Insurance

Hey Google, I need travel insurance

I am a marketing director in the travel and health technology space. Earlier this month, I had the pleasure of speaking at the International Travel Insurance Conference in New Orleans. The topic involved different aspects of technology and how it can be employed by travel insurers and assistance companies. I shared the stage with Beth Godlin from Aon Affinity Travel Practice and Patrick Hrusa from Allianz Partners. My part focused on the modern distribution pipeline, including a distribution channel analysis: How are current innovations affecting our industry? How can we utilize technology to stay relevant? What digital marketing strategies can we adopt to manage our evolving channels? Have a look at our beautifully designed presentation on Slide Share (shout-out to Sylvie Gosselin, our senior graphic designer, and Justin Lee, our development team lead). Hey Google, I need travel insurance. Right now you can use your smart speaker, a Google Home or an Alexa…

Take That Cruise, and Insure Your Health

This year, more than 25 million people, including more than 750, 000 Canadians, will board cruise ships in ports around the world for what has become the fastest growing vacation option available to leisure travelers. According to Cruise Lines International Association (CLIA), which represents 95 percent of the world’s cruise companies, 13 new ocean liners and 13 river cruise vessels, accounting for over 30,000 additional passengers will be added to the world’s fleet in 2017 alone. And between now and 2026, 97 new ships (80 ocean liners and 17 river cruisers) with a total capacity of almost 231,000 will be added to this travel market sector. For Canadians, who have easy access to the world’s busiest cruise ports (such as: Miami, Fort Lauderdale, Los Angeles, Galveston, New Orleans, and Vancouver) there is a huge range of cruise options available, and thanks to online cruise booking services you can easily sign…

Buy Early and Stay Tuned

With more Canadians travelling for longer periods and to varied destinations (according to the Conference Board of Canada, 40 percent of Canadian outbound trips are to non-US locations) there is a greater need for travel planning well ahead of departure time. This includes travel insurance requirements to cover unexpected medical emergencies or other losses. Travel Insurance is a Two-Way Contract These arrangements should not be left to the last minute. And though buying travel insurance is easier than ever—over the phone, online, by iPad or smart phone—there is no substitute for talking directly to an agent who specializes in travel insurance, who can point out not only the benefits of any given plan, but the limitations, exclusions, and responsibilities the purchaser has in fulfilling what is a two- way contract. There are many purchasers of travel insurance who, after they complete their application and get the policy, put their…

Product Spotlight: HCC Student Secure

Ingle International has a special place in its heart for international students. Foreign exchange programs are the foundation that the Ingle name is built on! That is why our 19th travel insurance spotlight is shining on the HCC Student Secure plan. The HCC Student Secure plan covers international students and scholars worldwide, regardless of your home country or destination. As a plan purchaser, you can expect coverage for physician and hospital visits, up to 80% coverage for prescriptions, and $50 towards paramedical visits such as a chiropractor and physiotherapist. Key features include: Daily rates as low as $1.45 Ambulance by ground or air from $300, up to $50, 000 Up to 80% coverage for mental health disorders Coverage for acute onset of pre-existing conditions (speak with your student insurance representative or check policy documents for an understanding on waiting periods and limitations) Browse more features Are you or your…

Product Spotlight! The IMG Patriot Group Plan

Are you planning a resort wedding, or a family reunion far from home? The IMG Patriot Group Plan might be right for you. The IMG Patriot Group Plan is available to groups of 5 and up who are temporarily travelling outside of their home country. This plan sticks out from other group plans because travellers can come depart from different places and arrive different times, as long as their destination point is the same. It provides coverage for medical expenses, evacuation, and repatriation, as well as non-medical benefits including trip cancellation, baggage, and accidental death. This plan offers a wide range of options for the deductible and for the overall maximum amount of coverage, up to $2,000,000 (USD). Some other key features of the plan include: Pre-existing medical condition coverage (join your loved ones without hesitation) Basic sports coverage or optional rider available for adventure sports (it is time to…

What Type of Travel Insurance Do I Need?

