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Q. |
Can
Norfolk insure a Canadian who has become a non-resident
for tax purposes? |
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A. |
Yes, and groups that
prefer to place their insurance offshore (to protect
non-residency status) can do so through our offshore
trust. |
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Q. |
Can
Norfolk insure the spouse of an expatriate who resides
in a third country? |
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A. |
Yes, and their children
can be insured wherever they attend school, even
in fourth or fifth countries. |
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Q. |
Can
Norfolk insure foreign workers temporarily employed
in Canada or the United States? |
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A. |
Yes. Comprehensive packages
are available. |
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Q. |
How
does Norfolk handle the different currencies that
may be owed to different international insurance
companies? |
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A. |
Norfolk can bill its
clients in one currency covering all policies, and
then convert this deposit into the two or more currencies
required by the insurers. This includes domestic
(Canadian-based) employee benefits as well as expatriate
and rotational staff benefits. |
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Q. |
Is
it normal to insure persons from different countries
for different amounts or different benefits? |
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A. |
Yes, not everyone is
used to the same high level of coverage as Canadians.
However, to avoid employee relations problems, it
is advisable to offer the same plan wherever employees
will be in the same work place overseas. Ask our
consultants for direction. |
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Q. |
Can
persons become insured even after they have left
Canada (or other country of origin)? |
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A. |
Yes. Underwriting requirements
may be more extensive after departure. |
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|
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Q. |
Can
benefits be purchased individually (i.e., Medical,
Life, etc.)? |
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A. |
Yes, all benefits can
be purchased on an individual basis with no impact
on rates. |
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|
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Q. |
Can
Norfolk combine domestic and international benefits
into a single plan? |
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A. |
Yes. In
fact this is often the simplest approach in terms
of administration and the least expensive. A single
plan also diminishes the chances of coverage gaps
for personnel transferring from one employment class
to another or who are in jeopardy of losing provincial
health care and workers' compensation. |
