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Standard Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans N/A |
Enhanced Drug/Vision Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans 100% of all eligible vision care claims are covered
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Enhanced Dental/Vision Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans 100% of all eligible vision care claims are covered
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75% co-insurance
Maximum: $5,000
Basic and Preventative: 100%
Minor Restorative: 75%
Extractions and Oral Surgery: 75%
Major Restorative: 10%
Maximum: $500
80% co-insurance
Maximum: $6,500
Basic and Preventative: 50%
Minor Restorative: 40%
Extractions and Oral Surgery: 25%
Major Restorative: 0%
Maximum: $250
$50 maximum towards one eye exam and $80 for prescribed lenses and frames or contacts every consecutive 24 months
70% co-insurance
Maximum: $500
Basic and Preventative: 100%
Minor Restorative: 80%
Extractions and Oral Surgery: 75%
Major Restorative: 10%
Maximum: $700
$50 maximum towards one eye exam and $80 for prescribed lenses and frames or contact lenses every consecutive 24 months
- $5,000 maximum
- Coverage Details:
- 75% coverage
- $5.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
- Contraceptive patch and oral contraceptives
- Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
- Gardasil Vaccine
- Acne medications (excluding Accutane)
- $6,500 maximum
- Coverage Details:
- 80% coverage
- $5.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
- Contraceptive patch and oral contraceptives
- Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
- Gardasil Vaccine
- Acne medications (excluding Accutane)
- $500 maximum
- Coverage Details:
- 70% coverage
- $5.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
- Contraceptive patch and oral contraceptives
- Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
- Gardasil Vaccine
- Acne medications (excluding Accutane)
- $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
- 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.
- Endodontics, Periodontics, and Major Restorative are covered at 10%.
- $250 Maximum
- Basic & Preventative Services
- 50% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 50% of one cleaning and two units of polishing, includes up to 4 units of scaling
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 40% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 25% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year.
- Endodontics, Periodontics, and Major Restorative are not covered.
- $700 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 two units of polishing, includes up to 4 units of scaling
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 80% 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.
- Endodontics, Periodontics, and Major Restorative are covered at 10%.
- 100% of all eligible vision care claims are covered
- one eye exam every 24 consecutive months to a maximum of $50.00
- $80.00 maximum towards prescribed lenses and frames OR contact lenses 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
- 100% of all eligible vision care claims are covered
- one eye exam every 24 consecutive months to a maximum of $50.00
- $80.00 maximum towards prescribed lenses and frames OR contact lenses 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
- 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.
- 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.
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The importance of self-care and a healthy balance in mental and physical well-being for students is extremely important today, especially for those arriving to join a new community, experience different environments and meet new peers. It often means facing challenges and dealing with new pressures. WeSpeakStudent wants you to that there are helpful resources in your local community ready to support you.
- Community Resources
- Bluewater Health
- Addictions and Problem Gambling Services
- Level 6, Russell Building
- 89 Norman Street, Sarnia, Ontario N7T 6S3
- Tel: 519-464-4400, Ext. 5370
- Lambton Mental Wellness Centre (Mental Health Peer Support & Family Support)
- 109 Durand Street,
- Sarnia, Ontario N7T 5A1
- Tel: 519-344-5602
- http://www.lmwc.ca/
- Lambton Mental Health Service Distress Line
- Available 24/7 including holidays.
- Tel: 519-336-3445 or 800-307-4319
- Outpatient Mental Health
- Levels 4 & 6, Russell Building
- Bluewater Health
- 89 Norman Street, Sarnia, Ontario N7T 6S3
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24/7 Phone & Online Resources
Mental Health First Response Line – 519-336-3445 or 1-800-307-4319
Distress Line – 519-336-3000 or 1-888-347-8737
Good 2 Talk (17-25 years old) – 1-866-925-5454, www.good2talk.ca
Connex Mental Health Helpline – 1-866-531-2600, www.mentalhealthhelpline.ca
Kids Help Phone (under 20 years old) – 1-888-668-6868, www.kidshelpphone.ca Kids Help Phone Resources