You’ve heard it here before: travel insurance is not a one-size-fits-all sort of purchase. That’s why Ingle carries an extensive list of insurance products to cover all sorts of travelling scenarios. But if you’re not familiar with all the ins and outs of travel insurance, looking at the long list of available options out there can feel a little daunting—like having too many brands to choose from in the grocery store. So, what exactly are all these different plan categories? And which one is right for you? With a few quick questions, we can help you figure that out.   1. ARE YOU CANADIAN? Yes, I’m Canadian. For most travelling Canadians, however, Canadian Travellers Insurance offers extensive coverage for a wide range of scenarios. In addition to travel medical coverage for illness and injury abroad, there are also non-medical coverage options for things like cancelled and delayed transport, lost…

Buying Travel Insurance: Apply in Good Faith. But Verify. 

Time and again, travelers who have had their out-of-country health insurance claims denied complain that they applied for coverage “in good faith” and expected full and complete coverage after paying their premiums and heading out for a carefree vacation. If only it were that simple. First, let’s make it clear that according to most reliable surveys—the most recent being one by Canada’s provincial and territorial insurance regulators—the number of travel insurance claims denied is minuscule when compared to the millions of trips actually taken. But, statistics aside, if it’s your claim that’s denied leaving you with the burden of a large foreign hospital or medical bill, it doesn’t matter how many millions of others have been approved and paid. It hurts. So what must you do to shield yourself from the possibility of having your claim for an out-of-country medical claim denied? Read all That? Get Real. We could…

4 Reasons Your Insurance Claim Might Be Denied

When you buy travel insurance, the hope is that you are purchasing some peace of mind for your trip. However, every once in a while, a high-profile case hits the news about a claim that was denied, leaving the claimants with huge medical bills. This understandably has some travellers concerned about how much they can actually rely on their insurance policy. The good news is: as long as you fully understand the workings of your insurance policy, there’s no need to fear an unexpected surprise from your insurer. To help you gain that confidence, let us explain the four main reasons why someone’s insurance claim might be denied. Why could my claim be denied?  1. Because your claim was related to a pre-existing condition. This is a term one hears often when it comes to travel medical insurance, and there can be some confusion around what it really means.…

Will US Health Insurance Cost Crisis Affect Canadian Visitors?

As of November 1, 2016, the US media will be inundated with horror stories about historically high spikes in the cost of health insurance for millions of middle class Americans forced to buy their coverage from  marketplace exchanges. The stories will be generated because November 1, 2016 is the opening date for the 2017 healthcare insurance enrolment period, and the prospect of double digit increases in premiums and deductibles (those are the fees patients must pay before their coverage benefits kick in) may force families to cut back on routine services and reroute them from their family physicians to hospital emergency rooms for urgent care. If you’re visiting the US during the forthcoming snowbird season and you need urgent or emergent services, the health cost spike should make little immediate difference, so long as you are properly covered by private travel health insurance. Your basic provincial health insurance will not…

Product Spotlight! RSA Medi-Select Advantage for Ages 55+

Canadian snowbirds know that it’s important to have comprehensive travel insurance in place for peace of mind during their year-round adventures. If you’re a travelling Canadian who’s age 55 or over, we have good news: the RSA Medi-Select Advantage plan is boasting some exciting new features to make your travels more stress-free than ever. Here are just a few of the key benefits this plan has to offer: Newly simplified medical questionnaire: Fewer questions and more straightforward wording means it’s easier than ever to make sure your coverage matches your needs. Pet return benefit: Travelling with your furry companion? Then we know the last thing you want to do is leave them behind! If you are hospitalized during your travels or need to be transported home due to sickness or injury, this benefit will pay for your cat or dog to be homeward bound. Coverage for pre-existing conditions: Travelling with…

How to “Vet” Your Travel Insurance Policy

Critics of travel insurance often argue that claim denials are too frequent, unfair to the customer, and might be avoided if issuers vetted policy applications at the time of distribution instead of when a claim is made. The rationale for that argument is that applicants could then be certain that their policy would pay off in case of medical emergency abroad. Sounds reasonable, as a principle—except that it’s impractical given the millions of policies issued to Canadian travelers each year. At present, most policies are issued on the understanding that customers provide complete and accurate information about their medical histories when applying for insurance. Some are asked a few questions about recent treatment interventions, medication use, or hospitalizations; others, usually elderly travelers, are required to complete detailed medical questionnaires designed to give underwriters a more precise assessment of their health status. And there are other policies—usually attached to credit cards—that…

