George Brown - ESL Program

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Eligibility All International Students, under age 65, their accompanying spouses and accompanying dependent children Pre-existing 90 days (with grandfathering for current eligible students) Coverage $2,000,000 lifetime benefit maximum Doctor / Physician Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition Hospital Emergency Room coverage included Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence. Medical Services and Devices coverage include: Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child) Obstetrical / Maternity Expense Indemnity $25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications) Psychiatric Hospitalization $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services Self-inflicted injuries / Suicide and Attempted Suicide $10,000 lifetime benefit maximum for required in-patient hospitalization Oncology Treatment $50,000 lifetime benefit maximum Repatriation $20,000 benefit coverage Return Home $20,000 benefit coverage This is a summary of benefits ONLY. IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission. If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. The commission or the attempt to commit a criminal act by the insured student or dependents; Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol; Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs; Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes; Cosmetic surgery, unless medically necessary as a result of an accident; Any expenses before coverage starts or after coverage has expired; Medical services provided in the insured student’s home country; Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc; Medications available without prescriptions (over the counter medicines).

This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents.
Eligibility
All International Students, under age 65, their accompanying spouses and accompanying dependent children
Pre-existing
90 days (with grandfathering for current eligible students)
Coverage
$2,000,000 lifetime benefit maximum
Doctor / Physician
Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
Hospital
Emergency Room coverage included
Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
Medical Services and Devices coverage include:
Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
Obstetrical / Maternity Expense Indemnity
$25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications)
Psychiatric Hospitalization
$50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
Self-inflicted injuries / Suicide and Attempted Suicide
$10,000 lifetime benefit maximum for required in-patient hospitalization
Oncology Treatment
$50,000 lifetime benefit maximum
Repatriation
$20,000 benefit coverage
Return Home
$20,000 benefit coverage
This is a summary of benefits ONLY.
IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
The commission or the attempt to commit a criminal act by the insured student or dependents;
Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
Cosmetic surgery, unless medically necessary as a result of an accident;
Any expenses before coverage starts or after coverage has expired;
Medical services provided in the insured student’s home country;
Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
Medications available without prescriptions (over the counter medicines).

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	Coverage $1,000,000 aggregate maximum Applicable to any accident, with support available 24 hours a day Pre-existing 90 days (with grandfathering for current eligible student) Loss of Life per insured Student: $50,000 Spouse: $10,000 Each Dependent Child: $2,500 Specific Loss Indemnity Table Schedule of coverage (includes Paralysis) - Please read your policy for complete details. Accidental Medical Reimbursement $10,000 (includes Ambulance) Bereavement $1,000 Dental Accident $2,000 Cosmetic Disfigurement $25,000 Day Care $5,000 Education Benefit $10,000 Family Transportation $15,000 Funeral Expense $6,500 Home Alteration & Vehicle Modification $15,000 Identification $10,000 In-Hospital Mos. Confinement Income $2,500 Psychological Therapy $5,000 Rehabilitation $15,000 Repatriation $15,000 Seat Belt 10% of covered amount Spousal Occupational Training $15,000 Travel Expense Reimbursement for Parent(s) $10,000 Tutorial Service $2,000 per accident at $20 per hour This is a summary of benefits ONLY. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane; Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”. Sickness or disease, either as a cause or effect; Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Coverage
$1,000,000 aggregate maximum
Applicable to any accident, with support available 24 hours a day
Pre-existing
90 days (with grandfathering for current eligible student)
Loss of Life per insured
Student: $50,000
Spouse: $10,000
Each Dependent Child: $2,500
Specific Loss Indemnity Table
Schedule of coverage (includes Paralysis) - Please read your policy for complete details.
Accidental Medical Reimbursement
$10,000 (includes Ambulance)
Bereavement
$1,000
Dental Accident
$2,000
Cosmetic Disfigurement
$25,000
Day Care
$5,000
Education Benefit
$10,000
Family Transportation
$15,000
Funeral Expense
$6,500
Home Alteration & Vehicle Modification
$15,000
Identification
$10,000
In-Hospital Mos. Confinement Income
$2,500
Psychological Therapy
$5,000
Rehabilitation
$15,000
Repatriation
$15,000
Seat Belt
10% of covered amount
Spousal Occupational Training
$15,000
Travel Expense Reimbursement for Parent(s)
$10,000
Tutorial Service
$2,000 per accident at $20 per hour
This is a summary of benefits ONLY.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
Sickness or disease, either as a cause or effect;
Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE) Coverage for Emergency Injury or Sickness Lifetime Maximum: $5,000,000 Trip Duration 180 Days maximum Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance. Global Excel For emergency assistance call 1-877-207-5018 Outside North America, call collect: +819-566-3940 Medical Assistance YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage. This is a summary of benefits ONLY. IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Emergency treatment for injury or illness in your country of domicile; If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
Coverage for Emergency Injury or Sickness
Lifetime Maximum: $5,000,000
Trip Duration
180 Days maximum
Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
Global Excel
For emergency assistance call 1-877-207-5018
Outside North America, call collect: +819-566-3940
Medical Assistance
YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
This is a summary of benefits ONLY.
IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Emergency treatment for injury or illness in your country of domicile;
If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

International OHIP Alternative

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This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Eligibility All International Students, under age 65, their accompanying spouses and accompanying dependent children Pre-existing 90 days (with grandfathering for current eligible students) Coverage $2,000,000 lifetime benefit maximum Doctor / Physician Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition Hospital Emergency Room coverage included Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence. Medical Services and Devices coverage include: Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child) Obstetrical / Maternity Expense Indemnity $25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications) Psychiatric Hospitalization $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services Self-inflicted injuries / Suicide and Attempted Suicide $10,000 lifetime benefit maximum for required in-patient hospitalization Oncology Treatment $50,000 lifetime benefit maximum Repatriation $20,000 benefit coverage Return Home $20,000 benefit coverage This is a summary of benefits ONLY. IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission. If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. The commission or the attempt to commit a criminal act by the insured student or dependents; Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol; Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs; Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes; Cosmetic surgery, unless medically necessary as a result of an accident; Any expenses before coverage starts or after coverage has expired; Medical services provided in the insured student’s home country; Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc; Medications available without prescriptions (over the counter medicines).

This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents.
Eligibility
All International Students, under age 65, their accompanying spouses and accompanying dependent children
Pre-existing
90 days (with grandfathering for current eligible students)
Coverage
$2,000,000 lifetime benefit maximum
Doctor / Physician
Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
Hospital
Emergency Room coverage included
Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
Medical Services and Devices coverage include:
Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
Obstetrical / Maternity Expense Indemnity
$25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications)
Psychiatric Hospitalization
$50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
Self-inflicted injuries / Suicide and Attempted Suicide
$10,000 lifetime benefit maximum for required in-patient hospitalization
Oncology Treatment
$50,000 lifetime benefit maximum
Repatriation
$20,000 benefit coverage
Return Home
$20,000 benefit coverage
This is a summary of benefits ONLY.
IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
The commission or the attempt to commit a criminal act by the insured student or dependents;
Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
Cosmetic surgery, unless medically necessary as a result of an accident;
Any expenses before coverage starts or after coverage has expired;
Medical services provided in the insured student’s home country;
Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
Medications available without prescriptions (over the counter medicines).

