Guest contribution from UBC Benefits Specialist Stephanie Mah
Summer vacation is right around the corner. Before you leave, there are several things you should know about your health and wellbeing travel benefits coverage through UBC, including:
- What documentation to take with you; and
- What to do in the event of a medical emergency.
It is important to plan ahead and understand the associated risks when travelling to other parts of the world, so that you can prepare for events that may occur.
You are invited to learn more at the Understanding Your Travel Benefits Info Session
June 21, 2016 @ 12-1pm – For more info and to register, click here.
Summer is here, and you may be preparing for vacations both at home and abroad. This information session will be useful for anyone wanting to know more about travel benefits and how to be prepared in a medical emergency. Join UBC Benefits Specialist, Stephanie Mah, in this one-hour session on understanding your travel benefits and ensure that your well-earned vacation is as stress free as possible.
For Coverage while travelling outside BC or Canada: Reimbursement depends on the expense.
Physician and hospital expenses covered by the Medical Services Plan of BC:
Medically necessary expenses that are typically covered by the Medical Services Plan of BC (MSP), are covered only in the event of an emergency only, if incurred outside of BC or Canada, such as:
- out-patient and physician’s services
- services and supplies while in hospital
- a hospital room (shared)
These services are not covered in non-emergency situations.
MSP is the first payor of these expenses and they will pay up to the BC rate. If you are covered under UBC’s Extended Health plan, Sun Life will pay the difference, up to 100% and up to your overall lifetime maximum of $1-million per person.
Medical expenses covered by UBC’s Extended Health Plan:
Also covered are expenses incurred outside BC or Canada that are typically covered by UBC’s Extended Health plan with Sun Life (e.g., ambulance, prescription drugs, medical equipment and supplies, paramedical services (only covered in North America) and vision care benefits), subject to the conditions outlined in your plan. These are covered in a medical emergency as well as non-emergency situations.
Payment for these expenses will be limited to the reasonable & customary charge within BC, and in Canadian funds.
How much is covered?
- Eligible expenses are covered at 100% less the deductible, up to your overall extended health lifetime maximum. Your overall extended health lifetime maximum at any point in time is $1-million, less any amount Sun Life has reimbursed since you were enrolled in the plan.
- To determine the extended health plan balance for you and/or each of your covered dependents, contact Sun Life at 1-800-361-6212 or 1-800-661-7334.
- You are covered for a period of 365 days of absence per trip. If you are hospitalized during this period as a result of a medical emergency, in-patient services are covered for up to 90 days.
Are there exclusions/limitations under the Plan?
Yes. For more information, please visit: http://www.hr.ubc.ca/benefits/travel/exclusions/.
What documentation should you take with you?
- Sun Life Coverage Card (downloadable from the Sun Life website)
- BC Care Card/BC Services Card
- Letter from UBC Human Resources confirming medical coverage while travelling (if required for tour company)
- Medi-Passport information
- Family doctor’s contact information
What should you do in a medical emergency?
Seek medical attention as necessary and contact Europ Assistance, Sun Life’s travel benefits provider as soon as possible. Europ Assistance will set up a file for you and monitor your progress. In some instances, Europ Assistance may remit payment directly to the hospital.
- In the USA and Canada, call: 1-800-511-4610
- In Mexico, call: 001-800-368-7878
- Elsewhere, call: * 202-296-7493 (call collect if available)
- E-mail: email@example.com
Should I purchase additional insurance?
UBC is able to provide information about your coverage while travelling outside of BC; however, the decision to purchase additional medical or other insurance is yours to make. Prior to travel, we recommend that you visit the UBC Travel Benefits page (www.hr.ubc.ca/benefits/travel) to understand your coverage as well as the exclusions and limitations to the plan. If you are satisfied with the level of UBC coverage, you may not need to purchase additional insurance.
Want to know more?