Product Spotlight! Sporting Coverage with TuGo

Are you travelling abroad for a sporting adventure? You will need to make sure you have travel insurance to match—as your average plan often does not include coverage for injuries sustained while taking part in sports. Luckily, we have TuGo’s Traveller Emergency Medical plan on hand, which automatically includes coverage for most amateur and professional sports. Here’s a quick rundown of some of the plan’s highlights: In addition to coverage for amateur sports, for those who like push the envelope, you have the choice of add-ons for contact sports, adventure sports, and extreme sports. In other words, you can tailor the plan to fit just the types of adventures you like to have. The plan includes emergency transport: either air ambulance or economy airfare back to your home province or territory. Some common sports injuries (like a broken leg) can make travelling difficult, and an air ambulance back to your home…

How to Buy Travel Insurance Safely – Part II

Canada’s travel insurance market is rich in choice, even if you’re not quite as healthy as an Olympic athlete. But before you get to the nitty-gritty of comparing products and prices, you should sort out your basic needs according to your general health, age, duration, frequency and purpose of travel. Let’s narrow down the choices to make them more specific to your individual needs. No frills, No Pre-existing Coverage Required If you’re perfectly healthy, take no medications, have no medical history, see your doctor only once a year for an annual checkup, and are not under orders to have tests taken or to see a specialist, consider a basic plan that does not cover pre-existing conditions nor asks you to complete a medical questionnaire. It is the cheapest, and the least complicated to buy: so long as your medical history is as impeccable as you think.  But don’t delude…

How to Buy Travel Insurance Safely – Part I

If you’ve started thinking about your winter travel plans, as many Canadians normally do with the approach of Thanksgiving Day, keep travel insurance at the top of your to-do list. It’s too important to leave to the last minute. Though recent surveys by insurance regulators and travel industry groups have shown that claim denials are rare, it happen to you, and the repercussions can be disastrous to your finances and your wellbeing.  Travel insurance products are plentiful and increasingly easy to buy, but you need to be cautious and inquisitive when discussing your travel insurance needs with your agent or the person selling you coverage. Know Your Insurer Deal with a known, reliable company that knows or specializes in travel insurance and can offer you a variety of plans suited to your specific health status, age, travel destination, duration of travel, and capacity for risk. Think of this transaction as…

Product Spotlight! Canadian Student Travel Insurance Plan

Ingle International Inc. is proud to spotlight the Canadian Student Travel Insurance Plan. The Canadian Student Travel Insurance Plan is an exclusive outbound travel insurance product that looks after Canadian students and chaperones from the majority of school boards across Alberta. Students and chaperones housed under the school boards that make up the group, can expect all-inclusive coverage backed by 24/7 emergency medical and security assistance. This applies to all valid school trips, with no limits to the number of trips, or trip duration. In parallel to students returning to school, the release of this plan is supported by a custom travel insurance microsite created by Ingle International which provides policy information, access to medical facilities within a student’s radius, and consumer friendly content. Three key features of the Canadian Student Travel Insurance Plan include: Trip Cancellation and Interruption: protection for pre-paid, non-refundable trip costs prior to departure and coverage…

Product Spotlight! Canuck Voyage

Canuck Voyage is an outbound travel medical insurance plan designed to serve Canadians travelling abroad or outside of their home province within Canada. Canadians, or those with provincial or territorial health coverage, can expect coverage for single trips up to 365 days or multi-trip annual plans up to 100 days per trip. The plan boasts inclusive eligibility criteria, ample options for trip duration and age, as well as competitive pre-existing medical condition coverage that bridge the gap between conventional travel medical policies and snowbird plans. Consumer-friendly or what? Top features of Canuck Voyage include: Inclusivity: Applicants of all ages are eligible for companion discounts when purchasing coverage for two people at a time and a family discount is available for spouses up to age 59 and children age 21 and younger. Pre-existing medical condition coverage: automatic coverage, even for applicants age 60+, provided their medical conditions meet the stability period…

Protect Your Visitors to Canada—Travel Insurance Is Necessary

Expecting overseas visitors this summer? Perhaps family members you rarely see—or have never seen? Enjoy their visit, but make sure they don’t become an unwitting burden by getting sick at the wrong time, stepping off a curb into the path of a car “going the wrong way,” or falling off a bike on a mountain cycling path and requiring emergency transportation or hospital care. They may not know it, but hospital care anywhere in Canada is very expensive. And unless they have travel insurance specifically designed for medical emergencies, they will have to pay cash on the barrelhead. And if you have been generous enough to let them come over on your tab, or in a moment of reckless compassion, and you offer to co-sign their medical or hospital debt, then be prepared to pay up. Your uncle or aunt from Romania or Vietnam may be grateful for your largesse,…

