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Peakshield
FINANCIAL AGENCY
INSURANCEPLANNINGPEACE OF MIND
Benefits at Glance RIMI
| Benefit | Standard Plan | Enhanced Plan |
|---|---|---|
| Pre-existing conditions coverage | Standard plan 1 - does not cover pre-existing medical conditions Standard plan 2 Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date. | Enhanced plan 1 - does not cover pre-existing medical conditions Enhanced plan 2 Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date. |
| Medical questionnarie required? | Yes - Only individuals of 70 to 84 years old requiring pre-existing conditions coverage need to complete medical questionnaire | Yes - Only individuals of 70 to 84 years old requiring pre-existing conditions coverage need to complete medical questionnaire |
| Hospital accommodation | Covers ward rate | Covers semi-private room |
| Prescription drugs | Up to $500 per prescription limited to 30 days supply. | Up to $1,000 per prescription limited to 30 days supply. |
| Follow-up visits | Up to 3 visits when related to the medical emergency. | Up to 3 visits when related to the medical emergency. |
| Private duty nurse | Up to $5,000 | Up to $5,000 |
| Ground or air transportation | Covers ground and/or air transport when medically necessary. | Covers ground and/or air transport when medically necessary. |
| Dental coverage | Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment. Note: conditions apply. Further details are in policy wording. | Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment. Note: conditions apply. Further details are in policy wording. |
| Laboratory tests & diagnostic services | Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance company. | Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. |
| Medical Appliances | Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair. | Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair. |
| Health professional services | Up to $300 per person, per profession listed such as Chiropractor, Physiotherapist, Podiatrist, Osteopath | Up to $500 per person, per profession listed such as Chiropractor, Physiotherapist, Podiatrist, Osteopath |
| Accidental death & dismemberment | Up to $50,000 | Up to $50,000 |
| Return of deceased/ Cremation or burial | Up to $5,000 for return of remains to the country of origin. up to $2,500 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered. | Up to $10,000 for return of remains to the country of origin. up to $5,000 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered. |
| Flight Accident | Up to $50,000 in case of death of an insured person as a result of a flight accident. | Up to $50,000 in case of death of an insured person as a result of a flight accident. |
| Transportation to bedside | Not covered | Covers the following when it is required to transfer a person of your choice to the insured person in emergency or to identify deceased insured person. single round-trip economy airfare $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation |
| Side trip coverage | Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country | Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country |
| Out-of-pocket expenses | Not covered | Up to $150 per day, to an overall maximum of $3,000 for Commercial accommodation Meals Essential phone calls Childcare cost for the dependents accompanying you on the trip |
| Automatic extensions | Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date. | Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date. |
| Policy cancellation/ Refund | You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date. Policy cancellation can also be requested after the effective date upon the insured's return, even with claims. | You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date. Policy cancellation can also be requested after the effective date upon the insured's return, even with claims. |
| Waiting period | Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada. | Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada. |