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Benefits at Glance 21st Century
| Benefit | Basic Plan | Standard Plan | Enhanced Plan |
|---|---|---|---|
| Pre-existing conditions coverage | Not covered | Not covered if existed in 180 days prior the insurance start date | Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date |
| Medical questionnarie required? | No | No | Yes - Only individuals of age 55 to 85 years old need to complete medical questionnaire |
| Hospital accommodation | Semi-private room | Semi-private room | Semi-private room |
| Prescription drugs | Up to $500 per prescription limited to 30 days supply. | Up to $500 per prescription limited to 30 days supply. | Up to $500 per prescription limited to 30 days supply. |
| Follow-up visits | 1 follow-up visit when related to the medical emergency. | No follow-up visits limit provided these are related to the medical emergency. | No follow-up visits limit provided these are related to the medical emergency. |
| Private duty nurse | Up to $5,000 | 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. | Covers ground and/or air transport when medically necessary. |
| Dental coverage | Not covered | Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment. | Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment. |
| Laboratory tests & diagnostic services | Lab tests and x-rays Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. | Lab tests and x-rays Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. | Lab tests and x-rays Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. |
| Medical Appliances | Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency | Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency. | Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency. |
| Health professional services | No coverage for health professional services such as Accupuncturist, chiropractor, physiotherapist | Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist. | Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist. |
| Accidental death & dismemberment | No coverage | Up to maximum $25,000 | Up to maximum $25,000 |
| Return of deceased/ Cremation or burial | Up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered. | Up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered. | Up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered. |
| Transportation to bedside | Not covered | Not covered | Not covered |
| Additional coverage | None | Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy. | Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy. |
| 90-Day Provision (Reinstatement of Coverage) | Not covered | Reinstatement of coverage for a second claim related to the same condition | Reinstatement of coverage for a second claim related to the same condition |
| Side trip coverage | Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century. | Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century. | Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century. |
| Out-of-pocket expenses | Not covered | Not covered | Not covered |
| Automatic extensions | Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days. | Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days. | Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days. |
| Policy cancellation/ Refund | You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. | You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. | You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. |
| Waiting period | Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada | Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada | Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada |