August 29, 2018 09:45
Desjardins Insurance adds cannabis to its coverage of complementary health care to the group insurance plans, according to a communication destined to its sales force and in which the Journal of insurance has received a copy.
The insured will be required to obtain a prescription of medical marijuana by a licensed health care professional and make the purchase from a licensed producer by Health Canada. Members and their dependents must be 21 years of age and older.
The option is available to tenants and regular classes that will be able to choose an annual maximum between 1500 $ and 6 000 $. The groups PerformPlus, however, are excluded from this service offering.
Diseases and symptoms covered
The coverage will include the expenses related to the treatment of disease and relief of several symptoms, the pain associated with advanced cancer, neuralgia refractory to nausea and vomiting caused by cancer chemotherapy and spasticity caused by multiple sclerosis or a spinal cord injury. Desjardins will apply a process of pre-authorization requests for coverage of this product in connection with these diseases and symptoms.
The insurer does not exclude the possibility to add diseases, and symptoms covered to its list in the future based on the research and clinical advances in the middle.
Spending account for health costs
Desjardins already offered the coverage for medicinal cannabis through the use of a spending account for health costs (CDFS) from 2016. According to the information included in the letter to advisers, the use of the CDFS to cover the medical marijuana will remain possible.
Desjardins follows in the footsteps of Manulife and Sun Life Financial who have added a little earlier this year, the coverage for medicinal cannabis to their group insurance plans.