Inbound student plan

Emergency medical benefits*

• Hospital expenses – up to the $1 million maximum
• Physician services
• Diagnostic services
• Private duty nurse
• Ambulance transportation
• Prescription drugs – up to 30 day supply
• Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
• Emergency dental treatment
• Psychiatric care
• Trauma counselling
• Medical appliances
• Emergency evacuation
• Family transportation to bedside and subsistence allowance
• Repatriation of mortal remains
• Tuition reimbursement
• Trip break

Non-emergency medical benefits*

• Annual medical examination
• Annual eye examination
• Maternity benefit

To be eligible for insurance under this policy, you must be:

• under the age of 55; and
• a full-time student with proof of admission or enrolment in a recognized institute of learning; or
• a student completing post-doctoral research in a recognized institute of learning; or
• dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

• contrary to medical advice;
• while you require kidney dialysis;
• if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
• you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-Existing Condition Exclusions

This policy will not pay any expenses or benefits directly or indirectly relating to:

1. A pre-existing condition that was not stable in the three (3) months before your effective date.
2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition means a medical condition that exists before your effective date of insurance.

Medical Condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. the medical condition has not become worse, and
4. there have not been any new, more frequent or more severe symptoms, and
5. there has been no hospitalization or referral to a specialist, and
6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Treatment means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery.

IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. "Genetic test" means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.