Emergency Medical

• Offers protection from the cost of emergency medical treatment.
• All applicants must not:
  1. be travelling against the advice of their physician;
  2. have a diagnosis of a terminal illness with less than 2 years to live;
  3. have a kidney condition requiring dialysis;
  4. have used home oxygen during the 12 months prior to the date of application;
  5. have been diagnosed with Alzheimer's disease or any other form of dementia;
  6. be under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage) on your effective date;
  7. reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
  8. require assistance with activities of daily living including eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair), and dressing.
• Choose either Plan A or Plan B.
  • Plan A does not provide coverage for pre-existing medical conditions. Family coverage available up to age 59.
  • Plan B provides coverage for medical conditions that are stable for 180 days before the effective date of insurance and is available to applicants up to age 85 (69 for $150,000 coverage). Plan B applicants 40 years of age and over must complete the medical questionnaire.
• Deductible savings are available.