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Manulife Financial Medical Insurance for Students
Who is this insurance designed for? This insurance policy is designed for Full-Time Students including: ● International (foreign) Students studying in Canada - Inbound students ● Canadian Students studying abroad - Outbound students (see Eligibility) ● Canadian Students studying in Canada but outside their principle province of residence - National students
Who can apply?
To be eligible for insurance under this
policy, you must be:
Eligibility
You are not eligible for any coverage
under this policy if your trip is booked and undertaken:
Period of Coverage Your coverage starts on the later of: the effective date shown on your confirmation; or for an inbound trip, the date and time of your arrival in Canada; for an outbound trip, the date and time you leave Canada; or for a national student, the date and time you leave your home. A waiting period will apply if you purchase this coverage after your arrival at your destination. Your coverage ends on the earliest of: the expiry date shown on your confirmation; or no more than sixty (60) days after the date your enrolment as a student at a recognized educational institute terminates unless you are in the U.S.A. holding a valid F1 visa; or if you are a Canadian, the date you are no longer covered by a government health insurance plan; or if you have purchased inbound coverage, - the date you become insured under a government health insurance plan; or - sixteen (16) days from the date you leave Canada to visit another country or when you exceed 49% of your period of coverage while visiting another country (except your home country). Coverage may be reinstated on the date you return to Canada with the approval of our Assistance Centre and if you can provide a statement of good health; or the date you cease to be a spouse or dependant as defined in this policy; or 365 days after the effective date of your policy; or the date you return home.
Age. You must be under the age of 45.
Family coverage is available to you, your spouse and dependent child(ren) who are travelling with you, who are listed on your application, and who are under age 45 if you have applied and paid for family coverage.
Waiting period Any sickness that manifests itself during "waiting period" is not covered. Waiting period is the 48-hour period following your effective date of insurance if you purchased this policy after the expiry date of your existing Manulife policy or after you leave home. Any claim due to sickness arising during a waiting period is not covered. No waiting period for injuries.
Trip Break - up to twenty-one (21) consecutive days. You have to call the Assistance Centre for approval: your coverage will be suspended, but will not terminate, while you are home. There will be no refund of premium for any number of days that you have return home.
What is covered outside Canada?
Outbound students:
Inbound Students (International
students in Canada):
Refunds Full refunds must be requested in writing before coverage commences. Partial refunds must be requested before coverage expires. No refunds are available, if claim has been or will be submitted.
To stay longer than planned You may be able to extend your coverage as long as:
1. your period of coverage does not
extend beyond 365 days; NOTE: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.
SUMMARY OF BENEFITS *
This insurance provides up to a maximum aggregate of $2
million per policy for emergency medical and non-medical coverage for covered risks.
Emergency Medical Benefits
Emergency means a sudden and unforeseen
occurrence of an illness or injury that
begins during the period of coverage and
requires immediate medical attention. ●
Hospital expenses up to the maximum aggregate for
- 60 days hospitalization for injury or illness
- 30 days hospitalization for psychiatric care
- Out-patient and emergency department services
●
Physician services plus up to 5 follow-up visits
●
Diagnostic services
●
Private duty nurse up to $10,000
●
Ambulance transportation up to $5,000
●
Prescription drugs up to 30 days supply
●
Paramedical services - up to $300 per profession
●
Emergency dental treatment
- accidental injury up to $2,500
- relief of pain up to $100
- per extracted wisdom tooth up to $250
●
Psychiatric care up to $5,000
● Trauma counseling up to 6 sessions
● Medical appliances
● Emergency evacuation up to $100,000
●
Family transportation to bedside up to $4,500
●
Repatriation of mortal remains - up to $25,000
●
Tuition reimbursement up to $5,000
●
Trip break up to 21 consecutive days without termination of coverage
* Please note: For Canadians travelling abroad,
if the claim is a result of an act of terrorism, this benefit may be limited
Non-Emergency Medical Benefits (Wellness Benefits)
●
Annual medical examination up to $100 (if 365 days are purchased)
●
Annual eye examination (if 365 days are purchased)
Accidental death or
dismemberment Insurance
up to $10,000
Exclusions and Limitations
Student medical insurance does not cover everything.
This insurance has exclusions, conditions and limitations.
Please read them and understand the policy before you buy this insurance.
A Pre-Existing
Medical Condition
exclusion may apply to a medical condition and/or symptoms that existed
prior to your trip. This policy will not pay any
expenses or benefits relating to:
STABLE means a medical condition when all of the following statements are true:
there has not been any new treatment prescribed or recommended,
or change(s) to existing treatment (including a stoppage in treatment, and
there has not been any change in medication, or any
recommendation or starting of a new prescription drug, and
the medical condition has not become worse, and
there has not been any new, more frequent or more severe symptoms, and
there has been no hospitalization or referral to a specialist, and
there have not been any tests, investigation or treatment recommended,
but not yet complete, nor any outstanding test results, and
there is no planned or pending treatment.
Other exclusions:
This policy will not pay any expenses or benefits relating directly or indirectly to:
Any expense if you are either on an outbound trip or a national
student without a valid government health insurance plan.
A medical condition when you knew, or for which it was reasonable to expect,
before you left your home, or before the effective date of coverage, that
you would need or be required to seek treatment for that medical condition.
Any emergency medical and non-emergency medical
services for any injury that occurred or illness
that started in your home country during
a Trip Break.
Pregnancy, voluntary termination of pregnancy, childbirth or their complications.
!!! If you are Canadian, any act of terrorism or any medical condition
you suffer or contract when an official travel advisory issued by
the Canadian government states, "Avoid all non-essential travel"
or "Avoid all travel" regarding the country, region or city of
your destination, before you left Canada. To view the travel advisories,
visit the Government of Canada Travel site.
This exclusion does not apply to claims for an emergency or
a medical condition unrelated to the travel advisory.
Refer to
the
Policy
Wording for the complete list of
exclusions (pg. 7-8).
The
product-related information is for illustration
purposes only. For complete benefits, terms, conditions,
limitations and exclusions, please refer the
Policy Wording
What
to do if you got sick or injured
Have your policy
confirmation with you at all times. You can find the emergency phone numbers
on your your policy confirmation.
In the event of sickness or injury which may
result in claim, call the Assistance Centre
immediately:
1 877 331-3134 toll-free from the USA and Canada
+1
(519) 251-7401 collect to Canada from anywhere else in the
world.
The Assistance Centre is there to assist you 24 hours a
day, each day of the year.
When contacting the Assistance
Centre, please provide your name, your policy number,
your location and the nature of your emergency.
Please note that if
you do not call the Assistance Centre in an emergency and prior
to any treatment, you may pay 20% of the
eligible medical expenses the company would normally pay under
this policy. If it is medically impossible for you to call when
the emergency happens, the company asks that you call as soon as
you can or that someone calls on your behalf.
To apply for benefits
under this policy, you will need to send a completed claim form
(with all original bills attached) to Manulife Financial. Consult the
claim guideline in your Policy
Wording (pg. 8 - 9)
For a Single Applicant : The premium
rate of $2.70 is applicable to each day of
coverage.
For National Students studying in another province or territory in Canada, the
rate will be 50% less than the rate for a single
applicant.
For Family Coverage
The rate is two times the Single applicants rate.
NOTE: All applicants must be under the age of 45.
Coverage must not exceed 365 days.
- Rates are subject to change without notice.
- Number of coverage days must include: the date of
departure, the date of return, and the number of days in
between.
For more information, free consultation and
to purchase a policy please call at
416-493-0101,
1-877-443-0101
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