Accident Benefits

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Coverage $1,000,000 aggregate maximum Applicable to any accident, with support available 24 hours a day Pre-existing 90 days (with grandfathering for current eligible student) Loss of Life per insured Student: $50,000 Spouse: $10,000 Each Dependent Child: $2,500 Specific Loss Indemnity Table Schedule of coverage (includes Paralysis) - Please read your policy for complete details. Accidental Medical Reimbursement $10,000 (includes Ambulance) Bereavement $1,000 Dental Accident $2,000 Cosmetic Disfigurement $25,000 Day Care $5,000 Education Benefit $10,000 Family Transportation $15,000 Funeral Expense $6,500 Home Alteration & Vehicle Modification $15,000 Identification $10,000 In-Hospital Mos. Confinement Income $2,500 Psychological Therapy $5,000 Rehabilitation $15,000 Repatriation $15,000 Seat Belt 10% of covered amount Spousal Occupational Training $15,000 Travel Expense Reimbursement for Parent(s) $10,000 Tutorial Service $2,000 per accident at $20 per hour This is a summary of benefits ONLY. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane; Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”. Sickness or disease, either as a cause or effect; Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Coverage
$1,000,000 aggregate maximum
Applicable to any accident, with support available 24 hours a day
Pre-existing
90 days (with grandfathering for current eligible student)
Loss of Life per insured
Student: $50,000
Spouse: $10,000
Each Dependent Child: $2,500
Specific Loss Indemnity Table
Schedule of coverage (includes Paralysis) - Please read your policy for complete details.
Accidental Medical Reimbursement
$10,000 (includes Ambulance)
Bereavement
$1,000
Dental Accident
$2,000
Cosmetic Disfigurement
$25,000
Day Care
$5,000
Education Benefit
$10,000
Family Transportation
$15,000
Funeral Expense
$6,500
Home Alteration & Vehicle Modification
$15,000
Identification
$10,000
In-Hospital Mos. Confinement Income
$2,500
Psychological Therapy
$5,000
Rehabilitation
$15,000
Repatriation
$15,000
Seat Belt
10% of covered amount
Spousal Occupational Training
$15,000
Travel Expense Reimbursement for Parent(s)
$10,000
Tutorial Service
$2,000 per accident at $20 per hour
This is a summary of benefits ONLY.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
Sickness or disease, either as a cause or effect;
Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Travel

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EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE) Coverage for Emergency Injury or Sickness Lifetime Maximum: $5,000,000 Trip Duration 180 Days maximum Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance. Global Excel For emergency assistance call 1-877-207-5018 Outside North America, call collect: +819-566-3940 Medical Assistance YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage. This is a summary of benefits ONLY. IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Emergency treatment for injury or illness in your country of domicile; If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
Coverage for Emergency Injury or Sickness
Lifetime Maximum: $5,000,000
Trip Duration
180 Days maximum
Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
Global Excel
For emergency assistance call 1-877-207-5018
Outside North America, call collect: +819-566-3940
Medical Assistance
YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
This is a summary of benefits ONLY.
IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Emergency treatment for injury or illness in your country of domicile;
If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Eligibility All International Students, under age 65, their accompanying spouses and accompanying dependent children Pre-existing 90 days (with grandfathering for current eligible students) Coverage $2,000,000 lifetime benefit maximum Doctor / Physician Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition Hospital Emergency Room coverage included Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence. Medical Services and Devices coverage include: Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child) Obstetrical / Maternity Expense Indemnity $25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications) Psychiatric Hospitalization $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services Self-inflicted injuries / Suicide and Attempted Suicide $10,000 lifetime benefit maximum for required in-patient hospitalization Oncology Treatment $50,000 lifetime benefit maximum Repatriation $20,000 benefit coverage Return Home $20,000 benefit coverage This is a summary of benefits ONLY. IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission. If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. The commission or the attempt to commit a criminal act by the insured student or dependents; Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol; Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs; Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes; Cosmetic surgery, unless medically necessary as a result of an accident; Any expenses before coverage starts or after coverage has expired; Medical services provided in the insured student’s home country; Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc; Medications available without prescriptions (over the counter medicines).

