desjardins world elite assurance voyage covid

​Individuals

• Group insurance  through your employer or an association through your employer or an association
• Group retirement savings  (RRSP, DCPP, DPSP, etc.) through your employer or an association (RRSP, DCPP, DPSP, etc.) through your employer or an association
• Individual insurance  purchased online, by phone or in person purchased online, by phone or in person

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• Group retirement savings
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COVID-19 – Relief measures and operational changes

​we're committed to supporting you.

The situation we're experiencing may be unprecedented, but one thing hasn't changed: We're here for you and always will be. Our teams are putting their all into helping you manage your plan with ease while helping plan members stay healthy and well.

Support measures for plan sponsors

PerformPlus groups (generally under 50 lives)

• Renewals coming up on May 1 will be deferred to July 1
• Renewals coming up on June 1 will be deferred to August 1
• Renewals coming up on July 1 will be deferred to September 1

Non-refund groups under 500 lives

We’ll review deferral requests on a case-by-case basis.

Premium payments

PerformPlus (generally under 50 lives)

We’ve extended the contractual premium grace period by 30 days. This will measure be in place until June 2020.

Non-refund groups under 500 lives

We will review these on a case-by-case basis.

Dental premium credits

Although dental clinics are reopening across the country, we expect the volume of claims will remain lower than usual. Also, we know that the overall financial impact of the pandemic is still a concern for many of you. Therefore, we’re extending the credit for one more month to help you through this challenging time.

The billing will work the same way it did for April and May. If you are a non-refund client, you will receive a 70% dental premium credit for the month of June:

• If you receive a monthly bill from us, we’ll automatically apply the June credit to your July bill. You don’t have to do anything.
• If you produce your own monthly bills, please submit the reduced amounts on your billing statements, applying the June credit to your July statement.

Maintaining benefits during temporary layoffs and unpaid leaves of absence

Whether or not you have a temporary layoff or unpaid leave of absence contractual clause, we're offering you the following options:

• Maintain all benefits, including Disability benefits
• Maintain all benefits, except Disability benefits
• Terminate all benefits

Your decision will be applicable to the entire contract until August 31, 2020. As per our usual process, the disability elimination period will begin on the plan member's scheduled return-to-work date.

Please note that, due to RAMQ requirements in Quebec, Extended Health Care must be maintained if any benefit except Life is extended.

Operational changes

Printing of insurance certificates temporarily suspended.

Due to government recommendations urging Canadians to practice social distancing, we've had to adapt some of our activities to protect the health of our employees and their families.

Printing and mailing of insurance certificates

We have temporarily stopped printing and sending out insurance certificates, and deactivated the functionality allowing you to order insurance certificates via your secure site.

Online services

Please encourage plan members to register for our online services or download the Omni mobile app and give them their contract and certificate numbers so they can do so. This way they’ll continue to have access to the information found on their insurance certificates.

Support measures for plan members

We've also introduced new services and support measures for plan members to ensure they can continue to access health professionals and be reimbursed for the care they receive.

Coronavirus (COVID-19) communications

• December 17 – Free psychological consultation service extended (PDF, 414 KB)  This link opens in a new window.
• October 19 – Waiting period reinstated for leaves due to COVID-19 (PDF, 293 KB)  This link opens in a new window.
• July 3 – Reimbursement of dental fees for COVID-19 protection measures (PDF, 122 KB)  This link opens in a new window.
• June 9 – Extension of dental premium credits (PDF, 202 KB)  This link opens in a new window.
• April 20 – Dental premium credits (PDF, 119 KB)  This link opens in a new window.
• April 7 – Supporting you is our priority (PDF, 148 KB)  This link opens in a new window.
• April 6 – New relief measures for plan sponsors (PDF, 89 KB)  This link opens in a new window.
• March 26 – Relief measures for plan sponsors (PDF, 146 KB)  This link opens in a new window.
• March 25 – Printing of insurance certificates temporarily suspended (PDF, 164 KB)  This link opens in a new window.

We’re here for you

We know this is a difficult situation. Please rest assured that we're doing everything we can to support you and limit inconveniences during this crisis. We appreciate your patience and understanding.

Basic and optional life insurance

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Are there any restrictions in the event of death?

There are no restrictions related to the coronavirus.

Can we convert a life insurance amount if salary or hours worked are reduced?

Yes. The usual conversion procedure applies. Therefore, it's possible to convert the amount of life insurance that the insured was entitled to under the group insurance policy into an individual insurance policy.

Will the 31-day conversion deadline be changed during the COVID-19 crisis?

No, the deadline remains the same.

Accidental death and dismemberment insurance

The coronavirus isn't an accident as defined by the policy. This coverage will not pay any benefit for deaths caused by the coronavirus.

Critical illness insurance

Is covid-19 covered, drug insurance, can people get their prescriptions refilled without waiting for them to be renewed so they don't run out of medication.