Travel Insurance for HIV Applicants Becomes More Accessible

For people diagnosed with HIV/AIDS, travel health insurance has usually been difficult, if not impossible, to obtain. Insurers’ eligibility requirements disqualified them even before they completed a medical application. Applicants were lumped into the same category as people with terminal illnesses or metastasized cancer or under physicians’ orders not to travel. However, given the miraculous advances in the management of HIV since the worldwide AIDS epidemic that erupted in the early 1980s, the total ban on persons infected with the human immunodeficiency virus that has not progressed to AIDS has been clinically unwarranted. HIV, as has always been the case, is not as contagious as is Ebola, SARS, certain stages of pneumonia, or the common cold. HIV is transmitted through sexual contact or contaminated blood passed on via needles or illicit drug paraphernalia. It is not transmitted by coughs, sneezes, handshakes, toilet seats, or unsanitized drinking glasses. Consequently, its total…

Product Spotlight! IMG Global Medical Insurance

Who wouldn’t like to travel or live abroad for an extended period of time? Imagine the beautiful views, unique landmarks, and adventures around every corner. But don’t let the unexpected interrupt your travel dreams… IMG Global Medical Insurance is a powerhouse. It’s an annually renewable policy that provides worldwide coverage, regardless of citizenship, and is meant for employees working abroad, seniors with dual residencies, as well as individuals and families. The plan boasts five levels of coverage along with various wellness benefits and manages rising health care expenses—all at a reasonable cost to the consumer. It makes for a great long-term option for savvy international travellers shopping the market. Key benefits of the IMG Global Medical plan include the following: Lifetime maximum limit up to USD $8,000,000 Ability to choose your level of coverage, worldwide Deductible options to assist with financial situations A variety of wellness benefits, including regular check-ups,…

Product Spotlight! Manulife Global All Inclusive Plan

Drum roll please . . . April’s Product Spotlight is pleased to showcase the Rolls Royce of insurance policies: the Manulife Global All Inclusive plan. This plan provides Canadian individuals and families with complete travel coverage, including benefits for emergency medical expenses, trip cancellation, trip interruption, baggage (loss, damage, or delay), and accidental death and dismemberment. Key features include: Trip cancellation up to $20,000 (this includes a cancel-for-any-reason benefit, for example, the hospitalization of a loved one. Be sure to check your policy wording for limitations) A voucher (receive up to $750 dollars towards your next vacation for a cancelled or interrupted trip) Unlimited trip interruption coverage (get a reimbursement for the scuba diving excursion you missed out on. Again, check your policy wording for limitations) No medical questionnaire Trip duration of 183 days for travellers under age 60 and up to 60 days for travellers aged 60–74 All the…

What Happened to the 240-day Visa?

Over the past five years, much has been made of the so-called 240-day visa that, purportedly, would allow retired Canadians (50 or older) with the means to rent or buy residences in the U.S. to live south of the border for up to 240 days per year. Currently, U.S. immigration law allows Canadians a total of up to six months (182 days) per any 12-month period for leisure/tourism. The expanded “allowance” is tied to a piece of legislation known as the JOLT Act (Jobs Originating through Launching Travel Act), a measure that has already been passed by the Senate but still needs to be acted on by the House of Representatives. Although the bill has almost 150 sponsors in the House, it remains mired somewhere in legislative purgatory, unable to even get into committee stage, let alone to the House floor. And until the JOLT Act is passed by both…

Heading to Cuba? Don’t Forget Your Proof of Health Insurance

TORONTO, March 22, 2016 /CNW/ – Cuba-bound Canadian tourists are urged to update their travel insurance documents and, if necessary, re-evaluate their coverage in anticipation of a huge influx of American visitors burdening the Caribbean nation’s emergency health care infrastructure this coming fall and winter season. With the signing of an agreement granting scheduled commercial U.S. airlines up to 110 flights to Havana and nine other outlying airports each day, Canadians and other nationals can expect more competition and higher prices for all of Cuba’s goods and services—including care in local hospitals and clinics. The Cuban Tourist Board (CTB) in Toronto has re-affirmed to Ingle International that all visitors to Cuba must carry proof of health insurance that will cover them while in Cuba. This requirement will apply to Americans as it has to Canadians and other nationals since 2010, when the measure was first passed.  Should visitors lack such proof,…

The Risks of Travel

An interview with Alan Bell, President of Globe Risk International, about the risks of travel, the dangers travellers can potentially face, and the services available to protect travellers in risk areas. Planning a trip? Check out your travel insurance options.

