To all CAIP members,
Please note that
effective March 1, 2009 the following changes to the CAIP program will take
effect. As done in the past, in view of
the numerous renewal dates with the Sport Federations, the changes will be
phased into effect as the “In Canada” renewals occur during the year. For example, if a renewal is September 1st,
2009 the old program is in effect until that date and then the renewal will be
based on the new program.
Current Benefits
1.)
Physiotherapy,
Athletic Therapy and Massage Therapy
We are very pleased to
advise that the per treatment limit has increased from $40 to $45. The maximum reimbursement has increased
as follows:
Plan Old Limits New
Limits
Bronze $320 $450
Silver $720 $900
Gold $1,200 $1,350
2.)
Chiropractor
The per treatment limit has increased from $30 to $35. The maximum reimbursement has increased as follows:
Plan Old Limits New
Limits
Silver $450 $525
Gold $600 700
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3.)
Paramedical
Services
The per treatment limit has increased from $30 to $35. The maximum reimbursement has increased as follows:
Plan Old Limits New
Limits
Silver $450 $525
Gold $600 $700
Over the years we have
received many requests for the following new benefits to form part of the CAIP
program. At long last, we are very
pleased to announce that we can now offer these new benefits in the CAIP
program. As you will see, we are
proceeding cautiously, and we will be monitoring the effect that these new
benefits will have on the claims experience of the CAIP program. We hope that with this enhanced insurance
protection, it will help the CAIP members deal with ever increasing medical
costs.
1.)
Home
Alteration and/or Vehicle Modification Benefit
Plan Maximum Reimbursement
Silver $5,000
Gold $10,000
Please note that the following benefits are only offered at the Silver and Gold Levels and are not currently available at the Bronze level.
2.)
X-Rays and
Laboratory exams
Plan Maximum Reimbursement
Gold $800
X-Rays and laboratory
exams will include coverage for MRIs, Cat Scans and Ultrasounds as a result of
an injury as defined in the policy wording.
The amount payable is subject to a co-insurance of 70% and the overall
maximums shown above. For instance,
under the Gold plan, if a MRI costs $1,000, the member will be required to pay
$300 and the insurance company would pay $700.
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3.)
Family
Transportation and Accommodation Benefit
Plan Maximum reimbursement
4.)
Evacuation
Benefit
Plan Maximum Reimbursement
Gold $7,500
5.)
Repatriation
Benefit
Plan Maximum Reimbursement
Gold $7,500
Effective from March 1st,
2009, the following new rates will take effect. As advised previously, in view of the numerous renewal dates with
many of the Sports, the new premiums for the In Canada coverage will be phased
into effect as the renewals occur during the year. There are no changes to the premium rate for the Bronze level. The premium remains at $65 per person per 12
months. Similarly, the Out of Canada
premium rate remains unchanged at $30 per week of travel.
Plan Old Rates New
Rates per person per 12 months
Gold $230 $285
The new policy wording
together with this letter will be posted on our web site very shortly. The new wording will have the complete
details of all the changes and the new benefits that will form part of CAIP.
We are continually
working to provide the Canadian Sport Community the highest level of insurance
coverage at the lowest possible costs.
We hope that the CAIP insurance protection does its part to help the
athletes deal with mounting medical / therapy costs. These costs are either not covered by provincial medicare and/or
there are time constraints which pose a strain on the athletes obtaining the
needed services to treat their sport accidents and “Overuse” injuries. Since 1982, we have not wavered from our
original commitment to provide the same level of insurance coverage at the same
rates to all Canadian athletes regardless of their sporting activity.
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Should you have any
questions at all, please do not hesitate to contact me.
Sincerely,
Michael Kirsch