partnerships with our group advisors and plan sponsors. Our position in the group insurance industry Top insurer in Quebec* Fourth in Canada* Over $2.4 billion in net premiums in 2014 More than 1.6 million plan members * Group Universe Report, Fraser Group, Our approach: a 360 Solution Our 360 Solution can be customized to meet the needs of any business. It s group insurance with a human touch, linking the health of the individual to the overall health of the organization. It s insurance that delivers, and it s constantly evolving to help clients reach their growth objectives. PAGE TWO

3 Choosing Desjardins Insurance At Desjardins Insurance, respect for people and their needs always comes first. Our life insurance and accidental death and dismemberment coverage are designed with the individual in mind. We believe that an organization is only as healthy as its employees, so we offer comprehensive health insurance solutions that can t be beat: Extended healthcare insurance Covers medical and paramedical expenses, hospitalization, prescription drugs, vision care expenses and out-of-province emergency expenses. Drug insurance Offers numerous options as well as a full range of cost-management tools, such as a prior authorization program, the Active Pharmacy, generic substitution, tiered plans, managed (dynamic) drug lists, reasonable and customary fees, preferred pharmacy networks, a hospital and speciality drug program, and a utilization review program. Dental care insurance Covers a wide range of dental care and procedures. Health spending account Designed to expand plan members coverage and meet their specific needs. Wellness account Covers certain fees related to plan members health, such as gym membership fees and costs associated with nutrition and general personal development. This type of account encourages plan members to adopt and maintain a healthy lifestyle. Travel assistance Provides personal, medical and financial assistance 24/7, anywhere in the world. Insurance for plan members working abroad Provides coverage for employees working abroad. PAGE THREE

4 Rising healthcare and disability costs mean employers need a complete, comprehensive and proactive approach to their group plan s performance managing. Part of our role as an insurer is to offer disability coverage and services that meet employees needs while helping employers keep their disability management costs under control: Short- and long-term disability An important part of our approach is understanding a disability s underlying causes and contributing factors. Our teams are all trained to perform this analysis and expertly handle even the most complex disability cases. Disability management advisory services For companies that choose to manage their own short-term disability salary continuation program. Convalescent care Helps employees get back to work after day surgery or hospitalization. Critical illness insurance So employees can focus on recovering, without jeopardizing their financial health. We have one of the most comprehensive critical illness products on the market, covering 31 critical illnesses for adults and 38 illnesses for children. Better disability management starts with promoting health. Prevention is a key part of optimal health management that not only helps prevent disability, it encourages healthy plan members to stay healthy. Our services include: Health is Cool 360 The Health is Cool 360 platform gives plan members answers to all their health and wellness questions, and helps them navigate our complex healthcare system. It includes an interactive health evaluation tool that generates a confidential report on the state of their health and a customized action plan with practical recommendations. And employers can get an overall snapshot of their workforce s health so they can target problem areas and find solutions to help them manage healthcare costs. Posaction Our Employee Assistance Program is a confidential psychosocial intervention service for plan members and their immediate families. Health assistance service Plan members can call this telephone service to get answers from healthcare professionals about their health, fitness, nutrition, vaccinations, local resources and more. Health PACT This service focuses on Prevention, Assistance and Counselling by Telephone, providing a proactive approach to keeping employees at work. An integral part of the Health is Cool 360 platform, it specifically targets chronic conditions that are frequent causes of absenteeism and high group plan costs. PAGE FOUR

5 PerformPlus A competitive full-service plan designed for small- and medium-sized businesses. With many options available, it provides the flexibility necessary to design plans that can be adapted to the needs of plan sponsors and plan members. And thanks to the tools we ve created for administrators, it s also easy to manage. Health Track Insurance Allows plan members who are retiring or leaving their jobs to convert certain group insurance benefits into individual benefits. There are three options to choose from based on the plan member s needs and budget. They can convert, without evidence of insurability, by submitting their application within 60 days following the date their group insurance plan ends. Online services: Less paper. More efficient. Our portfolio of high-performance services and tools makes group plans easier to manage and plan member files easier to access, all in a secure environment that s intuitive and user-friendly. Plan administrators services: Secure site Transfer of electronic data (TED) Plan members services: Secure site Drug cost simulator Plan members can quickly check if their prescribed drug is covered under their plan, get an estimate of how much they ll have to pay and compare the cost of the drug to a less expensive generic equivalent. Our mobile apps Claim 360 provides a multitude of useful options for managing your plan, including the ability to submit claims for services provided by healthcare professionals. The Desjardins travel solution provides immediate, practical travel assistance anywhere in the world. Our administrative services: IntelliFlex combines our administration and enrollment tools for groups that want to set up a flexible plan adapted to the needs of each plan member. Among other things, it helps plan members select their options during enrollment and re-enrollment campaigns. Self-insured benefit plans: ASO, BASO, Cost Plus PAGE FIVE

6 Doing business with Desjardins Insurance Choosing the right insurer is a good way to ensure the health of employees and the organizations they work for; at Desjardins, we offer our clients group insurance that takes care of both. Here are nine good reasons for doing business with us: We are a financially strong and stable company. Our integrated approach to disability management is unique. We have a dedicated team of client-focused experts serving our clients from our offices across Canada. Our clients can vouch for the quality, speed and reliability of our service. We take a human approach and have been listening to people and putting people first for over 100 years. We have excellent resources to help clients make informed decisions. Our expertise includes our ability to properly identify the specific needs of each organization and propose solutions that will work for them. Our ability to establish lasting client relationships means reliable plans and support you can trust. Partnership has always been part of our service offer. It s the basis of our business relationships with the thousands of employers across Canada who have entrusted their group benefits plans to our care. PAGE SIX

7 Health matters Health is the cornerstone of our corporate philosophy. The financial security of our clients, partners and employees is directly linked to protecting and maintaining their health. Other key values include cooperation and helping others. That s why we have chosen to support organizations, associations and foundations specializing in prevention and health research across Canada: Jewish General Hospital Foundation Montreal Heart and Stroke Foundation of Canada Down Syndrome Research Foundation Canadian Mental Health Association BC Children s Hospital Foundation Ronald McDonald House Transplant Québec Centraide Québec YMCA PAGE SEVEN

8 About Desjardins Insurance Desjardins Insurance has been offering a wide range of life and health insurance and retirement savings products to individuals, groups and businesses for more than a century. As one of Canada s five largest life insurers, it oversees the financial security of over five million Canadians from offices across the country. Desjardins Insurance is part of Desjardins Group, the country s leading cooperative financial group. Please feel free to contact us for additional information about our products and services. Desjardins Insurance Vancouver Winnipeg Montreal Dartmouth Calgary Toronto Lévis St. John s Edmonton Ottawa Visit our website at: desjardinslifeinsurance.com Proud Partner of Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Registered trademark owned by Desjardins Financial Security Posaction is a registered trademark owned by Solareh. 100% This document is printed on Rolland Enviro paper E (15-07)

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