If the pharmacist believes that the insured's situation ( 14-day quarantine with only 12 days of medication left, rural area with no home delivery, etc.) justifies an early refill, they can do so as long as they document the reasons in the patient's file and use the appropriate code to override this rule. The claim will then be processed in accordance with the plan specifications. The pharmacist is responsible for prescription drug supply and knows what quantities are required to meet their patients' needs.

Can I ask my pharmacist for an extra supply of drugs so I don't have to keep going back to the pharmacy?

No, we do not recommend stockpiling prescription drugs. Unnecessary stockpiling can create artificial shortages and endanger the health of other patients. The pharmacist can see the big picture, which will help them make the best decision. In addition, most pharmacies have a delivery service. If an insured has to stay at home, their drugs can be delivered to them without their having to leave home.

Why do pharmacists prefer to prescribe 30-day supplies for certain drugs, even when the 30-day restriction has been lifted?

Since Monday, June 15, pharmacists have been able to prescribe drugs the same way they used to before the COVID-19 pandemic, that is, according to the patient’s needs and available supplies. However, many drugs for treating chronic illnesses are still in short supply and the ongoing situation means we still have to be careful, particularly in preparation for a possible second wave of COVID-19 .

What should insureds do if prior authorization for their drug will expire while their doctor is unavailable or if some tests related to their claim can’t be done?

Our insureds’ health, safety and well-being are priorities for us. If they are having trouble getting the required form filled out by their treating physician, they can call us at 1-844-410-6485  This link opens your default phone software. .

Dental insurance

If a dentist charges fees for personal protection equipment (ppe) related to covid-19, are the fees covered under my group insurance plan.

We added this coverage to your plan by default on July 15, 2020 (unless you told us you wanted to opt out of the coverage). It will remain in effect as long PPE charges are included in the provincial dental fee guides. You can still opt out of the coverage—just tell your Desjardins Insurance representative that you do not want it included your plan. However, if you opt out after July 15, some claims may already have been reimbursed.

Only fees charged specifically for personal protection equipment worn by dental care workers will be covered (e.g., masks, face shields, glasses, protective clothing, etc.). Any dental claims submitted after June 1 that included PPE fees and were refused, will be reassessed automatically. PPE charges will only be reimbursable once the province has established set fees for them. We will then reimburse PPE charges based on the dental fee guide applicable to your contract and on the terms outlined in the “Basic Services” sections of your contract and the employee booklet. Any necessary rate adjustments will be made at your next renewal date.

See all questions

​Individuals

• Group insurance  through your employer or an association through your employer or an association
• Group retirement savings  (RRSP, DCPP, DPSP, etc.) through your employer or an association (RRSP, DCPP, DPSP, etc.) through your employer or an association
• Individual insurance  purchased online, by phone or in person purchased online, by phone or in person

Go to your section to log on

Representatives

• Group insurance
• Group retirement savings
• Secure information exchange
• Webi - Independent representatives
• Secure information exchange ​

Quick Links

Preferences.

• Qc Ab Bc Pe Mb Nb Ns Nu On Sk Nl Nt Yt
• Individual insurance
• Travel insurance

Costs and eligibility

We calculate your premium based on the:

• Age of each insured on the departure date
• Duration of your trip
• Types of coverage
• Amount of coverage
• Health of each insured that belongs to certain age groups
• Deductible selected, if applicable

Eligibility

To be eligible for insurance, you must:

• Be a Canadian resident
• Be at least 15 days old
• Start and end your trip in your home province
• Enrol before your departure date for the entire expected duration of your trip
• Be covered by your provincial healthcare and hospitalization insurance plans for the whole time you're away

Get a quote

1-877-938-8940  This link will launch your default phone software.

Client services

In case of emergency

• Travel Assistance Service
• Submit a claim online  Opens in a new window.
• Make changes to your contract
• Update your address

Useful links

• Enjoy a stress-free trip
• Travel checklist
• What does your Trip Cancellation Insurance cover?
• Will I have to pay the hospital bill if I'm hospitalized while I'm away?
• Does my provincial health insurance plan provide sufficient coverage everywhere in the world?
• See all questions

​​ Suggested links

If you bought your insurance online, refer to the following documents:

• Travel Insurance Policy (PDF, 403 KB)  Opens in a new window.
• Multi-Trip Annual Insurance Policy (PDF, 418 KB)  Opens in a new window.

For The Personal:

• Travel Insurance Policy (PDF, 374 KB)  Opens in a new window.
• Multi-Trip Annual Insurance Policy (PDF, 382 KB)  Opens in a new window.

