Student Medical Insurance - Travel Underwriters

Student Medical Insurance : / Manulife Financial / Travel Underwriters / T.I.C / Group Medical Services /

Travel Underwriters

Student Medical Insurance

This insurance provides coverage for :

► International Students enrolled in a school in Canada ( students in Canada) and

► Canadian students enrolled in a school outside of Canada.

Policy Booklet

Rates

Application

What coverage will you have?

Key Benefits	Maximum Limit
Maximum liability	$2,000,000
Emergency medical treatment	• Emergency medical treatment for sickness or injury whether in-patient or out-patient care • Services of physician, surgeon, anaesthetist, registered graduate nurse • Up to $15,000 for private duty nursing • X-rays and laboratory services • Rental of medical appliances
Non-emergency medical treatment	Up to $3,000
Ambulance	Including mountain and sea rescue. Taxi expenses up to $125 in lieu of ambulance
Prescription drugs	Limit of a 30-day supply, up to $10,000
Eye examination	One visit per 12 months period
Annual physician visit	Up to $150 for one check-up or one consultation session and prescription of the 'morning after pill’ per 12 months period (if 365 days are purchased)
Emergency air transportation	Up to Policy limit
Maternity	Up to $25,000 if pregnancy commenced during period of coverage
Dental	• Up to $5,000 for accident • Up to $600 for dental pain • Up to $150 for impacted wisdom tooth
Professional medical services	Up to $600 per practitioner for visits to licensed physiotherapist, chiropractor, chiropodist, osteopath, acupuncturist, speech therapist, naturopath, or podiatrist. Referral needed for acupuncturist and naturopath
Psychological/Psychiatric	• Up to $1,000 for visits to a physician, psychiatrist or psychologist • Up to $10,000 for hospitalization
Repatriation	• Up to $15,000 for repatriation
Family transportation	Up to $5,000 for transportation costs and up to $1,500 for meals and accommodation in the event of your hospitalization
Accidental Death and Dismemberment	$10,000 Optional limits available: • Air flight/common carrier - $100,000 • 24-hour Accident - $25,000
Key Features
Travel worldwide	Travel worldwide is valid as long as majority of time is spent in country of study. No coverage provided while in home country
Pre-existing conditions	Covered if stable in the 90 days prior to the effective date
Exclusions	• Medical treatment or medical condition originating in your home country • Long term care or ongoing care • Refer to policy wording for complete list of all exclusions
Refund	• Full refund if prior to the effective date/if student visa is denied/if entry into country is denied/if non arrival to country of study • Partial refunds are also available – consult the policy wording for full details
Claims procedure	Consult the claim guideline in your policy wording. Travel Underwriters’ emergency assistance and claims administration partner is OneWorld Assist. Please visit OneWorld Assist website. In the event of hospitalization, call OneWorld Assist immediately
This information is for illustration only. Please refer to the policy document for the complete terms, benefits, conditions and exclusions

Eligibility Requirements

International Students in Canada

Outbound students studying outside of Canada

1. Applicant is 69 years of age and under at the time of application date of the policy.
2. Applicant must be a student enrolled in a school within Canada;
or,
Applicant must be an accompanying family member of the student residing in Canada.
3. Applicant must not be insured under a provincial or territorial government health care plan. If the applicant becomes eligible for and insured under the government health care plan of the province or territory in which they study, the Insurance will then apply in excess of this provincial or territorial government health care plan.
4. Applicant must not be travelling against a physician’s advice and have not been diagnosed with a terminal condition.

1. Applicant must be 40 years and under at the time of application date of the Policy
2. Applicant must be a student enrolled in a school outside of Canada;
or,
Applicant must be an accompanying family member of the student studying abroad.
3. Applicant must be insured or eligible for benefits under the government health care plan of the province or territory in which they reside. If the applicant is not insured under the government health care plan in the province or territory in which they reside, the portion that would have been refunded by the provincial or territorial government health care plan is not a benefit of this Insurance.
4. Applicant must not be travelling against a physician’s advice and have not been diagnosed with a terminal condition.

Rates

International Students in Canada

Outbound students studying outside of Canada

Age	Rates
Single 0-69 yrs	$1.72/ day
Family 0-59 yrs	$1.72/day per person in the family

Age	Rates
Single 0-40 yrs	$1.72/ day
Family 0-40 yrs	$1.72/day per person in the family

• Minimum – 10 days
• Maximum – 365 days (or 366 days for leap years)

• For Family definition, see Policy wording, General Procedures. Minimum of 2 applicants required to be eligible for Family plan.

• Rates are subject to change without notice

For more information, free consultation and to purchase the policy please call at

416-493-0101, 416-458-4577, 1-877-443-0101

If you have any questions or concerns feel free