Plan Info 21st Century
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $10,000, $25,000, $50,000, $100,000, $150,000, or $300,000 per person per policy. Extra Injury Coverage: If you purchase $100,000 or more, an additional $50,000 is available for injury (see policy for details). |
| Emergency Hospital |
| Semi-private room (or intensive care when medically necessary); hospital services and supplies necessary for care of a medical emergency during hospitalization. |
| Emergency Medical |
| Medical care from a physician in or out of a hospital; tests needed to diagnose condition; emergency medical attention in/out of hospital. |
| Drugs or Medications |
| Prescription medications up to $500 (not exceeding a 30-day supply when prescribed on an outpatient basis). Not covered: medications that can be purchased without a prescription. |
| Professional Service |
| Services by a health-care practitioner (acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist) up to a combined total of $1,000 per covered emergency with prior written referral from a physician. |
| Emergency Air Transportation / Return Home |
| Air ambulance, stretcher fare on a commercial flight, return economy fare for a qualified medical attendant, or extra economy fare for you (and, if needed, for one accompanying family member), when medically necessary and pre-approved/arranged by Assistance Centre. |
| Transportation of Family |
| Coverage for return of dependent children if you are hospitalized; also, if required, a medical attendant for return to country of origin or destination (must be pre-approved). |
| Follow-up Visits |
| Coverage for follow-up appointments is not specified as a separate benefit; continuing treatment/recurrence of condition after the Assistance Centre determines your emergency has ended is not covered (see “Continuing Treatment” section). |
| Accidental Dental |
| Up to $4,000 for treatment to natural teeth and repairs to dentures or dental devices if caused by a direct unintended blow to your face. |
| Dental Emergencies |
| Up to $300 for immediate relief of acute dental pain not caused by a direct blow to the face (must not have previously received treatment or advice for this issue). |
| Meals and Accommodation |
| Not specifically listed as a separate benefit; may be included under out-of-pocket expenses for family member’s costs in hospital situations (see extra benefits below). |
| Emergency Return Home |
| If you must return to your country of origin due to medical emergency, payment for the extra cost of an economy class fare, stretcher, or air ambulance, including return fare for a medical attendant if medically necessary and approved by Assistance Centre. |
| Return of Deceased |
| Up to $7,500 for preparation and transportation of remains or up to $7,500 for cremation/burial at place of death (not including casket, urn, or grave marker, flowers, ceremony, or reception). |
| Accidental Death & Dismemberment |
| Up to $25,000 for death, permanent blindness (both eyes), or loss of two limbs. Up to $12,500 for blindness in one eye or loss of one limb. (Accidental death & dismemberment is in excess of the policy limit.) |
| Flight Accident |
| - |
| Side-trip outside Canada |
| Covered for side-trips outside Canada up to a total of 30 days during a 365-day policy, provided no travel to country of origin, and at least 51% of the policy duration is in Canada. Coverage suspended during any trip that exceeds permitted duration, resumes upon return to Canada. |
| Coverage for pre-existing medical conditions |
| Enhanced Plan: coverage for stable pre-existing conditions only (see definitions: “stable” means no change, new symptoms, or physician advice for change for 180 days before effective date). Standard Plan: no coverage for any pre-existing conditions. |
| Waiting period for sickness |
| If purchased after arrival, a waiting period applies: 72 hours if bought within first 30 days of arrival, or 7 days if more than 30 days after arrival. Sickness that manifests during waiting period is not covered, even if expenses occur later. Waiting period waived if bought before arrival, or if replacing an existing policy with no lapse and no increase in limit or decrease in deductible. |
| Medical Concierge Services (StandbyMD) | | 24/7 access to telephone or video chat with a qualified physician, physician house calls (where available), care coordination, delivery of lost/found prescription medications, and network clinics worldwide. | | Automatic Extension | | Coverage automatically extended for up to 72 hours if your return is delayed by a common carrier or if you are hospitalized on your policy expiry date (extension for hospitalization can last up to 365 days or until you are stable for discharge or evacuation). Up to 5-day extension if you have a medical emergency in last 5 days of policy that prevents travel, as confirmed by a physician. | | Assistance Centre | | 24/7 multilingual emergency assistance for medical referral, travel information, help with lost/stolen baggage, emergency cash, travel advisories, weather, embassy/consulate, and more. | | Extra Injury Coverage | | If you purchased $100,000 or more in policy limit, an additional $50,000 of coverage for injuries is included (does not apply to sickness claims). |
• Age (on start date) – up to 85 for Standard and Enhanced Plans (No age limit for Basic Plan)
• Period – 365 days (730 days for Monthly Payment Plan). Extensions are available
• Deductible: $0; $100; $250; $500; $1,000; $5,000 and $10,000 per period
• The $2,500 “disappearing” deductible applies to each sickness-related claim (per claim)
• Waiting Period for Illness:
– 0 days if purchased before arrival in Canada
– 72 hours if purchase within 30 days after arrival
– 7 days waiting for sickness after 30 days
– 15 days for age 86 or older and purchased after arrival
– No waiting for accidental body injury
Pre-existing medical conditions – 180-day look back period