This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents.
Eligibility
All International Students, under age 65, their accompanying spouses and accompanying dependent children
Pre-existing
90 days (with grandfathering for current eligible students)
Coverage
$2,000,000 lifetime benefit maximum
Doctor / Physician
Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
Hospital
Emergency Room coverage included
Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
Medical Services and Devices coverage include:
Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
Obstetrical / Maternity Expense Indemnity
$25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications)
Psychiatric Hospitalization
$50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
Self-inflicted injuries / Suicide and Attempted Suicide
$10,000 lifetime benefit maximum for required in-patient hospitalization
Oncology Treatment
$50,000 lifetime benefit maximum
Repatriation
$20,000 benefit coverage
Return Home
$20,000 benefit coverage
This is a summary of benefits ONLY.
IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
The commission or the attempt to commit a criminal act by the insured student or dependents;
Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
Cosmetic surgery, unless medically necessary as a result of an accident;
Any expenses before coverage starts or after coverage has expired;
Medical services provided in the insured student’s home country;
Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
Medications available without prescriptions (over the counter medicines).

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	Coverage $1,000,000 aggregate maximum Applicable to any accident, with support available 24 hours a day Pre-existing 90 days (with grandfathering for current eligible student) Loss of Life per insured Student: $50,000 Spouse: $10,000 Each Dependent Child: $2,500 Specific Loss Indemnity Table Schedule of coverage (includes Paralysis) - Please read your policy for complete details. Accidental Medical Reimbursement $10,000 (includes Ambulance) Bereavement $1,000 Dental Accident $2,000 Cosmetic Disfigurement $25,000 Day Care $5,000 Education Benefit $10,000 Family Transportation $15,000 Funeral Expense $6,500 Home Alteration & Vehicle Modification $15,000 Identification $10,000 In-Hospital Mos. Confinement Income $2,500 Psychological Therapy $5,000 Rehabilitation $15,000 Repatriation $15,000 Seat Belt 10% of covered amount Spousal Occupational Training $15,000 Travel Expense Reimbursement for Parent(s) $10,000 Tutorial Service $2,000 per accident at $20 per hour This is a summary of benefits ONLY. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane; Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”. Sickness or disease, either as a cause or effect; Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Coverage
$1,000,000 aggregate maximum
Applicable to any accident, with support available 24 hours a day
Pre-existing
90 days (with grandfathering for current eligible student)
Loss of Life per insured
Student: $50,000
Spouse: $10,000
Each Dependent Child: $2,500
Specific Loss Indemnity Table
Schedule of coverage (includes Paralysis) - Please read your policy for complete details.
Accidental Medical Reimbursement
$10,000 (includes Ambulance)
Bereavement
$1,000
Dental Accident
$2,000
Cosmetic Disfigurement
$25,000
Day Care
$5,000
Education Benefit
$10,000
Family Transportation
$15,000
Funeral Expense
$6,500
Home Alteration & Vehicle Modification
$15,000
Identification
$10,000
In-Hospital Mos. Confinement Income
$2,500
Psychological Therapy
$5,000
Rehabilitation
$15,000
Repatriation
$15,000
Seat Belt
10% of covered amount
Spousal Occupational Training
$15,000
Travel Expense Reimbursement for Parent(s)
$10,000
Tutorial Service
$2,000 per accident at $20 per hour
This is a summary of benefits ONLY.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
Sickness or disease, either as a cause or effect;
Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE) Coverage for Emergency Injury or Sickness Lifetime Maximum: $5,000,000 Trip Duration 180 Days maximum Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance. Global Excel For emergency assistance call 1-877-207-5018 Outside North America, call collect: +819-566-3940 Medical Assistance YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage. This is a summary of benefits ONLY. IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Emergency treatment for injury or illness in your country of domicile; If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
Coverage for Emergency Injury or Sickness
Lifetime Maximum: $5,000,000
Trip Duration
180 Days maximum
Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
Global Excel
For emergency assistance call 1-877-207-5018
Outside North America, call collect: +819-566-3940
Medical Assistance
YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
This is a summary of benefits ONLY.
IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Emergency treatment for injury or illness in your country of domicile;
If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

