4 Available Coverage

4.1 Supplementary Coverage

4.1.1 This coverage is intended for eligible participants who are covered under a provincial/territorial health insurance plan. In general, the PSHCP supplements the coverage provided under the provincial/territorial plan in the member's province/territory of residence. This coverage consists of the Extended Health Provision (80%) reimbursement except for:

Emergency Benefit While Travelling and the Emergency Travel Assistance Services which are reimbursed at 100%;
Catastrophic drug coverage which provides 100% reimbursement for eligible drug expenses in excess of $3,500 out-of-pocket cap;
Hospital Provision (100% reimbursement).

4.2 Comprehensive Coverage

4.2.1 This coverage is intended for members and their eligible dependants who are residing with the member outside Canada and who are not covered under a provincial/territorial health insurance plan or in a non-government hospital insurance plan. A person covered under Comprehensive coverage will continue to be covered under this benefit after their return to Canada until such time as they become eligible to be insured under a provincial/territorial health insurance plan. This coverage consists of the:

Extended Health Provision (80% reimbursement) except for:
1. Catastrophic drug coverage which provides 100% reimbursement for eligible drug expenses in excess of $3,500 out-of-pocket cap;
2. Hospital Provision (100% reimbursement);
3. Out-of-Province Benefit is not available under Comprehensive coverage.
Basic Health Care Provision (100% reimbursement);
Hospital Expense (Outside Canada) Provision (100% reimbursement). This provision does not apply to pensioners.

4.3 Eligibility for Provisions

Employees, Dependants of Members of the CAF and of the RCMP

Residency	Extended Health Provision and Hospital Level I	Hospital Provision Level II and III	Basic Health Care	Hospital Expense (Outside Canada)
In Canada and covered under a provincial/ territorial health insurance plan	✓	✓	No	No
Posted outside Canada	compulsory³	✓	compulsory	compulsory
On loan to serve with an international organization¹	✓³	✓	✓	✓
On educational LWOP⁴ outside Canada¹	✓³	✓	✓	✓
On LWOP⁴ and outside Canada	✓²	✓²	No	No

Pensioners

Residency	Extended Health Provision and Hospital Level I	Hospital Provision Level II and III	Basic Health Care	Hospital Expense (Outside Canada)
In Canada and covered under a provincial/ territorial health insurance plan	✓	✓	No	No
Residing outside Canada	✓³	✓	✓	No

✓ means eligible for coverage under this provision

¹ Departmental approval required.

² Provided that the member is insured under a provincial/territorial health insurance plan's "out-of-country" coverage.

³ Members with Comprehensive coverage and therefore without provincial/territorial health insurance, are not eligible for the out-of-province benefit.

⁴ LWOP means leave without pay.

National Joint Council