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Plan Overview
Balanced Plan
Prescription Drugs

90% co-insurance
$10 Dispensing fee max
Maximum: $3,500

Dental

Basic and Preventative: 100%
Minor Restorative: 80%
Extractions (limit 2 wisdom teeth): 50%
Major Restorative: 20%
Maximum: $750

Extended Health

Paramedical Practitioners:
$35 per treatment ($300 maximum)
Orthopedics: 80%, $200 maximum

Vision

100% coverage for a general
eye exam, $200 for prescribed lenses
and frames or contact lenses every 24
consecutive months.

Enhanced Drug Plan
Prescription Drugs

100% co-insurance
$10 Dispensing fee max
Maximum: $5,000

Dental

Basic and Preventative: 80%
Minor Restorative: 50%
Extractions (limit 2 wisdom teeth): 50%
Major Restorative: 20%
Maximum: $500

Extended Health

Paramedical Practitioners:
$20 per treatment ($250 maximum)
Orthopedics: 80%, $200 maximum

Vision

100% coverage for a general
eye exam, $150 for prescribed lenses
and frames or contact lenses every 24
consecutive months.

Enhanced Dental Plan
Prescription Drugs

80% co-insurance
$10 Dispensing fee max
Maximum: $2,000

Dental

Basic and Preventative: 100%
Minor Restorative: 80%
Extractions (limit 2 wisdom teeth): 50%
Major Restorative: 20%
Maximum: $1,000

Extended Health

Paramedical Practitioners:
$25 per treatment ($250 maximum)
Orthopedics: 80%, $200 maximum

Vision

100% coverage for a general
eye exam, $100 for prescribed lenses
and frames or contact lenses every 24
consecutive months.

Enhanced EHC/Vision Plan
Prescription Drugs

80% co-insurance
$10 Dispensing fee max
Maximum: $2,000

Dental

Basic and Preventative: 80%
Minor Restorative: 50%
Extractions (limit 2 wisdom teeth): 50%
Major Restorative: 10%
Maximum: $500

Extended Health

Paramedical Practitioners:
100% coverage per treatment
($500 maximum)
Orthopedics: 80%, $200 maximum

Vision

100% coverage for a general
eye exam, $250 for prescribed lenses
and frames or contact lenses every 24
consecutive months.