International OHIP Alternative

1 of 1


This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Eligibility All International Students, under age 65, their accompanying spouses and accompanying dependent children Pre-existing 90 days (with grandfathering for current eligible students) Coverage $2,000,000 lifetime benefit maximum Doctor / Physician Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition Hospital Emergency Room coverage included Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence. Medical Services and Devices coverage include: Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child) Obstetrical / Maternity Expense Indemnity $25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications) Psychiatric Hospitalization $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services Self-inflicted injuries / Suicide and Attempted Suicide $10,000 lifetime benefit maximum for required in-patient hospitalization Oncology Treatment $50,000 lifetime benefit maximum Repatriation $20,000 benefit coverage Return Home $20,000 benefit coverage This is a summary of benefits ONLY. IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission. If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. The commission or the attempt to commit a criminal act by the insured student or dependents; Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol; Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs; Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes; Cosmetic surgery, unless medically necessary as a result of an accident; Any expenses before coverage starts or after coverage has expired; Medical services provided in the insured student’s home country; Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc; Medications available without prescriptions (over the counter medicines).

This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents.
Eligibility
All International Students, under age 65, their accompanying spouses and accompanying dependent children
Pre-existing
90 days (with grandfathering for current eligible students)
Coverage
$2,000,000 lifetime benefit maximum
Doctor / Physician
Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
Hospital
Emergency Room coverage included
Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
Medical Services and Devices coverage include:
Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
Obstetrical / Maternity Expense Indemnity
$25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications)
Psychiatric Hospitalization
$50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
Self-inflicted injuries / Suicide and Attempted Suicide
$10,000 lifetime benefit maximum for required in-patient hospitalization
Oncology Treatment
$50,000 lifetime benefit maximum
Repatriation
$20,000 benefit coverage
Return Home
$20,000 benefit coverage
This is a summary of benefits ONLY.
IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
The commission or the attempt to commit a criminal act by the insured student or dependents;
Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
Cosmetic surgery, unless medically necessary as a result of an accident;
Any expenses before coverage starts or after coverage has expired;
Medical services provided in the insured student’s home country;
Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
Medications available without prescriptions (over the counter medicines).

Accident Benefits

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Coverage $1,000,000 aggregate maximum Applicable to any accident, with support available 24 hours a day Pre-existing 90 days (with grandfathering for current eligible student) Loss of Life per insured Student: $50,000 Spouse: $10,000 Each Dependent Child: $2,500 Specific Loss Indemnity Table Schedule of coverage (includes Paralysis) - Please read your policy for complete details. Accidental Medical Reimbursement $10,000 (includes Ambulance) Bereavement $1,000 Dental Accident $2,000 Cosmetic Disfigurement $25,000 Day Care $5,000 Education Benefit $10,000 Family Transportation $15,000 Funeral Expense $6,500 Home Alteration & Vehicle Modification $15,000 Identification $10,000 In-Hospital Mos. Confinement Income $2,500 Psychological Therapy $5,000 Rehabilitation $15,000 Repatriation $15,000 Seat Belt 10% of covered amount Spousal Occupational Training $15,000 Travel Expense Reimbursement for Parent(s) $10,000 Tutorial Service $2,000 per accident at $20 per hour This is a summary of benefits ONLY. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane; Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”. Sickness or disease, either as a cause or effect; Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Coverage
$1,000,000 aggregate maximum
Applicable to any accident, with support available 24 hours a day
Pre-existing
90 days (with grandfathering for current eligible student)
Loss of Life per insured
Student: $50,000
Spouse: $10,000
Each Dependent Child: $2,500
Specific Loss Indemnity Table
Schedule of coverage (includes Paralysis) - Please read your policy for complete details.
Accidental Medical Reimbursement
$10,000 (includes Ambulance)
Bereavement
$1,000
Dental Accident
$2,000
Cosmetic Disfigurement
$25,000
Day Care
$5,000
Education Benefit
$10,000
Family Transportation
$15,000
Funeral Expense
$6,500
Home Alteration & Vehicle Modification
$15,000
Identification
$10,000
In-Hospital Mos. Confinement Income
$2,500
Psychological Therapy
$5,000
Rehabilitation
$15,000
Repatriation
$15,000
Seat Belt
10% of covered amount
Spousal Occupational Training
$15,000
Travel Expense Reimbursement for Parent(s)
$10,000
Tutorial Service
$2,000 per accident at $20 per hour
This is a summary of benefits ONLY.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
Sickness or disease, either as a cause or effect;
Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Travel