Save on Family Plans for Summer Travel Insurance

It’s never too early to save money.  And booking travel insurance that will cover the entire family during your summer vacation is a good way to do it. Don’t overlook this option when comparing plans.  The savings can be substantial. But make sure you know what you’re buying. Ask questions.  And for a special purchase like this, deal with a broker that specializes in travel insurance.  A lot of agents sell travel-related products but not all are experts in travel coverage. Some family plan premiums are pegged to the age of the oldest traveller: multiply by two, and that covers your children as well. Other plans will  provide a separate rate table for families, so make sure you ask to see one and compare that to paying individual rates for each traveller—you’ll see quite a difference. Also make sure that all the children you want covered are named on the…

Product Spotlight! Ingle Discover Canada Plan

(Hey, pssst, Get a quote!) February’s product spotlight is brought to you by the Ingle Discover Canada plan, otherwise known as Ingle Discover Canada: Super Visa and Visitors To Canada Travel Insurance Are you a visitor partaking in a lengthy visit to Canada, do you not have GHIP, are a travelling youth, a new immigrant or a returning Canadian? If you said yes to one of the aforementioned question categories – where travel and health insurance is mandatory – then the Discover Canada plan is right for you. The Discover Canada plan also opens the doors to older age groups by offering more options to those with stable pre-existing medical conditions, without the need to complete a medical questionnaire. Visitors can enjoy more coverage options at no extra cost; including but not limited to Physical exams, Eye exams, Vaccines, Maternity, and Psychological care “Health care in Canada is expensive,” says Robin Ingle, Chairman of travel and health insurance group Ingle International.…

Introducing: Allianz Global Assistance

In January 2015, Travel Insurance Coordinators (TIC) and Allianz announced they were merging into one of the world’s largest providers of travel insurance and assistance. The union, which was formalized on November 16, 2015, boasted a rebrand: Allianz Global Assistance. According to Canadian CEO Daniel Wichels, the positive impacts of the unification will be felt across the board. Partners, their customers, and future business will fully benefit from this complementary growth landmark. In the CNW press release on the merger, Wichels also noted that “this combined entity will leverage the strengths of two of Canada’s leading travel insurance companies to enhance their product and service offerings.” The history of Allianz Allianz stands tall on the backbone of 125 years of industry experience, and its presence is felt across the world in many different spheres. It has financial institutions based in Europe and Asia and provides sponsorship opportunities across Europe, South…

5 Reasons Canadians Should Buy Canadian Travel Insurance

Canadians are becoming all too familiar with horror stories about travel insurance. The problem is our news sources don’t always tell us the whole story. Yes, there are instances when a claim is denied—but it’s not because travel insurance companies are heartless. More often than not, claims are denied due to an error in the application form or because the wrong insurance was purchased all together. The message the media should be conveying is the importance of buying the right travel insurance by doing your research, going with an insurance provider you know and trust, and providing honest, accurate information throughout the application process. Unfortunately, this isn’t the case. Canadians need to understand that, for the most part, they should only be considering travel insurance plans offered by Canadian insurers. It doesn’t matter if your American cruise operator or European tour company offers travel insurance as part of the package.…

Summer is Here. Start Thinking: “Snow”

As loony as it sounds (pardon the pun), what better time to start planning your winter getaway than… right now? As experienced snowbirds know: There is no better time than right now. From now through Labour Day, travel insurers will be offering a broad menu of so-called Early Bird specials in advance of what might be significant premium increases. Take advantage. I say “might” because nothing is certain about the direction of our national economies, currency fluctuations, weather patterns, wars or threats of wars, your own health, or where and when the next volcano may erupt. There is no sure thing—except one: If you have the misfortune of falling and breaking a hip, suffering a heart attack or stroke, being tortured by a kidney stone—and you need emergency hospital care—it’s going to cost you or your insurer, big time, especially if it happens in the US. For travel insurers, who…

