Home   Contact us      1-877-443-0101

Insurance :  Life  |  Mortgage Protection  |  Critical Illness   |  Disability   |  Health & Dental Benefits  |  Group Benefits for Small Businesses

Visitors to Canada | Super Visa  | Travel Insurance for Canadians | Snowbirds & Seniors  | International Student | Canadian Student-Study Abroad

 
 

Manulife Student

 

TuGo Student

 

Allianz: Study in Canada

 

RSA: Study in Canada

 

Destination Student

 

 

Allianz Global Assistance

 

INTERNATIONAL STUDENTS TO CANADA

 

Apply Online

 

Who can apply? A very good health insurance coverage if  you are an international student who:

Is registered full-time in a Canadian school, college, university or accredited educational institution.

Is a temporary resident of Canada without any government health care coverage.

Has completed your studies and remains up to a year in Canada to work in the field of your studies.

Would like coverage under your policy for dependents living with you.

 Policy Wording

 Key Features

 Summary of Medical Coverage

 Pre-Existing Medical Condition &

    other Exclusions

 Rates

 

 What to do if you get sick or injured

For assistance and to buy insurance, please call at  416-493-0101,

1-877-443-0101

or Ask your question ONLINE

Important Notice regarding claim procedure !

You must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any medical consultation or surgery is performed. Failure to do so without reasonable cause, will reduce the benefits payable to you under this policy by 20%. You can find Allianz Emergency Assistance phone numbers on your policy confirmation and the Policy Wording  (pg. 12).

 

WHAT COVERAGE WILL YOU HAVE ?

Who is eligible for this insurance?

To be eligible for this medial insurance a person must:
a) be a student; or

b) be a dependent child or the spouse of an eligible student; and
c)
as of the effective date, be less than 60 years of age; and
d)
not be insured or eligible for benefits under a Canadian government health insurance plan; and

e) be in good health at the time you purchase your policy and on the date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.

 

Waiting period
Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:
a) after your arrival date in Canada; or
b) after the expiry date of an existing Allianz Global Assistance policy.
Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.

 

Traveling outside Canada.

The policy  pays for eligible costs incurred, up to the sum insured, while you are traveling outside of Canada, other than your country of origin, provided the majority of the period of coverage is spent within Canada. Trips to the United States are limited to 30 days.

 

Refunds are payable when:
1. The student fails to meet visa entry eligibility requirements.
2. The insured person permanently returns to his/her country of origin, 30 days or more prior to the expiry date of coverage.

3. The insured person becomes covered under a provincial or territorial health/medical plan.

No refunds are available, if claim has been or will be submitted.

 

To stay longer than planned.

If you decide to extend your trip, you may apply for a new period of coverage provide you meet the Eligibility requirements of the new policy. If you have incurred a claim, the company will review your file before deciding on granting an extension. Each policy or term of coverage is considered a separate contract.

 

Summary of benefits

Key Benefits

Maximum Limit

Sum Insured $2 million

Includes coverage outside of province/Canada

EMERGENCY MEDICAL

Physician, Surgeon, Anaesthetist

Additional follow-up visits related to the emergency

Diagnostics/lab tests and x-ray examinations

Up to an aggregated limit of $10,000, for

   - Licensed local land or sea ambulance to the nearest hospital

   - Private duty services of a registered nurse

   - Rental of medical equipment or appliances

   - Blood and blood plasma, except when donated

Professional Services $600 per practitioner/year include: legally licensed physiotherapist, chiropractor, podiatrist/chiropodist, osteopath, naturopath, acupuncturist.

Emergency out-patient services provided by a hospital

PRESCRIPTION DRUGS

Drugs or Medications up to a 30-day supply

DENTAL

ACCIDENTAL DENTAL

Treatment or services to whole or sound natural teeth which are damaged as a result of an accidental blow to the face up to $5,000.

WISDOM TEETH

Extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures.

DENTAL EMERGENCIES

Treatment for the immediate relief of acute dental pain caused by other than a blow to the face, up to $600

EYE EXAMINATION

1 visit to optometrist (when a minimum of 12 months consecutive coverage has been purchased)

PHYSICAL EXAMINATION

Up to a maximum of $250 (when a minimum of 12 months consecutive coverage has been purchased)

EMERGENCY AIR TRANSPORTATION / RETURN HOME

Up to overall maximum

RETURN OF DECESED (REPATRIATION)

Up to $15,000 for return of deceased and up to $5,000 for cremation at place of death.