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EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE) Coverage for Emergency Injury or Sickness Lifetime Maximum: $5,000,000 Trip Duration 180 Days maximum Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance. Global Excel For emergency assistance call 1-877-207-5018 Outside North America, call collect: +819-566-3940 Medical Assistance YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage. This is a summary of benefits ONLY. IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Emergency treatment for injury or illness in your country of domicile; If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
Coverage for Emergency Injury or Sickness
Lifetime Maximum: $5,000,000
Trip Duration
180 Days maximum
Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
Global Excel
For emergency assistance call 1-877-207-5018
Outside North America, call collect: +819-566-3940
Medical Assistance
YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
This is a summary of benefits ONLY.
IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Emergency treatment for injury or illness in your country of domicile;
If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Eligibility All International Students, under age 65, their accompanying spouses and accompanying dependent children Pre-existing 90 days (with grandfathering for current eligible students) Coverage $2,000,000 lifetime benefit maximum Doctor / Physician Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition Hospital Emergency Room coverage included Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence. Medical Services and Devices coverage include: Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child) Obstetrical / Maternity Expense Indemnity $25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications) Psychiatric Hospitalization $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services Self-inflicted injuries / Suicide and Attempted Suicide $10,000 lifetime benefit maximum for required in-patient hospitalization Oncology Treatment $50,000 lifetime benefit maximum Repatriation $20,000 benefit coverage Return Home $20,000 benefit coverage This is a summary of benefits ONLY. IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission. If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. The commission or the attempt to commit a criminal act by the insured student or dependents; Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol; Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs; Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes; Cosmetic surgery, unless medically necessary as a result of an accident; Any expenses before coverage starts or after coverage has expired; Medical services provided in the insured student’s home country; Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc; Medications available without prescriptions (over the counter medicines).

This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents.
Eligibility
All International Students, under age 65, their accompanying spouses and accompanying dependent children
Pre-existing
90 days (with grandfathering for current eligible students)
Coverage
$2,000,000 lifetime benefit maximum
Doctor / Physician
Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
Hospital
Emergency Room coverage included
Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
Medical Services and Devices coverage include:
Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
Obstetrical / Maternity Expense Indemnity
$25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications)
Psychiatric Hospitalization
$50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
Self-inflicted injuries / Suicide and Attempted Suicide
$10,000 lifetime benefit maximum for required in-patient hospitalization
Oncology Treatment
$50,000 lifetime benefit maximum
Repatriation
$20,000 benefit coverage
Return Home
$20,000 benefit coverage
This is a summary of benefits ONLY.
IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
The commission or the attempt to commit a criminal act by the insured student or dependents;
Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
Cosmetic surgery, unless medically necessary as a result of an accident;
Any expenses before coverage starts or after coverage has expired;
Medical services provided in the insured student’s home country;
Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
Medications available without prescriptions (over the counter medicines).