An Agent’s Guide to Selling Insurance for Province to Province Travel

When Amy Savill, a 7-months pregnant Alberta resident, went into labour while on a trip to Northern Ontario, her story sent waves through the nation. Many Canadians were shocked to hear that not all emergency medical services, like air and ground ambulance, are covered through their provincial Government Health Insurance Plan (GHIP). Savill was rushed to the nearest hospital after her water broke, only to discover it wasn’t equipped to deliver premature babies under 32 weeks. The only option was to air lift her to Sudbury, the closest city centre. But after the birth of her little girl, Savill received an air ambulance bill for thousands of dollars. Alberta does not cover emergency transportation for residents travelling outside of the province, and neither did Savill’s supplementary employment insurance plan. Is there a solution? Yes! Travel insurance plans can cover these additional services for as low as 0.42 cents a day,…

Canadians Need Travel Insurance for Trips Within Canada  

Most Canadians take at least one trip a year to another Canadian province to visit friends, family, or on business. Over and over again, we see the common misconception that Canadians are covered for all medical expenses while travelling within Canada. However, the fact remains that Canadians travelling out of their province of residence are not necessarily 100% covered by their provincial Government Health Insurance Plan (GHIP). Travellers that are travelling outside of their country are better understanding the high costs of international health care, but confusion remains for Canadians travelling from province to province. Consider Amy Savill, an Alberta resident, who learned the hard way. This month, the 7-months pregnant Albertan was visiting family in Northern Ontario when her water broke. She was rushed to the nearest hospital, which, due to limited local resources, was unable to deliver a baby under 32 weeks. The only option was to airlift…

Insured for Storm Season? Check Your Policy

Hurricane season is here again. And for the next four months we won’t start the day without checking the forecast. Fortunately, those forecasts usually give us some warning. We can prepare, get out of the storm’s likely path, stock up on water, canned chili, and beer—all depending on our tolerance for risk. And so far, the hurricane experts are predicting a slower than normal storm season, thanks to the positioning of El Niño—which is busy stirring up the Pacific. But the experts know—better than the rest of us—that even a marginal Category 1 storm can ruin lots of lives, homes, and communities. No one who has lived through even “minor” hurricanes wants to try another. If you’re planning a summer trip anywhere to the east and southeast US, the Gulf of Mexico coast, the Atlantic shore, or especially the Caribbean, take notice now. If you’re planning a couple of weeks…

An Agent’s Guide to Ingle International’s New Product—Discover Canada: A Super Visa and Visitors to Canada Plan

Ingle International is excited to share with you the launch of our new visitors to Canada plan, Discover Canada: Super Visa and Visitors to Canada Travel Insurance. Ingle developed this new plan to meet the needs of all visitors to Canada, including anyone in Canada without government health insurance— Super Visa applicants, travelling youth, new immigrants, and returning Canadians. Discover Canada fills market gaps for visitor to Canada plans and offers comprehensive assistance, medical services, and care with a wide range of coverage options, up to $1 million. This serves the needs of visitors spending extended time in Canada. With over 17 million visitors to Canada each year, Discover Canada opens the doors for enhancing your business and services by offering visitors to Canada clients more options at no extra cost: Physical exams Eye exams Vaccines Maternity Psychological care These benefits will allow you to present your clients with a…

Ingle International Launches New Insurance Product to Protect the Health of Millions of Visitors to Canada

Toronto, Canada – Ingle International, a travel health company providing customized insurance solutions, launches Discover Canada: Super Visa and Visitors to Canada Travel Insurance, a new travel plan that is available to the over 17 million visitors to Canada each year. Ingle International has identified a gap in the travel insurance market that leaves visitors to Canada and Super Visa applicants vulnerable to the high costs of health care in Canada. “Health care in Canada is expensive,” says Robin Ingle, Chairman of travel and health insurance group the Ingle Group of Companies. “There are common misconceptions about the Canadian health care system and what it will and won’t cover—a non-resident visitor can expect to pay up to $5,000 per day in a hospital and up to three times that for the intensive care unit,” explains Ingle. Ingle’s new plan, Discover Canada, fills the market gap for a travel plan that…