Key Benefits

Maximum Limit

Sum Insured $2 million

Includes coverage outside of province/Canada

HOSPITAL& MEDICAL

   Up to sum insured

• Physician/Surgeon/Anaesthestist/Registered nurse

• Diagnostics/lab tests and x-ray examinations

• Licensed local land or sea ambulance to the nearest hospital.

• Rental of medical equipment or appliances

• Blood and blood plasma, except when donated

• Professional Services $600 per practitioner/year include: legally licensed physiotherapist, chiropractor, chiropodist, osteopath or podiatrist

PRESCRIPTION DRUGS

Drugs or Medications up to a one-month supply

DENTAL

ACCIDENTAL DENTAL

Treatment or services to whole or sound natural teeth which are damaged as a result of an accidental blow to the face – up to $5,000.

WISDOM TEETH

Extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures.

DENTAL EMERGENCIES

Treatment for the immediate relief of acute dental pain caused by other than a blow to the face, up to $500

EYE EXAMINATION

1 visit to optometrist per 12 month period of coverage

PHYSICAL EXAMINATION

Up to a maximum of $250

EMERGENCY AIR TRANSPORTATION / RETURN HOME

Up to overall maximum

FOLLOW-UP VISITS

When approved by TIC and required as a result of a covered emergency sickness or injury, up to $3,000 will be paid for out-patient follow-up visits.

TRANSPORTATION OF FAMILY MEMBER OR FRIEND

Up to $5,000

ACCIDENTAL DEATH & DISMEMBERMENT

The insurer agrees to pay up to the sum insured of $15,000, for loss of life, limb or sight resulting directly from accidental injury occurring during the period of coverage, except while boarding, riding or alighting from an aircraft.

See the policy document for the schedule of coverage.

MATERNITY BENEFIT

Standard Plan

Up to $1,000, for the following, as the result of your pregnancy, miscarriage, or complications related thereto:
a) hospital accommodation at the daily public or standard ward rate; and
b) services or treatment by a physician.
No benefits will be payable for expenses incurred for childbirth,
voluntary termination of pregnancy or for any expenses incurred in the 8 weeks prior to the expected delivery date or after the expected delivery date.

Enhanced plan

The Maternity Benefit as outlined above is increased to a maximum of $10,000, and includes:
a) expenses incurred as a result of childbirth; and
b) pre-natal and post natal care including routine new-born nursing care.

PSYCHOLOGIST AND PSYCHIATRIC CARE

Available with Enhanced plan only

• inpatient up to $10,000

• outpatient psychological consultation, up to a maximum
of $1,000 in any 12 consecutive month period.

Key Features

Travel worldwide

Up to the sum insured, for acute emergency sickness or injury incurred during the period of coverage while you are travelling outside of Canada, other than your country of origin, provided you spend at least 51% of the period of coverage within Canada. Trips to the United States are limited to 30 days.

Pre-existing medical conditions

Enhanced Plan only:

Covered provided the condition was stable in the 90 days immediately before the effective date of the policy.

Claims procedure

You must call TIC emergency assistance prior to any surgery being performed or within 24 hours of admission to hospital. Failure to do so without reasonable cause, will reduce eligible expenses by 20%.

Please find TIC Emergency Assistance phone numbers in the policy wording, confirmation of coverage and ID cards.

   Claim form

Consult the claim guideline in your policy wording.