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Health and Dental Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans $3,000 maximum Coverage Details:
Drugs Covered:
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Health and Dental Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans 100% of all eligible vision care claims are covered
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80% co-insurance
$8 Dispensing fee max
Maximum: $3,000
Basic and Preventative: 100%
Minor Restorative: 75%
Extractions (limit 2 wisdom teeth): 75%
Major Restorative: 10%
Maximum: $500
Paramedical Practitioners:
80%, $30per treatment ($300 maximum)
Orthopedics: 80%, $200 maximum
100% coverage for a general
eye exam, $50 for prescribed lenses
and frames or contact lenses every 24
consecutive months.
- $3,000 maximum
- Coverage Details:
- 80% coverage
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs and medicines
- Preventative vaccines
- Oral contraceptives, the contraceptive patch (birth control) & Iud's (Iud's eff Sept 1/19)
- Nuva Ring (contraceptive), to a maximum of $178.00 per policy year
- All acne preparations excluding Accutane
- Insulin supplies under pseudo din #910333 ($400 maximum)
- Zyban, to a lifetime maximum of $500.00
- $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. (additional coverage provided at a network dentist)
- Extractions and Oral Surgery
- 75% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, (additional coverage provided at a network dentist) other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Restorative are covered at 10%. (additional coverage provided at a network dentist)
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All benefits are covered at 80%
- Paramedical Practitioners
- Maximum of $30per treatment ($300 maximum) each policy year for each type of practitioner listed below:
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician (including RSW and MSW social workers)
- Combined services of a naturopath and/or a chiropractor
- Services of a registered massage therapist; if recommended by a physician
- Services of a physiotherapist, if recommended by a physician
- Combined services of a dietician and/or nutritionist
- Services of an acupuncturist: Practitioners must be registered with: Transitional Council of the College of Traditional Chinese Medicine Practitioners and Acupuncturists of Ontario
- Services of a Osteopath
- 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
- Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Breathing Equipment
- Continuous positive airway pressure (CPAP), Variable Positive Airway Pressure (VPAP) and Automatically-adjusting Positive Airway Pressure (APAP) machines are covered to a combined maximum of $1,250.00 per person per lifetime;
- Continuous positive airway pressure (CPAP), Variable Positive Airway Pressure (VPAP) and Automatically-adjusting Positive Airway Pressure (APAP) supplies are covered to a combined maximum of $500.00 per person per policy year.
- 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.
- 100% of all eligible vision care claims are covered
- One general eye exam every 24 consecutive months.
- $50 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months
- $125.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
- Life Insurance
- A death occurring as a result of an accident will pay $10,000.
- Accidental Medical Expense
- Hospital charges
- Services of a nurse
- Services of a physiotherapist or chiropractor when recommended by a physician
- Services of a chiropodist, podiatrist, osteopath or speech therapist
- Transportation by an ambulance up to $1,000
- Medical equipment
- X-rays
- Accidental Dental Expense
- Injury coverage to a maximum of $2,000.
- Emergency Taxi
- Licensed taxi covered to a maximum of $50.
- Rehabilitation
- Training for special occupation covered to a maximum of $5000.
- Repatriation
- Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.
- Tutorial
- Tutorial services at $20/hour up to $2,000.
- Eyeglasses & Contact Lenses
- Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.
- Home Modification & Vehicle Modification
- Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.
- Hearing Aids
- Covered to a maximum of $3000.
- Family Benefits
- All students may obtain coverage for their spouse and dependant children. You may enroll your family using your Visa online or by certified cheque or money order through the mail.
- Students must have received treatment from a qualified physician/dentist within 30 days from the date of an accident.
- Completed claim form must be filed directly to Industrial Alliance Insurance and Financial Services Inc. within 90 days from the date of the accident, and no later than 1 year.
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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.