A Comprehensive Benefit Plan Designed for the Self-Employed and Small Businesses.
Hi! and welcome to the NAL Group Health Online Application.
Here, you can get pricing options and apply online for your health and dental benefits.
Here's what we are offering for your Drug and Dental coverage. Be sure to print any pages you need so you can refer back to your coverage documents.
LIFE INSURANCE
The life insurance benefit will be paid to the insured's appointed beneficiary upon the death of the insured.
All Eligible Insured: $25,000 benefit
Benefit will reduce by 50% at age 65 and terminates at age 70 or retirement, whichever comes first.
DEPENDENT LIFE INSURANCE
The following amount of benefit will be paid to the insured upon the death of his/her eligible dependent, with coverage commencing at birth:
Spouse: $5,000
Child: $2,500
EXTENDED HEALTH CARE
The following expenses are covered* with no deductibles:
| Benefit | Co-Ins. | Maximum |
|---|---|---|
| Paydirect Prescription Drugs | 80% | $2,000/year/person |
| Private Duty Nursing | 80% | $10,000/lifetime |
| Paramedical Practictioners | 80% | $400/year/practitioner |
| Chiropractor | 80% | $20/visit - $400/year |
| Eye Examination | 80% | 1 exam/24 months. $50/max |
| Orthopedic Shoes/Orthotics | 80% | $250/year |
| Hearing Aids | 80% | $400/5 years |
| Cardiac Rehabilitation | 80% | $500/year |
| Prosthetics | 80% | $25,000/lifetime |
| Medical Supplies | 80% | unlimited |
| Emergency Ambulance | 80% | unlimited |
| Accidental Dental | 80% | $2,000/lifetime |
| Anti-Smoking, Fertility Drugs & Treatments | Excluded | |
| Semi-Private Hospital | Excluded |
*All coverage subject to terms and conditions of the insurance policy.
DENTAL CARE (optional)
This plan will pay 80% of basic covered expenses with no annual deductibles. Benefit payment is based on the current provincial fee schedule to a maximum of $1,000 per calendar year per insured.
Covered expenses:
- oral examinations, cleaning and polishing of teeth, but not more than once every nine months
- fluoride applications
- x-rays
- fillings
- space maintainers
- extractions
- anaesthesia
- endodontics (root canal therapy)
- periodontics (treatment of gums and other tissue of the mouth)
- repairs or relining and rebasing of dentures
SURVIVOR BENEFIT (included at no additional cost)
If the insured dies, their Extended Heath Care and Dental coverage (if applicable) will continue without premium payment for up to six months for all eligible dependents.
All benefits terminate at age 70 or retirement, whichever comes first.
ELIGIBILITY REQUIREMENTS:
- all applicants must complete the medical questionnaire
- you must be part of a legally incorporated company, a sole proprietorship, or a partnership
- employees are eligible if the owner participates
- all applicants and their dependents must be insured under a provincial Health Insurance Plan (ie OHIP)
- the insured must be at least 18 years of age and no more than 69 years of age
LET'S BEGIN!
We've tried to make this application as easy as possible. Your completed application will be evaluated and your will be contacted by telephone about your coverage.
We've built in an online help system if you have any questions along the way, wherever you see this symbol,
you can click and get help.
So, type your name below and let's get started!