Deductible options must be selected prior to the
effective date of the policy. Deductible amount
can not be amended mid-term. All Insureds on the
policy must have the same
deductible option. The deductible only applies
to the Emergency Hospital/Medical Coverage of the policy.
WAITING PERIOD
If insurance was purchased prior to arrival date
in Canada the “Waiting Period” does not apply.
If purchased after arrival date in Canada,
coverage is subject to “Waiting Period” requirements as
indicated.
“Waiting Period” means a) if this policy was
purchased within 60 days after your arrival in Canada, then in
respect of any
sickness you will only be entitled to receive
benefits for the cost of eligible medical expenses incurred
after the first 48 hours from the effective
date of this policy; or, b) if this policy was
purchased 61 days or more after your arrival in Canada then in
respect of
any sickness you will only be entitled to
receive benefits for the cost of eligible medical expenses
incurred after seven (7) days from the effective date of this policy.
If the applicant has seen a Doctor since entering Canada, please
contact our office.
PRE-EXISTING CONDITION COVERAGE
For persons 69 years and under, pre-existing
conditions are covered if stable in the 120 days prior to the
effective date of this policy.
For persons 70 to 79 years, pre-existing
conditions are not covered; however coverage for pre-existing
conditions can be purchased. See subheading optional
pre-existing conditions coverage rider for
details. For persons 80 to 89 years, pre-existing conditions are
not covered.
Optional pre-existing conditions coverage rider
for persons 70-79 years The applicant can purchase an additional
optional
coverage to cover pre-existing conditions
provided they were stable in the 120 days prior to the effective
date of the policy. A 25% surcharge will apply.
MINIMUM PREMIUM
The total premium per policy must be $15
