Life Care Insurance

Toll Free : 1 877 495 2525

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BENEFITS PLAN A STANDARD PLAN B COMPREHENSIVE
Hospital Accommodation semi-private roomrate OR ICU if required. Emergency room fees. c. Emergency out-patient services the ward room rate OR ICU if required. Emergency room fees. c. Emergency out-patient services semi-private roomrate OR ICU if required. Emergency room fees. c. Emergency out-patient services semi-private roomrate OR ICU if required. Emergency room fees. c. Emergency out-patient services
Medical Services licensed physician, surgeon, anaesthetist or registered graduate nurse. licensed physician, surgeon, anaesthetist or registered graduate nurse. licensed physician, surgeon, anaesthetist or registered graduate nurse. licensed physician, surgeon, anaesthetist or registered graduate nurse.
Diagnostic Services Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved. Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved. Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved. Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved.
Prescription This benefit is limited to a 30-day supply and up to overall maximum of $5,000 for the full policy duration. This benefit is limited to a 30-day supply and up to $500 per prescription, unless the insured person is hospitalized. This benefit is limited to a 30-day supply and up to $1,000 per prescription, unless the insured person is hospitalized, to a maximum of $500 per insured person per claim. This benefit is limited to a 30-day supply and up to $1,000 per prescription, unless the insured person is hospitalized, to a maximum of $500 per insured person per claim.
Private Duty Nurse registered private duty nurse as the result of a covered emergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $5000. registered private duty nurse as the result of a covered emergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $5000. registered private duty nurse as the result of a covered emergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $5000. registered private duty nurse as the result of a covered emergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $5000.
Paramedical Services 50% of the services (including x-rays) of a licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $300 per insured person, per profession listed above. licensed chiropractor,physiotherapist, podiatrist or osteopath to a maximum of $300 per insured person, per profession listed above. licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $500 per insured person, per profession listed above. licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $500 per insured person, per profession listed above.
Dental Up to $3,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; Up to $1,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $300 for emergency dental treatment for relief of pain caused other than by a blow to the face. Up to $3,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $500 for emergency dental treatment for relief of pain caused other than by a blow to the face Up to $4,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $500 for emergency dental treatment for relief of pain caused other than by a blow to the face.
Medical Appliances minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price. minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price. minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price. minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price.
Ambulance Services Licensed ground ambulance service Licensed ground ambulance service Licensed ground ambulance service Licensed ground ambulance service
Transportation to Bedside economy airfare plus up to $150 per day to a maximum of $1,500 for the cost of meals and commercial N/A economy airfare plus up to $150 per day to a maximum of $2,500 for the cost of meals and commercial economy airfare plus up to $150 per day to a maximum of $5,000 for the cost of meals and commercial
Emergency Air Transportation Air ambulance to the nearest appropriate medical facility. Air ambulance to the nearest appropriate medical facility. Air ambulance to the nearest appropriate medical facility. Air ambulance to the nearest appropriate medical facility.
Repatriation a. up to a maximum of $10,000 toward the actual cost incurred for the preparation of remains b. up to $3,000 for cremation and/or burial at the place of death. a) up to a maximum of $5,000 toward the actual cost incurred for the preparation of remains and transportation (including a standard shipping container) to your country of origin; or
b) up to $2,500 for cremation and/or burial at the place of death.
a. up to a maximum of $10,000 toward the actual cost incurred for the preparation of remains; b. up to $5,000 for cremation and/or burial at the place of death. a. up to a maximum of $10,000 toward the actual cost incurred for the preparation of remains; b. up to $5,000 for cremation and/or burial at the place of death.
Meals and Accommodation up to $150 per day, to an overall maximum of $1,000 for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car… Not Available up to $150 per day, to an overall maximum of $2,000 for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car… up to $150 per day, to an overall maximum of $3,000 for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car…
Hospital Allowance Up to $50 per day to a maximum $250 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized Not Available Up to $50 per day to a maximum $500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized Up to $50 per day to a maximum $500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized
Return and Escort of Children up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada. Not Available up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada. up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada.
Excess Baggage Return Not Available Not Available up to $500 for the cost of returning your excess baggage up to $500 for the cost of returning your excess baggage
Maternity Not Available Not Available Not Available Up to $5,000 for expenses incurred in Canada for: a. pre-natal care, childbirth, miscarriage, and post-natal care including associated complications; and b. routine new-born nursing care up to 14 days following birth.
Psychiatric / Psychological Not Available Not Available Not Available Up to $500 per insured for visits to a licensed psychiatrist, psychologist or social worker for the relief of acute symptoms when deemed essential by an attending physician and when approved in advance by Intrepid 24/7.
Vaccines Not Available Not Available Not Available Up to $100 per insured for vaccinations in any 12-month period
Physical Examination Not Available Not Available Not Available Up to $250 per insured for one visit to a physician for a routine examination in any 12-month period
Eye Examination Not Available Not Available Not Available Up to $100 per insured for one visit to a licensed optometrist in any 12-month period
Accidental Death & Dismemberment up to $10,000 Not Available up to $50,000, for loss of life, limb or sight of an insured person resulting directly from accidental injury The insurer agrees to pay up to $50,000, for loss of life, limb or sight of an insured person resulting directly from accidental injury
Exposure and disappearance Not Available Not Available a. as a result of such exposure, you suffer one of the losses specified in the schedule of losses above; or b. your body has not been found within 52 weeks from the date of the accident. a. as a result of such exposure, you suffer one of the losses specified in the schedule of losses above; or b. your body has not been found within 52 weeks from the date of the accident.
Flight Accident Not Available Not Available Up to $50,000 in case of death of an insured person as a result of an injury sustained during the coverage period while travelling as a fare-paying passenger Up to $50,000 in case of death of an insured person as a result of an injury sustained during the coverage period while travelling as a fare-paying passenger
Exclusions Exclusions
Any sickness, injury or medical condition (other than a minor ailment) that existed prior to the effective date. THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Exclusions
Any sickness, injury or medical condition (other than a minor ailment) that existed prior to the effective date.
a) Up to Age 70: Any sickness, injury or medical condition that was stable in the 90 days prior to the effective date.
b) Age 71-85: Any sickness, injury or medical condition that was stable in the 180 days prior to the effective date provided you have satisfactorily completed the medical declaration and have paid the premium for this coverage.
Exclusions
Any sickness, injury or medical condition (other than a minor ailment) that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days prior to the effective date.
b) i. Age 71-80 Any sickness, injury or medical condition that was stable in 180 days prior to the effective date
ii.any of the following Pre-existing Conditions that were present on Your Start Date:
– Any heart condition including but not limited to heart attack, angina, arrhythmia or cardiac surgery;
– Any brain condition including but not limited to stroke, transient ischemic attack (TIA), mini-stroke, aneurysm or seizure;
– Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD), asthma, chronic bronchitis or emphysema.
Exclusions
Any sickness, injury or medical condition (other than a minor ailment) that existed prior to the effective date.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in 180 days prior to the effective date

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