Prescription Drugs
Balanced Plan
  • Most prescription drugs or medicines;
  • Insulin injectibles;
  • Insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets, subject to a maximum of $200.00 per Insured per policy year (pseudo din# 910333 must be used for all diabetic supplies);
  • Allergy serums;
  • All acne preparations including Accutane;
  • Preventative vaccines, including Hepatitis B. All immunizations and innoculations not covered under OHIP are covered by the plan, with the exception of group immunizations or innoculations;
  • IUD coverage for Mirena, Kyleena and Jaydess;
  • Oral contraceptives and injectable contraceptive Depo-Provera.
Enhanced Drug Plan
  • Most prescription drugs or medicines;
  • Insulin injectibles;
  • Insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets, subject to a maximum of $200.00 per Insured per policy year (pseudo din# 910333 must be used for all diabetic supplies);
  • Allergy serums;
  • All acne preparations including Accutane;
  • Preventative vaccines, including Hepatitis B. All immunizations and innoculations not covered under OHIP are covered by the plan, with the exception of group immunizations or innoculations;
  • IUD coverage for Mirena, Kyleena and Jaydess;
  • Oral contraceptives and injectable contraceptive Depo-Provera.
Enhanced Dental Plan
  • Most prescription drugs or medicines;
  • Insulin injectibles;
  • Insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets, subject to a maximum of $200.00 per Insured per policy year (pseudo din# 910333 must be used for all diabetic supplies);
  • Allergy serums;
  • All acne preparations including Accutane;
  • Preventative vaccines, including Hepatitis B. All immunizations and innoculations not covered under OHIP are covered by the plan, with the exception of group immunizations or innoculations;
  • IUD coverage for Mirena, Kyleena and Jaydess;
  • Oral contraceptives and injectable contraceptive Depo-Provera.
Enhanced EHC/Vision Plan
  • Most prescription drugs or medicines;
  • Insulin injectibles;
  • Insulin supplies which include syringes, needles and diagnostic test strips, including glucometers, alcohol swabs and lancets, subject to a maximum of $200.00 per Insured per policy year (pseudo din# 910333 must be used for all diabetic supplies);
  • Allergy serums;
  • All acne preparations including Accutane;
  • Preventative vaccines, including Hepatitis B. All immunizations and innoculations not covered under OHIP are covered by the plan, with the exception of group immunizations or innoculations;
  • IUD coverage for Mirena, Kyleena and Jaydess;
  • Oral contraceptives and injectable contraceptive Depo-Provera.
Dental
Balanced Plan
  • $750
  • 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.
  • 80% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 50% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy, other oral surgery is covered at 20%.
Enhanced Drug Plan
  • $500.00
  • BASIC AND PREVENTIVE 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.
  • 50% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 50% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 20%.
Enhanced Dental Plan
  • $1000.00
  • BASIC AND PREVENTIVE 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.
  • 80% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 50% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 20%.
Enhanced EHC/Vision Plan
  • $500.00
  • 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.
  • 50% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • 50% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10%.
Extended Health
Balanced Plan
  • $35 per visit to a maximum of $300.00 each policy year for each type of practitioner listed below:
  • Combined services of a clinical psychologist or speech therapist, if recommended by a physician;
  • Combined services of a naturopath or a chiropractor;
  • Combined services of a certified nutritionist or registered dietitian;
  • Services of a registered massage therapist, if recommended by a physician;
  • Services of a physiotherapist, if recommended by a physician.
  • 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 other than
  • the on-campus chiropractor are not eligible.
  • A licensed ground ambulance when used to transport an Insured because of emergency or in-patient treatment.
  • Artificial limbs – lost, repair & replacement
  • Artificial eyes - one polishing or one re-making per policy year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
  • External breast prosthesis when required to a maximum of $200.00 per individual each policy year.
  • Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. 
  • Wheelchairs, walkers, hospital beds, traction kits for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
  • Charges for oxygen, blood or blood products and the equipment required for its administration;
  • Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
  • Charges for 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
  • $20 per visit to a maximum of $250.00 each policy year for each type of practitioner listed below:
  • Combined services of a clinical psychologist or speech therapist, if recommended by a physician;
  • Combined services of a naturopath or a chiropractor;
  • Combined services of a certified nutritionist or registered dietitian;
  • 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 other than the on-campus chiropractor are not eligible.
  • A licensed ground ambulance when used to transport an Insured because of emergency or in-patient treatment.
  • Artificial limbs – lost, repair & replacement
  • Artificial eyes - one polishing or one re-making per policy year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
  • External breast prosthesis when required to a maximum of $200.00 per individual each policy year.
  • Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. 
  • Wheelchairs, walkers, hospital beds, traction kits for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
  • Charges for oxygen, blood or blood products and the equipment required for its administration;
  • Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
  • Charges for 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
  • $25 per visit to a maximum of $250.00 each policy year for each type of practitioner listed below:
  • Combined services of a clinical psychologist or speech therapist, if recommended by a physician;
  • Combined services of a naturopath or a chiropractor;
  • Combined services of a certified nutritionist or registered dietitian;
  • Services of a registered massage therapist, if recommended by a physician;
  • Services of a physiotherapist, if recommended by a physician.
  • 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 other than the on-campus chiropractor are not eligible.
  • A licensed ground ambulance when used to transport an Insured because of emergency or in-patient treatment.
  • Artificial limbs – lost, repair & replacement
  • Artificial eyes - one polishing or one re-making per policy year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
  • External breast prosthesis when required to a maximum of $200.00 per individual each policy year.
  • Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. 
  • Wheelchairs, walkers, hospital beds, traction kits for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
  • Charges for oxygen, blood or blood products and the equipment required for its administration;
  • Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
  • Charges for 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 EHC/Vision Plan
  • 100% coverage up to a maximum of $500.00 each policy year for each type of practitioner listed below:
  • Combined services of a clinical psychologist or speech therapist, if recommended by a physician;
  • Combined services of a naturopath or a chiropractor;
  • Combined services of a certified nutritionist or registered dietitian;
  • Services of a registered massage therapist, if recommended by a physician;
  • Services of a physiotherapist, if recommended by a physician.
  • 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 other than the on-campus chiropractor are not eligible.
  • A licensed ground ambulance when used to transport an Insured because of emergency or in-patient treatment.
  • Artificial limbs – lost, repair & replacement
  • Artificial eyes - one polishing or one re-making per policy year
  • Casts, splints, trusses, braces or crutches, including replacements when medically necessary;
  • External breast prosthesis when required to a maximum of $200.00 per individual each policy year.
  • Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. 
  • Wheelchairs, walkers, hospital beds, traction kits for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00.
  • OTHER ELIGIBLE EXPENSES
  • Charges for oxygen, blood or blood products and the equipment required for its administration;
  • Charges for treatment of a sickness by the use of radiotherapy or coagulotherapy;
  • Charges for 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.
Vision
Balanced Plan
  • One general eye exam every 24 consecutive months 
  • $200 maximum toward standard eye glass lenses and frames OR contact lenses every 24 consecutive months
  • $200 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced Drug Plan
  • One general eye exam every 24 consecutive months 
  • $150 maximum toward standard eye glass lenses and frames OR contact lenses every 24 consecutive months
  • $200 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced Dental Plan
  • One general eye exam every 24 consecutive months 
  • $100 maximum toward standard eye glass lenses and frames OR contact lenses every 24 consecutive months
  • $200 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Enhanced EHC/Vision Plan
  • One general eye exam every 24 consecutive months 
  • $250 maximum toward standard eye glass lenses and frames OR contact lenses every 24 consecutive months
  • $250 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Accident Benefits
Balanced Plan
  • A death occurring as a result of an accident will pay $7500.
  • Hospital charges
  • Services of a nurse
  • Services of a physiotherapist or chiropractor when recommended by a physician
  • Services of a chiropodist, podiatrist, osteopath or speech therapist
  • Transportation by an ambulance up to $1,000
  • Medical equipment
  • X-rays
  • Injury coverage to a maximum of $2,000.
  • Licensed taxi covered to a maximum of $50.
  • Training for special occupation covered to a maximum of $5000.
  • Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.
  • Tutorial services at $20/hour up to $2,000.
  • Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.
  • Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.
  • Covered to a maximum of $3000.
  • All students may obtain coverage for their spouse and dependant children. You may enroll your family using your Visa online or by certified cheque or money order through the mail.
Travel
Balanced Plan
  • services and supplies rendered by a hospital while the Insured is confirmed as a resident in-patient in standard ward or semi-private accommodation
  • services of a physician or anaesthetist
  • services of a nurse
  • diagnostic x-ray examination by a physician
  • transportation by a licensed ambulance: rental of crutches, splints, trusses or braces (excluding the expense of brace or similar device used for non-therapeutic purposes or used solely for the purpose of participating in sports or other leisure activities).
  • Lifetime Maximum: $5,000,000
  • 120 Days maximum
  • 180 Days maximum (eff. Sept 1/22)
  • For emergency assistance call 1-877-207-5018
  • Outside North America, call collect: +819-566-3940
  • 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.
Student Wellness Programs
Balanced Plan
  •  
  • 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
  •  
  • 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