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80% co-insurance
Maximum: $2,000
Contraception maximum $500 eff. Sept 1/23.
Basic and Preventative: 100%
Minor Restorative: 75%
Extractions and Oral Surgery: 75%
Major Restorative: 10%
Maximum: $500
Paramedical Practitioners: 80%
Maximum: $300
$75 maximum for one eye exam and a combined $110 maximum towards prescribed lenses and frames, contact lenses OR laser eye surgery every 24 consecutive months
65% co-insurance
Maximum: $1,500
Contraceptive co-insurance $250 eff. Sept 1/23.
Basic and Preventative: 100%
Minor Restorative: 85%
Extractions and Oral Surgery: 85%
Major restorative: 15%
Maximum: $800
Paramedical Practitioners:
$20 per visit
Maximum: $300
$75 maximum for one eye exam and a combined $50 maximum towards prescribed lenses and frames, contact lenses OR laser eye surgery every 24 consecutive months
90% co-insurance
Maximum: $4,000
Contraception maximum $500 eff. Sept 1/23
$1,000 for insulin supplies
Basic and Preventative: 80%
Minor Restorative: 60%
Extractions and Oral Surgery: 60%
Major Restorative: 10%
Maximum: $400
Paramedical Practitioners:
80% per visit
Maximum: $300
$75 for one eye exam and a combined $100 maximum towards prescribed lenses and frames, contact lenses OR laser eye surgery every 24 consecutive months
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- $2,000 maximum
- Coverage Details:
- 80% coverage
- $10.50 dispensing fee cap
- Drugs Covered
- Most prescription drugs and medicines
- Allergy serums
- Insulin injectables
- Insulin supplies under pseudo din #910333 ($500 maximum)
- Gardasil vaccine
- Oral contraceptives, contraceptive patch, Nuva Ring and IUD's subject to a maximum of $500 effective Sept 1/23.
Enhanced Dental Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- $1,500 maximum
- Coverage Details:
- 65% coverage
- $10.50 dispensing fee cap
- Drugs Covered:
- Most prescription drugs and medicines
- Allergy serums
- Insulin injectables
- Insulin supplies under pseudo din #910333 ($500 maximum)
- Gardasil vaccine
- Oral contraceptives, contraceptive patch, Nuva Ring and IUD's subject to a maximum of $250 effective Sept 1/23.
Enhanced Drug Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- $4,000 maximum
- Coverage Details:
- 90% coverage
- $10.50 dispensing fee cap
- Drugs Covered
- Most prescription drugs and medicines
- Allergy serums
- Insulin injectables
- Insulin supplies under pseudo din #910333 ($1,000 maximum)
- Gardasil vaccine
- Oral contraceptives, contraceptive patch, Nuva Ring and IUD's subject to a maximum of $500 effective Sept 1/23.
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- $500 Maximum
- Basic & Preventative Services
- 100% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 100% of one cleaning and one unit of polishing; includes up to 4 units of scaling (above the gum line)
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 75% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 75% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Restorative are covered at 10%.
Enhanced Dental Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- $800 Maximum
- Basic & Preventative Services
- 100% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 100% of one cleaning and one unit of polishing; includes up to 4 units of scaling (above the gum line)
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 85% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 85% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 15% as noted below.
- Other
- Endodontics, Periodontics, and Major Restorative are covered at 15%.
Enhanced Drug Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- $400 Maximum
- Basic & Preventative Services
- 80% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 80% of one cleaning and one unit of polishing; includes up to 4 units of scaling (above the gum line)
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 60% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 60% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Restorative are covered at 10%.
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- All benefits are covered at 80%
- Paramedical Practitioners
- Maximum of $300 each policy year for each type of practitioner listed below:
- Combines services of a podiatrist or chiropodist, if recommended by a physician;
- Services of an osteopath;
- Services of a registered dietician;
- Services of an acupuncturist. Practitioners must be registered with Transitional Council of the College of Traditional Chinese Medicine Practitioners and Acupuncturists of Ontario;
- Combined services of a naturopath or a chiropractor
- Services of a registered massage therapist; if recommended by a physician
- Services of a physiotherapist, if recommended by a physician
- 80% coverage to a maximum of $1,000.00 for:
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200.00, if recommended by a physician, podiatrist or chiropodist.
- Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
- *When submitting your claim, be sure to include the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
- Orthopedic supplies must be dispensed by a different provider than the prescriber.
- Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
- Ambulance
- Air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
- Equipment Rental
- Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
- Medical Supplies
- Vaccines (excluding Hepatitis B), compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Prosthetic Appliances
- Artificial limbs - lost, repair & replacement
- Artificial eyes - one polishing or one re-making each year
- Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
- External breast prosthesis to a maximum of $200
- Other
- Oxygen, blood or blood products and the equipment required for its administration
- treatment of a sickness by the use of radiotherapy or coagulotherapy
- laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy.
Enhanced Dental Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- All benefits are covered at 80%
- Paramedical Practitioners
- $20.00 per visit up to a maximum of $300 each policy year for each type of practitioner listed below:
- Combines services of a podiatrist or chiropodist, if recommended by a physician;
- Services of an osteopath;
- Services of a registered dietician;
- Services of an acupuncturist. Practitioners must be registered with Transitional Council of the College of Traditional Chinese Medicine Practitioners and Acupuncturists of Ontario;
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician
- Combined services of a naturopath or a chiropractor
- Services of a registered massage therapist; if recommended by a physician
- Services of a physiotherapist, if recommended by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200.00, if recommended by a physician, podiatrist or chiropodist.
- Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
- Orthopedic supplies must be dispensed by a different provider than the prescriber.
- Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
- *When submitting your claim, be sure to include the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
- Ambulance
- Air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
- Equipment Rental
- Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
- Medical Supplies
- Vaccines (excluding Hepatitis B and Gardasil), compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Prosthetic Appliances
- Artificial limbs - lost, repair & replacement
- Artificial eyes - one polishing or one re-making each year
- Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
- External breast prosthesis to a maximum of $200
- Other
- Oxygen, blood or blood products and the equipment required for its administration
- treatment of a sickness by the use of radiotherapy or coagulotherapy
- laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy.
Enhanced Drug Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- All benefits are covered at 80%
- Paramedical Practitioners
- Maximum of $300 each policy year for each type of practitioner listed below:
- Combines services of a podiatrist or chiropodist, if recommended by a physician;
- Services of an osteopath;
- Services of a registered dietician;
- Services of an acupuncturist. Practitioners must be registered with Transitional Council of the College of Traditional Chinese Medicine Practitioners and Acupuncturists of Ontario;
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician
- Combined services of a naturopath or a chiropractor
- Services of a registered massage therapist; if recommended by a physician
- Services of a physiotherapist, if recommended by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200.00, if recommended by a physician, podiatrist or chiropodist.
- Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
- Orthopedic supplies must be dispensed by a different provider than the prescriber.
- Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
- *When submitting your claim, be sure to include the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
- Ambulance
- Air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
- Equipment Rental
- Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
- Medical Supplies
- Vaccines (excluding Hepatitis B and Gardasil), compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Prosthetic Appliances
- Artificial limbs - lost, repair & replacement
- Artificial eyes - one polishing or one re-making each year
- Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
- External breast prosthesis to a maximum of $200
- Other
- Oxygen, blood or blood products and the equipment required for its administration
- treatment of a sickness by the use of radiotherapy or coagulotherapy
- laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy.
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- 100% of all eligible vision care claims are covered
- One eye exam every 24 consecutive months to a maximum of $75.00
- Combined $110 maximum towards prescribed lenses and frames, contact lenses OR laser eye surgery every 24 consecutive months
- $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced Dental Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- 100% of all eligible vision care claims are covered
- One eye exam every 24 consecutive months to a maximum of $75.00
- Combined $50.00 maximum towards prescribed lenses and frames, contact lenses OR laser eye surgery every 24 consecutive months
- $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced Drug Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- 100% of all eligible vision care claims are covered
- One eye exam every 24 consecutive months to a maximum of $75.00
- Combined $100.00 maximum towards prescribed lenses and frames, contact lenses OR laser eye surgery every 24 consecutive months
- $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- Life Insurance
- A death occurring as a result of an accident will pay $7500.
- Accidental Medical Expense
- Hospital charges
- Services of a nurse
- Services of a physiotherapist or chiropractor when recommended by a physician
- Services of a chiropodist, podiatrist, osteopath or speech therapist
- Transportation by an ambulance up to $1,000
- Medical equipment
- X-rays
- Accidental Dental Expense
- Injury coverage to a maximum of $2,000.
- Emergency Taxi
- Licensed taxi covered to a maximum of $50.
- Rehabilitation
- Training for special occupation covered to a maximum of $5000.
- Repatriation
- Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.
- Tutorial
- Tutorial services at $20/hour up to $2,000.
- Eyeglasses & Contact Lenses
- Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.
- Home Modification & Vehicle Modification
- Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.
- Hearing Aids
- Covered to a maximum of $3000.
- Family Benefits
- All students may obtain coverage for their spouse and dependant children. You may enroll your family using your Visa online or by certified cheque or money order through the mail.
- Students must have received treatment from a qualified physician/dentist within 30 days from the date of an accident.
- Completed claim form must be filed directly to Industrial Alliance Insurance and Financial Services Inc. within 90 days from the date of the accident, and no later than 1 year
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- Travelling Outside of Canada
- When travelling outside of Canada you have Accident coverage limited to $10,000.00 as the result of any one accident:
- services and supplies rendered by a hospital while the Insured is confirmed as a resident in-patient in standard ward or semi-private accommodation
- services of a physician or anesthetist
- services of a nurse
- diagnostic x-ray examination by a physician
- transportation by a licensed ambulance: rental of crutches, splints, trusses or braces (excluding the expense of brace or similar device used for non-therapeutic purposes or used solely for the purpose of participating in sports or other leisure activities).
- Reimbursement under this provision shall not duplicate payment provided by any other part of the policy. Insurance commences on the date of departure of an Insured from the province of residence and terminates upon the date of return to the province of residence.
- Travelling Within Canada
- Emergency Taxi
- When injury necessitates immediate medical attention, the Company will pay the reasonable expense incurred for a licensed taxi to transport the Insured to either a physician’s office or the nearest hospital, subject to the maximum amount of $50.00 as the result of any one accident.
- Special Treatment Travel Expense
- If injury necessitates special medical treatment recommended by the attending physician and which cannot be obtained within a radius of 160 kilometers of the Insured's residence, the Company will pay the reasonable and necessary travel expenses actually incurred to obtain such treatment. Should the age of the Insured necessitate accompaniment by an escort, the Company will pay reasonable and necessary travel expenses actually incurred for the person who accompanies the Insured, plus ordinary living expenses up to $40.00 per day. The maximum amount payable under this provision is $1,000.00 for all such expenses.
- Supplemental Transportation Expense
- If, as a result of an injury, it is deemed necessary for the Insured to be transported to his regular scheduled classes and his residence by means of transportation other than that which would have normally been used by the Insured, had such injury not occurred, the Company will reimburse the Insured for the additional cost of such alternate transportation, subject to a maximum of $15.00 per day and payable up to 60 scheduled class days.