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Balanced Plan
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Accident Benefits for All Plans
Travel for All Plans
- OHIP ALTERNATIVE INSURANCE (Health coverage in Canada)
- 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. Reimbursement of benefits will be made only upon the submission of verification from the hospital, attending physician, or surgeon that the services claimed were rendered. Certain Maximums and restrictions may apply.
- Eligibility
- All International Students, under age 65, their accompanying spouses and accompanying dependent children
- Pre-existing
- 120 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 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
- $15,000 benefit coverage
- Return Home
- $10,000 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.
- 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).
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 and Nuva Ring subject to a maximum of $60.00 ($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 and Nuva Ring subject to a maximum of $30.00 ($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 and Nuva Ring subject to a maximum of $60.00 ($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 10% 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
- $110 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
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
- $50.00 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
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
- $100.00 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
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
- 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
- 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.
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel 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.
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- STUDENT ASSISTANCE PROGRAM (SAP)
- 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. With this program, you are not alone. There are resources to find clinical support and assistance on your campus and in your community as well as coaching, tips, and tools available.
- Starting September 01 2024, the WeConnect Student Assistance Program (SAP) provides mental health and wellness services to students through our virtual platform (powered by Dialogue), available via the web or a mobile application.
- How do I access?
- Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
- Call 1-855-853-0565 or Visit www.morcare.ca
- Services include:
- Access is available 24/7 by phone or virtual resources, worldwide.
- Care is immediate by connecting with the intake team and payment for counselling is not required
- Time management and organization
- Career development
- Student-life balance
- Personal growth and development
- Dependent Care
- Legal and Financial Support
- Daily Living / Life Coaching
- Mindfulness / Wellness Coaching
Balanced Plan
Enhanced Coverage for All Plans
Accident Benefits for All Plans
Travel for All Plans
- ENHANCED COVERAGE
- Early Arrival:
- Early arrival insurance shall commence 30 days prior to effective date stated on the application on file with the Policyholder, provided premium has been paid, if the insured international student arrived prior to the effective date.
- Attempted Suicide or Self-inflicted Injuries
- Suicide or Self-inflicted injuries clause is for in/out patient hospital services
- Charges for the following will be limited to a lifetime maximum of $10,000 per insured :
- In-patient and out-patient hospital services (including emergency room charges)
- Psychiatry services
- Nursing and home support (including assessment charges)
- Out-patient treatment programs which would be provided under the Provincial Health Insurance Plan.
- This is a summary of benefits ONLY.