GMS 访客及新移民医疗险

You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition(s).

GMS does not cover expenses resulting directly or indirectly from medical condition(s) which have not been stable for 180 days immediately prior to your effective date

a dosage adjustment for an anti-hypertensive or cholesterol lowering medication;

GMS does not cover expenses resulting directly or indirectly from medical condition(s) which have not been stable for 180 days immediately prior to your effective date

Any material misrepresentation, provision of incorrect information or non-disclosure of information, related to medical conditions, will result in non-payment of any related claims.

If uninsured and you apply within the first 30 days of arriving in Canada, coverage for injury begins on the effective date and a 2 day waiting period is applied to coverage for medical conditions, other than injury.

Refunds are not available when: a. a claim has been reported under this policy; or

官方未写／未核到（英文摘录待补）

Coverage for side trips up to 30 days or less in duration, outside of Canada that: a. originate and terminate in Canada; and b. are not greater than 50% of your period of coverage.

GMS reserves the right to negotiate amounts payable on your behalf with any service provider who renders services under your policy. Payments will be provided directly to the service provider.

You are required to contact GMS Travel Assistance within 24 hours of receiving medical treatment or admission to hospital.

to a maximum of $2,000 per person. Expenses for medical treatment of the relief of dental pain, to a maximum of $300.

官方未写／未核到（英文摘录待补）

Newborns are eligible for coverage under this plan 48 hours after release from hospital.

are 80 years of age or older on the policy effective date;

Between 70 and 79 years of age You must answer “no” to all questions for applicants between 55 and 69 years of age, PLUS the following question.

Depending on your needs, you can choose coverage for medical expenses of $25,000, $50,000, $100,000, or $150,000.

With deductibles as low as $0 and insurance up to $150,000, the choice is yours.

官方未写／未核到（英文摘录待补）

The deductible is applied to each claim.

Our $100,000 and $150,000 policies give you the coverage needed to qualify.

The maximum number of days that may be purchased per policy is 365 days.

官方未写／未核到（英文摘录待补）

Hospital accommodations up to semi-private rooms and hospital services and supplies necessary for the care of a medical emergency during hospitalization.

Expenses, up to an aggregate maximum of $500 per person, for the emergency services of an osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist.

Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds and biopsies are excluded, unless pre-authorized by GMS.

to a maximum 30 day prescription. Refills of prescriptions, and any associated physician’s expenses, are excluded from coverage.

This benefit excludes helicopter transports.

payment to a maximum of $5,000 will be arranged to transport you by common carrier without the need of a medical escort back to your country of origin for further medical treatment.

transportation of the deceased to his/her destination in Canada or country of origin, to a maximum of $10,000 per person

the expense of cremation or burial at the place of death, to a maximum of $4,000.

官方未写／未核到（英文摘录待补）

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 that you are in hospital on your return date.

Payment up to $500, with prior GMS approval, for licensed care of dependent children if they are travelling with you, should you be hospitalized due to a medical emergency.

GMS does not cover expenses related to your pregnancy, an abortion, miscarriage, childbirth or complications of any of these conditions.

an extreme sport, including but not limited to scuba diving (except when you are NAUI, PADI, ACUC or SSI certified), bungee jumping, parachuting, mountaineering, skydiving

官方未写／未核到（英文摘录待补）

GMS does not cover expenses incurred as a result of a motor vehicle accident, unless such services are not covered by any other private or public vehicle insurance.

by the use or abuse of prohibited drugs, alcohol, or any other intoxicant or the misuse of medication, whether prescribed or not.

GMS does not cover expenses when you travel outside Canada when an official travel advisory is issued by the Canadian government stating “Avoid non-essential travel” or “Avoid all travel”

GMS does not cover any medical treatment, which is a continuation of or a recurrence of a medical condition.

during your period of coverage, you have not required medical treatment (whether a claim was submitted or not), excluding a medical evaluation required to satisfy travel visa requirements;

Failure to do so may limit benefits to the lesser of 70% of reasonable and customary expenses or $50,000.

官方未写／未核到（英文摘录待补）