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FINANCIAL AGENCY
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Benefits at Glance GMS
| Benefit | Details |
|---|---|
| Pre-existing conditions coverage | Covers pre-existing conditions if stable in 180 days prior to the effective date |
| Medical questionnaire required? | Yes |
| Hospital accommodation | Semi-private room |
| Prescription drugs | Covers medication required for emergency treatment up to maximum 30 day prescription |
| Follow-up visits | Covers follow-up visits if related to medical emergency |
| Private duty nurse | Covers some expenses if required medically as a result of emergency treatment |
| Ground or air transportation | Covers ground and/or air transport when medically necessary. |
| Dental coverage | Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain. |
| Laboratory tests & diagnostic services | Lab tests and x-rays when related to the medical emergency. Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds and biopsies are excluded from coverage, unless pre-authorized by GMS. |
| Medical Appliances | Not covered |
| Health professional services | Up to an aggregate maximum $500 per person for osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist. |
| Accidental death & dismemberment | Not covered |
| Return of deceased/ Cremation or burial | Up to $10,000 for return of deceased to the country of origin Up to $4,000 for cremation or burial This benefit does not cover the cost of a headstone, burial casket, urn, or funeral service expenses. |
| Transportation to bedside | 1 round-trip economy class airfare for a medical attendant who needs to be with you in case of medical emergency. |
| Side trip coverage | Covers side trips for up to 30 days or less in duration outside of Canada for the trips that originate and terminate in Canada are not greater than 50% of your period of coverage. Expenses incurred in your country of origin are not covered. |
| Out-of-pocket expenses | Up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event of emergency In the event of your hospitalization: Covers up to $500 for childcare for the children accompanying you on your trip. |
| Automatic extensions | For the duration of your hospitalization and 72-hour period following discharge from the hospital. Arrive in your country of origin within 48 hours. |
| Policy cancellation/ Refund | Policy can be cancelled with full refund within 10 days of purchase provided that policy starts after 10 days of purchase date. |
| Waiting period | Waiting period applies if you purchase policy after your arrival in Canada 2 days period if you have purchased policy within 30 days of arrival in Canada 7 days period if you have purchased policy after more than 30 days of arriving in Canada |