T.I.C. Travel Insurance Coordinators
GLOBAL EXPATRIATE HOSPITAL& MEDICAL INSURANCE
⇛
BASIC PLAN OPTIONS
1. coverage worldwide excluding the U.S.A.
2. coverage worldwide.
⇛
SELECT PLAN OPTIONS
1. coverage worldwide excluding the U.S.A.
2. coverage worldwide.
Pre-Existing Condition - Important!
Who is
eligible for this insurance?
Coverage is available for 15 days and more to persons
who are not eligible for benefits under a Canadian
government health insurance plan. Such persons must be
either:
• a Canadian citizen residing outside of Canada, or
• a Canadian citizen returning to reside in Canada and
awaiting coverage under a government health insurance
plan; or
• a non-Canadian citizen residing in Canada and
requiring coverage in Canada; or
• a non-Canadian citizen residing outside of his/her
country of citizenship while employed by a Canadian
company and requiring coverage in the country of
residence.
Will this cover me no matter where in the world I am?
This plan is designed so you can choose the coverage that suits you best – worldwide or worldwide excluding the U.S.A. You are covered for acute emergency sickness or injury on trips through the U.S.A. up to 5 days in duration.
What does Global Expatriate Hospital&Medical insurance cover?
Here are some of the benefits Global Expatriate Hospital&Medical insurance you receive:
Basic Plans
◊
Emergency Hospital & Medical:
Semi-private hospital accommodation and
reasonable and customary services and supplies necessary
during confinement as a resident in-patient.
◊
Medical:
Services of a
legally licensed physician, surgeon, anaesthetist or
registered graduate nurse, diagnostics, lab-tests and/or
x-ray examinations, services of a physiotherapist, doctor of
chiropractic or podiatrist/osteopath up to a maximum of
$1,000; air, land or sea ambulance; prescription drugs or
medications.
◊
Return of deceased
◊
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 $3,000.
◊ Dental
Emergency:
Treatment
for the immediate relief of acute dental pain caused by
other than a blow to the face, up to $500.
◊
Dentist (in
hospital):
Dental surgical
procedures which are medically required to be performed in a
hospital. Up to $500.
◊
Act of
Terrorism: If you sustain a loss from an act of
terrorism that is otherwise covered under this plan, we will
pay up to an aggregate limit of $2.5 million for one or a
series of such acts and up to $5 million for all such acts
in a calendar year.
◊
Emergency Transportation:
Transport to
country of origin when necessary continuing medical care is
required and is not covered under this policy.
◊
Return Home:
Transport to country of origin if the insured is permanently
unable to perform basic activities of daily life as the
result of a covered sickness or injury or if the insured
requires long-term chronic care.
◊
Physical
Examination:
One routine annual examination by a
physician up to a maximum of $200.
◊
Eye Examination:
One routine annual examination by an optometrist.
◊
Maternity
Benefit:
When the expected
delivery date is more than 10 months after the effective
date of the policy: 80% of the costs
Extra Benefits for Select Plans:
◊ Accidental
Death&Dismemberment
: Up to $10,000, for loss of life, limb or
sight resulting directly from accidental injury
occurring during the period of coverage. See policy for
schedule.
◊ Transportation
of Family or Friend:
Up to $3,000 for round-trip economy class and up to
$1,000 for reasonable costs if a family member or close
friend is required to attend on the insured when
hospitalized.
◊
Attendant: Up to $500 for an attendant to
care for children or other family members who rely on
the insured for assistance if the insured is
hospitalized.
◊
Vaccinations: Necessary vaccinations up to $100
annually.
Coverage for Pre-existing Medical Conditions
Basic and Select Plans
Benefits are not payable for costs incurred due to:
1. Any sickness, injury or medical condition that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, prescription medication, medical treatment or hospitalization prior to the effective date.
2 . Any sickness for which symptoms occurred within 48
hours of the effective date, except when the application
for this insurance is completed:
a) prior to the insured leaving the country of origin;
or
b) before the expiry date of an existing TIC Global
Expatriate Policy.
3. Any sickness, injury or medical condition for
which a diagnosis need not have been made or state of
health which, prior to the effective date was such as to
render expected medical treatment or hospitalization.
How to make a
claim?
Fill out the Claim Form completely and include all original
bills or start a claim online at our website:
www.travelinsurance.ca
. Read the ‘Claims Procedure’ in the policy booklet.
What if I have
an emergency ?
You must notify TIC Emergency Assistance prior to any medical consultation or any surgery being
performed, or within 24 hours of admission to a hospital.
Failure to do so, without reasonable cause, will result in the
reduction of eligible benefit amounts payable by 20%.
This a summary of coverage. For the full details of coverage, eligibility and claims procedures please refer to the Policy wording.
Please call at 416-493-0101 (1-877-443-0101) for details, consultation and to purchase the policy.