TRANSPORTATION OF FAMILY MEMBER OR FRIEND

Up to $5,000

MATERNITY BENEFIT

Standard Plan

 

Up to $1,000, for pre-natal care, miscarriage, or related complications.
No benefits will be payable for expenses incurred for childbirth.
The expected delivery date must be more than 10 months after the effective date of the initial policy purchased.

MATERNITY BENEFIT
Enhanced plan

Up to $10,000, for :
a) pre-natal care, childbirth or miscarriage, or related complications; and
b) routine new-born nursing care
up to 14 days following birth.

The expected delivery date must be more than 10 months after the effective date of the initial policy purchased.

Enhanced Option benefit limits will only payable if the Enhanced Option was in effect when you became pregnant and has remained in effect since that time.

PSYCHOLOGIST AND PSYCHIATRIC CAR

Available with Enhanced plan only

inpatient up to $10,000

outpatient psychological consultation, up to a maximum of $1,000 in any 12 consecutive month period with no lapse of coverage.

 TUTORIAL SERVICES

Reimbursement $20 per hour up to $500 for the cost of private tutorial services if you are hospitalized or confined to your home for 30 days or more

ACCIDENTAL DEATH & DISMEMBERMENT

The insurer agrees to pay up to the sum insured of $15,000, for loss of life, limb or sight resulting directly from accidental injury occurring during the period of coverage, except while boarding, riding or alighting from an aircraft.

See the policy document for the schedule of coverage.


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. 

STANDARD PLAN does not cover any pre-existing medical condition.

ENHANCED PLAN covers emergency medical expenses relating to the condition that has been STABLE in the 90 days immediately before the effective date of the policy.

STABLE describes any medical condition or related condition, including any heart condition or lung condition, for which:

a) there has been no new treatment; and

b) there has been no change in treatment or change in treatment frequency or type; and

c) there have been no signs or symptoms or new diagnosis; and

d) there have been no test results showing deterioration; and

e) there has been no hospitalization; and

f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.

The following are considered STABLE:

a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.

b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the stability period and there is no increase or decrease in dosage.

c) A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require:

i. treatment for a period longer than 15 consecutive days; or

ii. more than one follow-up visit to a physician; or

iii. hospitalization, surgery, or referral to a specialist.

 

Some other exclusions:

Traveling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.

Injury resulting from training for or participating in: speed contests usually and customarily in excess of 60 km per hour; motor sport contests; stunt activities, exhibitions or demonstrations of any kind; professional sport activities; or high-risk activities.
Medical consultation that is non-emergency, on-going, elective or the consequence of prior elective procedure.

health examination for check-up purpose, treatment of on-going condition, regular care of a chronic condition, home health care, investigative testing, and rehabilitation.

Any treatment, investigation or hospitalization which is continuation of, or subsequent to emergency treatment of a sickness or injury, unless approved in advance by Allianz Global Assistance.

Refer to the Policy Wording  for  the complete list of exclusions (pg 5-7).

 

NOTE: The product related information is for illustration purpose only. Please refer to  the Policy wording for details on the coverage provided, conditions, exclusion and claim procedure.

 

What to do if you get sick or injured.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact Allianz Global Assistance at the telephone numbers shown on your policy confirmation and the Policy Wording  (pg. 12).  When contacting Emergency Assistance, please provide your name, your policy number, your location and the nature of your emergency.

You must notify Alliance Global Assistance within 24 hours of admission to a hospital and before any medical consultation or surgery is performed. Failure to do so without reasonable cause, will reduce the benefits payable to you under this policy by 20%.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Allianz Global Assistance. Click here for the claim procedure and to download a claim form. Consult the claim guideline in your Policy Wording (pg. 11)

 

 

Rates

 

 

For more information, free consultation and to purchase a policy please call Natalia  at

 416-493-0101, 416-458-4577  

 

_

Investments:    RESP     RRSP     TFSA      Segregated Funds

Revised: December 25, 2017