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Extent of Protection |
Brief Description of the Product
Note that certain
restrictions and exclusions apply. The issued contract is the only official document
that is binding on the parties. |
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Summary
of Benefits1 |
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BASIC Option
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MACCIMUM Option |
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A. |
Accidental
Death*
School vehicle or public transportation*
Other circumstances
(25 years
or over)*
Other circumstances(under 25 years) |
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$15,000
$10,000
$5,000 |
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$60,000
$40,000
$20,000 |
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B. |
Natural
Death (children and students only)
Children from 15 days to 17 years of age and students under 25 years of age |
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$2,500
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$10,000
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C. |
Dismemberment
or Loss of Use*
Loss of two limbs, or one limb and sight in one eye or both eyes |
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Loss of hearing
in both ears and loss of speech |
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Loss of hearing
in both ears or loss of speech |
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Loss of one
limb or sight in one eye |
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Loss of hearing
in one ear |
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Loss of fingers
or toes (each finger or toe completely severed) |
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Maximum Amount Payable Under This Clause |
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$50,000 |
$50,000
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$25,000
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$12,500
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$3,000 |
$1,000 |
$50,000
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$200,000 |
$200,000 |
$100,000
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$50,000
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$12,000 |
$4,000 |
$200,000
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D. |
Accidental
Fracture*
Of the skull, with depressed skull; spine,
with displaced vertebrae; pelvis
Of the skull,
no depressed skull; spine, no displaced vertebrae; femur,
tibia, fibula, humerus, ulna, radius
A bone not listed
above |
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$250
$50
$25
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$1,000
$200
$100
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*Restriction: For insureds who
are 65 years of age or older at the time of the accident, the benefits
in case of accidental death, dismemberment, loss of use, or fracture
correspond to 50% of the amounts indicated.
1 The benefits
are only payable following an accident (except for natural death).
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Up to |
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E. |
Hospital
and Paramedical Costs
Medication and nursing care
Purchase of a prosthetic
device (artificial limb)
Initial purchase
of a hearing aid
Private or semi-private
room
Rental (or purchase)
of crutches, orthopedic devices or a wheelchair
Repair or replacement
of glasses
Treatment by a physiotherapist,
chiropractor, occupational therapist, podiatrist, osteopath,
audiologist, or speech therapist
Emergency transportation
expenses
Room and board for
person accompanying the insured
Maximum Per Accident |
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Included
$3,000 max.
$500 max.
$55/day max.
Included
$100/year max.
$15/visit,
$180 max./year
$1,000 max.
$100/day,
max. $500
$25,000 |
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F. |
Emergency
Care or Services Outside the Province of Residence
Services provided by a physician, hospital
care and transportation by ambulance following an accident |
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$5,000 max.
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G. |
Total Disability Following an Accident (students only)
Reorientation costs
Remedial classes
Disability benefit |
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$3,000 max.
$10/hour,
$1,000 max.
$200/month,
$5,000 max.
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H. |
Dental
Fees
Per damaged tooth
Dental prosthesis
(replacement or repair) |
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$300 max.
$250 max.
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I. |
Hospitalization
Allowance
Lump-sum payment (payable starting on the first
night) |
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$25/night,
$1,000 max.
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J. |
Childcare
Fees (children under 18 years of age)
Injured insured child or other children of
the parent or legal guardian |
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$10/hour,
$100 max./year
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K. |
Transportation
Expenses (students only)
Return transportation expenses between home
and the educational institution |
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$10/day,
$100 max./year
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L. |
L.
Convalescence Allowance (18 years of age and over)
Day surgery
Each night spent
in hospital |
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$50
$50/night,
$500 max./year
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Exclusions |
No benefits are payable for: |
A. |
The death of an insured resulting
from suicide. However, if the death of an insured eligible
for the natural death benefit results from suicide and the
insurance has been in force with the Company for two continuous
years, an amount equal to this benefit is payable. In such
a case, any increase in the face amount resulting from the
purchase of the MACCIMUM option is subject
to an exclusion period of two continuous years of insurance. |
B. |
Natural death resulting from
an illness or injury for which the insured had consulted a
physician or received medical treatment during the year preceding
the effective date of this contract unless,
in these previous 12 months, the insured was covered by a
similar accident insurance contract issued by the Company.
In this case, the payable benefit is the lowest amount of
that payable under the existing contract and that payable
under the preceding contract. |
C. |
Losses, fractures, disability
or costs incurred as a result of an attempted suicide, voluntary
dismemberment or any self-inflicted injury, whether or not
the insured was conscious of his/her actions. |
D. |
Death, losses, fractures, disability
or costs incurred as a result of gas inhalation, poisoning,
voluntary absorption of medication or drugs unless taken as
prescribed by a physician. |
E. |
Death, losses, fractures, disability
or costs incurred while the insured was under the influence
of drugs or had a blood alcohol level exceeding 80 milligrams
per 100 millilitres of blood, whether or not the insured was
conscious of his/her actions. |
F. |
Death, losses, fractures, disability
or costs incurred as a result of a criminal act that the insured
committed, was preparing to commit or attempted to commit,
or resulting from this individual provoking a riot, an attempt
against public order or war, whether war be declared or not. |
G. |
Death, losses, fractures, disability
or costs incurred as a result of flight or attempted flight
on board a plane or other aircraft, if the insured is part
of the crew, or performs any function related to the flight. |
H. |
Death, losses, fractures, disability
or costs incurred while the insured participates in acrobatics
or any sporting activities as a professional, while racing
motorized vehicles, playing contact football as part of an
organized league, or while scuba diving, parachuting, competitive
downhill skiing, hang gliding, mountain climbing or bungee
jumping. |
I. |
Dental care, hospital and paramedical
expenses, and emergency care reimbursable by any other private
(individual or group insurance) or government plan. Furthermore,
in the case of a person who is not covered by a government
plan providing illness or injury benefits, the Company will
reimburse only that portion that would have been reimbursed
to a person covered by such a plan. |
J. |
Care or treatment provided by
a member of the insured’s immediate family (except for
transportation expenses). |
K. |
Orthopedic devices used solely
for the purposes of practising sports activities. |
L. |
Costs incurred for magnetic resonance
imaging tests, CT scans and X-rays. |
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