Catastrophic
Accident Life Insurance /AD & D
Hospital Basic
- Semi-private hospital room
- 100% for first 30 days (up to $150 every day) and 50% for next 100 days (up to $75 every day)
- $25 every day starting on day 4 if semi-private room not available (up to $750)
- Medical questionnaire required, at time of application
The amount reimbursed every day is calculated based on the reasonable and customary provincial room rate.
Vision Care
For Vision Care and Hearing Aid benefits, one year is defined as a Benefit Year (the 12 consecutive months following the incurred date of the claim). For all other benefits, one year is defined as an Anniversary Year (the 12 consecutive months following the Effective Date of the Policy and every 12-month period thereafter).
Benefits are for each person every year unless otherwise noted.
Hospital Enhanced
- Semi-private or private hospital room
- 100% for every day in hospital (up to $200 every day)
- $50 every day starting on day 4 if semi-private or private room not available (up to $3,000)
- Medical questionnaire required, at time of application
Catastrophic $4,500 Stand-Alone Plan
- Covers all drug costs after you pay $4,500 in a year.
- Covers an extra $25,000 for homecare and nursing, prosthetic appliances and durable medical equipment after you pay $7,500 in a year (up to $100,000 over lifetime)
- Covers unlimited chiropractor and physiotherapist costs for one year after an accident requiring at least 24 hours in hospital.
- Medical questionnaire required.
- We pay all catastrophic coverage benefits at the reasonable and customary level, and co-ordinate them with any other health plan coverage you have. Once your application is approved, your coverage continues as long as you pay your premiums, regardless of age or any future changes in your health.
Catastrophic $10,200 Stand-Alone Plan
- Covers all drug costs after you pay $10,200 in a year.
- Covers an extra $25,000 for homecare and nursing, prosthetic appliances and durable medical equipment after you pay $7,500 in a year (up to $100,000 over lifetime)
- Covers unlimited chiropractor and physiotherapist costs for one year after an accident requiring at least 24 hours in hospital.
- Medical questionnaire required, at time of application.
We pay all catastrophic coverage benefits at the reasonable and customary level, and co-ordinate them with any other health plan coverage you have. Once your application is approved, your coverage continues as long as you pay your premiums, regardless of age or any future changes in your health