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	Coverage $1,000,000 aggregate maximum Applicable to any accident, with support available 24 hours a day Pre-existing 90 days (with grandfathering for current eligible student) Loss of Life per insured Student: $50,000 Spouse: $10,000 Each Dependent Child: $2,500 Specific Loss Indemnity Table Schedule of coverage (includes Paralysis) - Please read your policy for complete details. Accidental Medical Reimbursement $10,000 (includes Ambulance) Bereavement $1,000 Dental Accident $2,000 Cosmetic Disfigurement $25,000 Day Care $5,000 Education Benefit $10,000 Family Transportation $15,000 Funeral Expense $6,500 Home Alteration & Vehicle Modification $15,000 Identification $10,000 In-Hospital Mos. Confinement Income $2,500 Psychological Therapy $5,000 Rehabilitation $15,000 Repatriation $15,000 Seat Belt 10% of covered amount Spousal Occupational Training $15,000 Travel Expense Reimbursement for Parent(s) $10,000 Tutorial Service $2,000 per accident at $20 per hour This is a summary of benefits ONLY. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane; Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”. Sickness or disease, either as a cause or effect; Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Coverage
$1,000,000 aggregate maximum
Applicable to any accident, with support available 24 hours a day
Pre-existing
90 days (with grandfathering for current eligible student)
Loss of Life per insured
Student: $50,000
Spouse: $10,000
Each Dependent Child: $2,500
Specific Loss Indemnity Table
Schedule of coverage (includes Paralysis) - Please read your policy for complete details.
Accidental Medical Reimbursement
$10,000 (includes Ambulance)
Bereavement
$1,000
Dental Accident
$2,000
Cosmetic Disfigurement
$25,000
Day Care
$5,000
Education Benefit
$10,000
Family Transportation
$15,000
Funeral Expense
$6,500
Home Alteration & Vehicle Modification
$15,000
Identification
$10,000
In-Hospital Mos. Confinement Income
$2,500
Psychological Therapy
$5,000
Rehabilitation
$15,000
Repatriation
$15,000
Seat Belt
10% of covered amount
Spousal Occupational Training
$15,000
Travel Expense Reimbursement for Parent(s)
$10,000
Tutorial Service
$2,000 per accident at $20 per hour
This is a summary of benefits ONLY.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
Sickness or disease, either as a cause or effect;
Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Compare Plans

	Enhanced Coverage for All Plans Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans
	EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE) Coverage for Emergency Injury or Sickness Lifetime Maximum: $5,000,000 Trip Duration 180 Days maximum Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance. Global Excel For emergency assistance call 1-877-207-5018 Outside North America, call collect: +819-566-3940 Medical Assistance YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage. This is a summary of benefits ONLY. IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Emergency treatment for injury or illness in your country of domicile; If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
Coverage for Emergency Injury or Sickness
Lifetime Maximum: $5,000,000
Trip Duration
180 Days maximum
Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
Global Excel
For emergency assistance call 1-877-207-5018
Outside North America, call collect: +819-566-3940
Medical Assistance
YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
This is a summary of benefits ONLY.
IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Emergency treatment for injury or illness in your country of domicile;
If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

International OHIP Alternative

1 of 1


This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Eligibility All International Students, under age 65, their accompanying spouses and accompanying dependent children Pre-existing 90 days (with grandfathering for current eligible students) Coverage $2,000,000 lifetime benefit maximum Doctor / Physician Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition Hospital Emergency Room coverage included Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence. Medical Services and Devices coverage include: Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child) Obstetrical / Maternity Expense Indemnity $25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications) Psychiatric Hospitalization $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services Self-inflicted injuries / Suicide and Attempted Suicide $10,000 lifetime benefit maximum for required in-patient hospitalization Oncology Treatment $50,000 lifetime benefit maximum Repatriation $20,000 benefit coverage Return Home $20,000 benefit coverage This is a summary of benefits ONLY. IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission. If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. The commission or the attempt to commit a criminal act by the insured student or dependents; Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol; Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs; Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes; Cosmetic surgery, unless medically necessary as a result of an accident; Any expenses before coverage starts or after coverage has expired; Medical services provided in the insured student’s home country; Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc; Medications available without prescriptions (over the counter medicines).

This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents.
Eligibility
All International Students, under age 65, their accompanying spouses and accompanying dependent children
Pre-existing
90 days (with grandfathering for current eligible students)
Coverage
$2,000,000 lifetime benefit maximum
Doctor / Physician
Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
Hospital
Emergency Room coverage included
Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
Medical Services and Devices coverage include:
Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
Obstetrical / Maternity Expense Indemnity
$25,000 lifetime maximum for pre and post-natal care (childbirth, miscarriage, complications)
Psychiatric Hospitalization
$50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
Self-inflicted injuries / Suicide and Attempted Suicide
$10,000 lifetime benefit maximum for required in-patient hospitalization
Oncology Treatment
$50,000 lifetime benefit maximum
Repatriation
$20,000 benefit coverage
Return Home
$20,000 benefit coverage
This is a summary of benefits ONLY.
IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.00.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
The commission or the attempt to commit a criminal act by the insured student or dependents;
Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
Cosmetic surgery, unless medically necessary as a result of an accident;
Any expenses before coverage starts or after coverage has expired;
Medical services provided in the insured student’s home country;
Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
Medications available without prescriptions (over the counter medicines).

