There are 2 plans available for you, your spouse and your dependent children.*

Overview of your coverage options:

Coverage maximums are per insured person and per calendar year, unless otherwise stated.

Coverage options Health plan – Standard Health and Dental Plan - Enhanced

Eligible expense limits

Lifetime maximum (not applicable to emergency travel medical and dental) $250,000 $300,000

Drugs

Prescription Drugs

80% reimbursement, up to a maximum of $1,000

Coverage of reasonable and customary dispensing fees up to the coverage maximum

80% reimbursement, up to a maximum of $2,000

Coverage of reasonable and customary dispensing fees up to the coverage maximum

Drugs covered Drugs and drug supplies that must be prescribed in writing by a dentist or physician and obtained from a pharmacist Drugs and drug supplies that must be prescribed in writing by a dentist or physician and obtained from a pharmacist

Vision care

Vision Maximum $150 per each 2-year period Maximum $200 per each 2-year period
Eye examination

Up to $50 every 2 calendar years (per calendar year for dependents under age 18)

Included in the vision maximum

Up to $50 every 2 calendar years (per calendar year for dependents under age 18)

Included in the vision maximum

Paramedical services

Paramedical services

$300 per practitioner, up to a maximum of $500 for all services combined

Includes: acupuncturists, chiropodists, chiropractors, naturopaths, osteopaths, podiatrists, psychologists ($60 per visit, maximum 7 visits per calendar year), physiotherapists, registered massage therapists and speech language pathologists

$300 per practitioner, up to a maximum of $650 for all services combined

Includes: acupuncturists, chiropodists, chiropractors, naturopaths, osteopaths, podiatrists, psychologists ($60 per visit, maximum 10 visits per calendar year), physiotherapists, registered massage therapists and speech language pathologists

Hospital in Canada

Hospital

85% reimbursement

Semi-private hospital: Up to $175 per day, for a maximum of $5,000 per year

Convalescent hospital: up to $20 per day, for a maximum of 180 days per incident

85% reimbursement

Semi-private hospital: Up to $200 per day, for a maximum of $5,000 per year

Convalescent hospital: up to $20 per day, for a maximum of 180 days per incident

Medical services and equipment
Ambulance (in Canada) Unlimited ground ambulance Unlimited ground ambulance. Air ambulance to a maximum of $5,000 per incident
Private duty nursing $5,000 ($25,000 lifetime maximum) $5,000 ($25,000 lifetime maximum)
Accidental dental $5,000 lifetime maximum $5,000 lifetime maximum
Hearing aids $350 per each 5-year period $500 per each 5-year period
Best Doctors® Best Doctors will provide information about resources available within or outside of Canada, including availability, referral process and cost Best Doctors will provide information about resources available within or outside of Canada, including availability, referral process and cost
Medical services & equipment

$2,500 combined maximum for all expenses listed in this category:

  • Splints, trusses, braces or crutches: $300
  • Breast prostheses: $200
  • Orthopedic shoes, orthopedic alterations and orthotics (prescription required): $200
  • Blood glucose monitor: $250 per each 5-year period
  • Other: reasonable and customary for diagnostic services; casts; stockings; surgical brassieres; stump socks; radiotherapy or coagulotherapy; oxygen, plasma and blood transfusion; artificial limbs, eyes, and other prosthetics

The following expenses in this category are subject to the same $2,500 calendar-year limit as outlined above, but have the following lifetime maximums:

  • Wheelchairs: $4,000
  • Hospital beds: $1,500
  • Wigs (medically necessary): $350

$5,000 combined maximum for all expenses listed in this category:

  • Splints, trusses, braces or crutches: $500
  • Breast prostheses: $200
  • Orthopedic shoes, orthopedic alterations and orthotics (prescription required): $200
  • Blood glucose monitor: $300 per each 5-year period
  • Other: reasonable and customary for diagnostic services; casts; stockings; surgical brassieres; stump socks; radiotherapy or coagulotherapy; oxygen, plasma and blood transfusion; artificial limbs, eyes, and other prosthetics

The following expenses in this category are subject to the same $5,000 calendar year limit as outlined above, but have the following lifetime maximums:

  • Wheelchairs: $4,000
  • Hospital beds: $1,500
  • Wigs (medically necessary): $500

Emergency travel medical

Emergency travel medical* (out of province/country)

Up to $1 million (lifetime maximum) of emergency hospital expenses covered during the first 60 days of travel subject to a 9-month pre-existing condition limitation

Travel assistance, medical assistance, family service and support, and additional services (e.g., assistance in finding lost luggage) for situations arising from a medical emergency

This coverage terminates when you reach age 80

Up to $1 million (lifetime maximum) of emergency hospital expenses covered during the first 60 days of travel subject to a 9-month pre-existing condition limitation

Travel assistance, medical assistance, family service and support, and additional services (e.g., assistance in finding lost luggage) for situations arising from a medical emergency

This coverage terminates when you reach age 80

Dental Care

Dental coverage (Note that a 1-year waiting period applies to restorative dental care.) Not covered

80% reimbursement for diagnostic and preventative dental procedures: oral examinations, recall procedures, (every 9 months) scaling and root planning, routine extractions and for children under age 12, space maintainers

50% reimbursement for restorative dental care: endodontics (root canal) and periodontics, crowns (and repairs), onlays, restorations, dentures (and repairs/adjustments), bridgework, surgical services, major oral surgery and anaesthesia, drug injections, lab procedures

Maximum of $750 for all eligible dental services in the first calendar year of coverage; combined maximum of $1,000 per calendar year in subsequent years

Footnotes