Quote/Issue - Health Declaration A (Couple)
- Larissa Bayet |
- 13 steps |
- 57 seconds
**Tip!** The application is intuitive and will automatically generate the relevant:
- [Eligibility & Knock-out Questions](https://qc.bluecross.ca/partner-guide/procedures_en/eligibility) *(if applicable)*
- [Pre-Existing Conditions Clause](https://qc.bluecross.ca/partner-guide/procedures_en/stability)
- [Health Declaration ](https://qc.bluecross.ca/partner-guide/procedures_en/hd)*(if applicable)*
- [Medical Questionnaire](https://qc.bluecross.ca/partner-guide/procedures_en/mq) *(if applicable)*
This is based on the travelers' age, trip duration, and selected benefits.\
\
In this document, we'll provide a step-by-step guide for generating a quote and issuing a policy for a couple subject to Health Declaration A.
Quote - Trip Information
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Click **"Quote / Issue"**
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Indicate if the sale is by phone/email by clicking **"Yes".**
If the customer is with you, in office, click **"No".**
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Click the **"Calendar"** icons and select the **departure** and **return** dates.
**Tip!** Keep an eye out for "linked text" throughout the quote and application tools. Simply hover over these links to access helpful tips and guidance as you navigate through the quote and application process.
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1. For customers interested in purchasing Trip Cancellation/Interruption Insurance: **Enter** the **total trip cost divided by the number of insured individuals.** This applies only to individuals who are eligible to be covered under the same contract.
2. Specify if the customer wishes to add Pandemic Protection to their travel insurance policy by selecting **"YES**" or **"NO"**. *(Hover over the linked text for additional details.)*
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Choose the destination from the drop-down menu.
If the trip includes multiple destinations, select **"Multiple"** from the drop-down menu or choose the location where the insureds will spend the majority of their time.
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1. Complete the required fields for *all* travelers.
2. To remove an individual from the quote/application, click the icon under **Action** beside the name of the person you wish to delete or remove from the application.
Click **"Continue"** to proceed.
Quote - Available Products & Premium
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On the **Available Products** screen, choose coverages based on the customer's specific needs and budget.
1. The [deductible](https://qc.bluecross.ca/partner-guide/procedures_en/deductible) refers to the amount the customer will be responsible for in event of a claim. It defaults to $0, but you can select a different deductible from the drop-down menu to fit the customer’s preference.
2. Click the "linked text" to view a pop-up with an overview of the benefits included in each available product or package.
3. Select product and customize coverage (*if appliable).* For additional details on available products and coverage, please refer to the [Partner Guide.](https://qc.bluecross.ca/partner-guide)
4. Explore additional purchase options by clicking the available drop-down menus. Once selected, the **product** and coverage options will turn **blue**, indicating they are being applied for.
**Note:** Accidental Death and Dismemberment and Air Flight Accident benefits *must* be purchased as a package.
Click **"continue"** to proceed through to the application.
Notice Regarding Pre-Existing Medical Conditions
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A **"Warning Notice"** will appear, indicating that you have reached the medical questions section of the application.
Click **"Close"** to continue.
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Please read the instructions thoroughly and carefully review the medical questions with the traveler(s).
Click the **"checkbox"** to confirm that you have fully reviewed the Pre-Existing Conditions Clause with the customer.
*(Note: Hover of the linked text for more information)*
Summary of Contract
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1. Click the **"+"** to expand the list of insured individuals and review their details to ensure all travelers are correctly included in the policy.
2. Verify the benefits and coverages selected.
3. Enter any policy information related to applicable discounts.
4. Review the total policy premium.
5. Confirm that all travelers have valid Saskatchewan Healthcare Coverage by selecting **"Yes"**.
6. Tick the **checkbox** to confirm that you have reviewed the Flight Delay Service benefits with the customer.
Click **"Continue"** to proceed.
Confirmation of the Insured
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1. Complete the required **Home Address** and **Mailing Address** fields.
2. Enter the customer's email address. *(If the customer does not have an email address, you may use your advisor email. Note that if a medical questionnaire is required, the underwriting outcomes will be sent to the email address entered in this field.)*
3. Click the **radio button** to "**Confirm having obtained the customer's consent...**" if using your advisor or agency’s email address. Alternatively, select the **radio button** for **"I don't have to obtain this consent since the contract information will be sent directly to my customer."**
4. Click **"Continue"** to proceed to the payment screen, or select **"Save Quote"** to save the quotation for 30 days.
Payment
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1. Click [**"Refund policy"**](https://skbluecross.info-partners.ca/b2b/pdf/Refund-of-premium-sbc.pdf) to review the refund policy with the customer.
2. Travel Plan purchases must be completed using a credit card. Cash, debit, or cheque payments for travel policy sales should be deposited directly by your office, including any personal cheques from clients. Advisors or brokerages may use their corporate credit card to complete the Travel Policy application and process the premium payment.