Accident Benefits

1 of 1


Coverage $1,000,000 aggregate maximum Applicable to any accident, with support available 24 hours a day Pre-existing 90 days (with grandfathering for current eligible student) Loss of Life per insured Student: $50,000 Spouse: $10,000 Each Dependent Child: $2,500 Specific Loss Indemnity Table Schedule of coverage (includes Paralysis) - Please read your policy for complete details. Accidental Medical Reimbursement $10,000 (includes Ambulance) Bereavement $1,000 Dental Accident $2,000 Cosmetic Disfigurement $25,000 Day Care $5,000 Education Benefit $10,000 Family Transportation $15,000 Funeral Expense $6,500 Home Alteration & Vehicle Modification $15,000 Identification $10,000 In-Hospital Mos. Confinement Income $2,500 Psychological Therapy $5,000 Rehabilitation $15,000 Repatriation $15,000 Seat Belt 10% of covered amount Spousal Occupational Training $15,000 Travel Expense Reimbursement for Parent(s) $10,000 Tutorial Service $2,000 per accident at $20 per hour This is a summary of benefits ONLY. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane; Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”. Sickness or disease, either as a cause or effect; Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Coverage
$1,000,000 aggregate maximum
Applicable to any accident, with support available 24 hours a day
Pre-existing
90 days (with grandfathering for current eligible student)
Loss of Life per insured
Student: $50,000
Spouse: $10,000
Each Dependent Child: $2,500
Specific Loss Indemnity Table
Schedule of coverage (includes Paralysis) - Please read your policy for complete details.
Accidental Medical Reimbursement
$10,000 (includes Ambulance)
Bereavement
$1,000
Dental Accident
$2,000
Cosmetic Disfigurement
$25,000
Day Care
$5,000
Education Benefit
$10,000
Family Transportation
$15,000
Funeral Expense
$6,500
Home Alteration & Vehicle Modification
$15,000
Identification
$10,000
In-Hospital Mos. Confinement Income
$2,500
Psychological Therapy
$5,000
Rehabilitation
$15,000
Repatriation
$15,000
Seat Belt
10% of covered amount
Spousal Occupational Training
$15,000
Travel Expense Reimbursement for Parent(s)
$10,000
Tutorial Service
$2,000 per accident at $20 per hour
This is a summary of benefits ONLY.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
Sickness or disease, either as a cause or effect;
Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.

Travel

1 of 1


EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE) Coverage for Emergency Injury or Sickness Lifetime Maximum: $5,000,000 Trip Duration 180 Days maximum Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance. Global Excel For emergency assistance call 1-877-207-5018 Outside North America, call collect: +819-566-3940 Medical Assistance YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage. This is a summary of benefits ONLY. IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred. WHAT IS NOT COVERED? (Exclusions) This is a summary of exclusions ONLY. Emergency treatment for injury or illness in your country of domicile; If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
Coverage for Emergency Injury or Sickness
Lifetime Maximum: $5,000,000
Trip Duration
180 Days maximum
Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
Global Excel
For emergency assistance call 1-877-207-5018
Outside North America, call collect: +819-566-3940
Medical Assistance
YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
This is a summary of benefits ONLY.
IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY.
Emergency treatment for injury or illness in your country of domicile;
If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.

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Refund Method	Cheque Direct Deposit Refund will be credited to the student account	Band ()

George Brown - ESL Program

George Brown - ESL Program

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