If you bought your insurance over the phone, refer to the following documents:

• Travel Insurance documents (PDF, 667 KB)  Opens in a new window.
• Multi-Trip Annual Insurance documents (PDF, 680 KB)  Opens in a new window.
• Travel Insurance documents (PDF, 611 KB)  Opens in a new window.
• Multi-Trip Annual Insurance documents (PDF, 619 KB)  Opens in a new window.
• Desjardins Odyssey Gold Visa, Travel Gold and Odyssey World Elite Mastercard Travel Insurance Policy (PDF, 320 KB)  Opens in a new window.
• Desjardins Odyssey Visa Infinite Privileve Travel Insurance Policy (PDF, 255 KB)  Opens in a new window.
• Desjardins Prestige Platinum Visa Travel Insurance Policy (PDF, 469 KB)  Opens in a new window.
• Desjardins Platinum Visa Travel Insurance Policy (PDF, 383 KB)  Opens in a new window.

Study record managers: refer to the Data Element Definitions if submitting registration or results information.

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• Study Record Detail

Double-blind, Placebo-controlled, Randomized Study of the Tolerability, Safety and Immunogenicity of an Inactivated Whole Virion Concentrated Purified Vaccine (CoviVac) Against Covid-19 of Children at the Age of 12-17 Years Inclusive"

• Study Details
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• No Results Posted

Recruitment of volunteers will be competitive. A maximum of 450 children aged 12 to 17 years inclusive will be screened in the study, of which it is planned to include and randomize 300 children who meet the criteria for inclusion in the study and do not have non-inclusion criteria, data on which will be used for subsequent safety and immunogenicity analysis.

Group 1 - 150 volunteers who will be vaccinated with the Nobivac vaccine twice with an interval of 21 days intramuscularly.

Group 2 - 150 volunteers who will receive a placebo twice with an interval of 21 days intramuscularly.

In case of withdrawal of volunteers from the study, their replacement is not provided.

Inclusion Criteria:

• Volunteers must meet the following inclusion criteria:

Type of participants • Healthy volunteers.

Age at the time of signing the Informed Consent

• from 12 to 17 years inclusive (12 years 0 months 0 days - 17 years 11 months 30 days).

Paul • Male or female.

Reproductive characteristics

• For girls with a history of mensis - a negative pregnancy test and consent to adhere to adequate methods of contraception (use of contraceptives within a month after the second vaccination). Girls should use methods of contraception with a reliability of more than 90% (cervical caps with spermicide, diaphragms with spermicide, condoms, intrauterine spirals).
• For young men capable of conception - consent to adhere to adequate methods of contraception (use of contraceptives within a month after the second vaccination). Young men and their sexual partners should use methods of contraception with a reliability of more than 90% (cervical caps with spermicide, diaphragms with spermicide, condoms, intrauterine spirals).

Research procedures

• Written Informed consent of a volunteer (14 years and older) and one of the parents to participate in a clinical trial.
• Volunteers who are able to fulfill Protocol requirements (i.e. answer phone calls, fill out a Self-observation Diary, come to control visits).

Non-inclusion criteria:

• Volunteers cannot be included in the study if any of the following criteria are present:

SARS-CoV-2 infection

• A case of established COVID-19 disease confirmed by PCR and/or ELISA in the last 6 months.
• History of contacts with confirmed or suspected cases of SARS-CoV-2 infection within 14 days prior to vaccination.
• Positive IgM or IgG to SARS-CoV-2 detected on Screening.
• Positive PCR test for SARS-CoV-2 at Screening / before vaccination.

Diseases or medical conditions

• Serious post-vaccination reaction (temperature above 40 C, hyperemia or edema more than 8 cm in diameter) or complication (collapse or shock-like condition that developed within 48 hours after vaccination; convulsions, accompanied or not accompanied by a feverish state) to any previous vaccination.
• Burdened allergic history (anaphylactic shock, Quincke's edema, polymorphic exudative eczema, serum sickness in the anamnesis, hypersensitivity or allergic reactions to the introduction of any vaccines in the anamnesis, known allergic reactions to vaccine components, etc.).
• Guillain-Barre syndrome (acute polyradiculitis) in the anamnesis.
• The axillary temperature at the time of vaccination is more than 37.0 ° C.
• Positive blood test for HIV, syphilis, hepatitis B/C.
• Acute infectious diseases (recovery earl

Exclusion Criteria:

- • Withdrawal of Informed consent by a volunteer and/or a parent of a volunteer;

• The volunteer was included in violation of the inclusion/non-inclusion criteria of the Protocol;
• Availability of inclusion/non-inclusion criteria before vaccination;
• Any condition of a volunteer that requires, in the reasoned opinion of a medical researcher, the withdrawal of a volunteer from the study;
• The established fact of pregnancy before the second vaccination;
• Taking unauthorized medications (see section 6.2);
• The volunteer's incompetence with the study procedures;
• The volunteer refuses to cooperate or is undisciplined (for example, failure to attend a scheduled visit without warning the researcher and/or loss of communication with the volunteer), or dropped out of observation;
• For administrative reasons (termination of the study by the Sponsor or regulatory authorities), as well as in case of gross violations of the protocol that may affect the results of the study.
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