Eligibility
For the purpose of this policy, Insured Persons covered herein are all Members under the age of seventy (70) of the Policyholder who has made an application with payment of premium for coverage under this policy, and whose application is on file with the Insurer.
"Member" means a practicing member in good standing who is actively and gainfully employed for at least twenty (20) hours per week based on a one (1) year average calculation for wage or profit.
Description of Hazards
The hazards against which insurance is provided under this policy are injuries sustained by an Insured Person twenty-four hours a day, anywhere in the world.
Premium
Terms |
Rate per Member |
Less than six (6) months term |
$46.00 |
Six (6) to twelve (12) months term |
$92.00 |
Exclusions
This policy does not cover any loss, fatal or non-fatal, caused or contributed to by:
1) self-inflicted injuries, suicide or attempted suicide, whether the Insured Person was sane or insane;
2) war whether declared or undeclared, and whether or not the Insured Person was actually participating therein;
3) civil commotion, riot, insurrection, armed conflict if the Insured Person was participating therein;
4) the Insured Person's service, whether as a combatant or non-combatant, in the armed forces of any country;
5) riding as a passenger or otherwise in any vehicle or device for aerial navigation, other than as provided in the section entitled "Aircraft Coverage";
6) medical treatment or surgery on the Insured Person, except if the medical treatment or surgery was needed because of an accident.
7) to an Insured Person who is not covered under any Federal or Provincial Hospital or Medical Plan
The insurance afforded under this policy is only with respect to such indemnities listed in this Schedule and is only with respect to Insured Persons designated herein.
Principal Sum |
$75,000 |
Accident Reimbursement Expense |
$15,000 |
Accidental Dental Expense |
$1,000 |
Weekly Accident Indemnity:
Partial Disability |
$250 |
Total Disability |
$500 |
Elimination Period |
7 Days |
Maximum Period Payable:
Partial Disability |
26 weeks |
Total Disability |
52 weeks |
Permanent Total Disability Indemnity: |
Up to $75,000 |
Repatriation Benefit: |
$15,000 |
Education Benefit: |
$5,000 |
Day-Care Benefit: |
$5,000 |
Rehabilitation Benefit: |
$15,000 |
Occupational Training Benefit: |
$15,000 |
Family Transportation Benefit: |
$15,000 |
Seat Belt Benefit: |
Up to $25,000 |
Home Alteration and/or Vehicle Modification Benefit: |
$15,000 |
Hospital Indemnity:
Daily indemnity: |
$50/day |
Maximum Benefit Duration: |
30 days |