GENERAL INFORMATION |
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DENTAL BENEFITS |
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| A completed Oral Examination Report must be submitted with the first dental claim. All conditions requiring treatment as of the first dental visit are deemed to be pre-existing conditions. | |||
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EXCLUSIONS (Extract from the policy) |
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| Medical
plans do not cover care, treatment, services or supplies for:
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14-DAY FREE LOOK |
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| You may return your policy within fourteen days after receipt for a full refund of the premiums paid. | |||
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FREE New Born Child Coverage |
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| A child of a female Insured Person is eligible for the same medical plan as the Insured Person 15 days after the later of the date of birth or the date of discharge on submission of application to the Company until the Insured Person's next renewal for free. | |||
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GEOGRAPHICAL LOADING |
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| Applies to the Medical Plan (& options) premium for residents to cover the high cost of medical care in that particular area. | |||
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OCCUPATIONAL CLASS |
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| Personal
Accident cover is based on the hazard class associated with an
occupation and its duties.
Class 1: very light hazards; Class 2: light hazards; Class 3: non-hazardous manual labor; and, Class 4: hazardous occupations. Class 3's are quoted on request and Class 4's have no cover. |
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PRE-EXISTING CONDITION |
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| Any Disability which existed before the policy effective date in respect of an Insured Person, which presented signs and symptoms of which the Insured Person was aware or should reasonably have been aware | |||
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PREMIUMS |
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| Are based on the Insured Person's age on the first day of the policy year; the rate table in effect on the premium due date; and, residence, family status, payment mode and other factors which affect the cost of insurance. Premiums may be revised based on claims experience or other criteria which the Company, at its sole discretion, may determine. Policies renew automatically upon payment of renewal premium. | |||
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TREATMENT AREA LIMIT |
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| Does not apply to inpatient expenses incurred for emergency treatment of injury or acute illness which occurs wholly after the start of travel for up to 30 days of travel to the affected areas in any one policy year. | |||
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WAITING PERIOD |
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| Benefits are not paid for sickness during the first 30 days of coverage. Benefits for injuries due to covered accidents occurring wholly after the effective date are covered immediately. | |||
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