Although seCUREme is in its infancy, its parent company is Health Risk Services Inc. which was established January 2000.
Since 2000, Health Risk Services Inc. has been providing innovative Employee Benefit Plans, Third Party Administration for Self-Insured Employee Benefit Plans and Insurance Brokerage Services to clients across Canada. The Owner of both seCUREme and Health Risk Services Inc. Luene La Fountaine – RHU, is an entrepreneur at heart with everything she does being driven by a dynamic combination of conviction and passion. Conviction that clients deserve more than the one-size-fits-all products and services offered by conventional insurance providers. And passion for turning challenges into opportunities and sharing her vast knowledge and expertise so that clients and Brokers can make the right choices for their needs. Luene has been in the Insurance Industry for over 35 years and has always operated with the principals of integrity and transparency…she believes in providing what she promises!
With so many changes with product occurring in the landscape of the Canadian insurers, it became apparent to Luene several years ago that Health Risk needed to be pro-active in finding innovative solutions to meet the increasing risk to the sustainability of Extended Health Care plans. After developing the unique offerings of seCUREme, Health Risk partnered with Anahita Insurance as the Underwriter of the program. seCUREme is a Proprietary product of Health Risk Services. Health Risk is also the Administrator of the seCUREme program, and is therefore managed by some of the best administrators in the industry!
Catastrophic
Provides this much needed health insurance coverage for Cost Plus or Health Spending Account Plan.true catastrophic coverage plan that could be attached to a Cost Plus program
Stop Loss
Group coverage for 5 or more employeesStop Loss Coverage can be attached to groups of 5 or more employees with Health Spending Accounts or Traditional Plans.
Pharma
Group coverage for 5 or more employeesPrescribed Drug Stop Loss options to suit the needs of your employees and your business.
We deliver what it promises with no hidden formulas and no surprises!
seCUREme delivers what it promises with no hidden formulas and no surprise.
Why was seCUREme created
1. seCUREme products were created for the clients of Brokers across Canada, as well as clients of Health Risk Services – to fill the gaps or exposures to financial risks on their PHSPs or Traditional Plans.
2. seCUREme Catastrophic Coverage was created to deliver “Long-Term Financial Security” for Small Businesses & Self-Employed Canadians who have implemented Private Health Services Plans (PHSP) to self-insure their own Extended Health, Prescription Drug and Dental requirements. Health Risk recognized for a very long time, that although the self-insured PHSP offers many, many advantages to providing benefits as they are needed as opposed to paying into premium based plans, the companies and individuals would remain very exposed to financial hardship should someone covered under their PHSP become ill and require copious amounts of Prescription Drugs or ongoing health and dental care.
3. seCUREme Stop Loss was created to provide companies who choose to Self-Insure through Administrative Only Plans or also known as Third Party Administered Plans, with innovative and financially sustainable Stop Loss insurance to protect the Extended Health and Prescribed Drug plans from the financial disaster that unsuspected large claims can cause.