Most benefits for extra services, like your major dental, chiropractic and optical have Annual Maximums, which are renewed each calendar year.

To provide extra protection to our members we have developed our Rollover Benefit to give you greater assurance if something were to happen.

The Emergency Services Health Rollover Benefit allows members to carry over any unused Annual Maximum benefit that is not claimed during the previous calendar year into the following year. The Rollover Benefit covers most extras services, such as major dental and physiotherapy, and gives members more flexibility in using their limits.

Claims are always paid from the current year’s Annual Maximum before your Rollover Benefit is accessed.

New members are eligible for Rollover Benefit after just 12 months (2 years for major dental). The combined Rollover Benefit and the Annual Maximum are shown as the “Rollover Maximum”.

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