宏利 CoverMe 访客险基础版

官方未写／未核到（英文摘录待补）

1. Any pre-existing condition.

官方未写／未核到（英文摘录待补）

1. Any pre-existing condition.

No medical questionnaire required

The waiting period is 72 hours if these circumstances occur within the first 30 days after your arrival date and you are age 85 or younger.

If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim.

This insurance will be in effect only if the premium is paid in full at the time of application and on or before the policy effective date.

does not exceed the lesser of the following: • 30 days per policy • 49% of your total number of coverage days as stated on your policy confirmation.

we reimburse you according to reasonable and customary charges that we would have paid directly to the provider.

In an emergency, contact the Assistance Centre immediately. They are available 24 hours a day, every day of the year.

No coverage for dental benefits

No accidental death & dismemberment benefit

minimum age under this policy is 30 days.

Apply at any age

The waiting period is 15 days if you are age 86 or older.

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Deductible of $100 – save 5%. With a $250 deductible save 10%, with a $500 deductible save 15%, with a $1,000 deductible save 20%, with a $5,000 deductible save 35% and with a $10,000 deductible save 40%.

the amount of eligible expenses that you are responsible for paying per claim per insured before our obligation to reimburse any eligible expenses begins. ... The deductible amount is shown on your policy confirmation and applies per policy per insured.

meets the requirements for the parent and grandparent super visa

Coverage will not be issued for more than 365 days at a time.

官方未写／未核到（英文摘录待补）

The cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary)

Medical care received from a physician in or out of a hospital

magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved in advance by the Assistance Centre

Prescription medications up to $500 and not exceeding a 30-day supply when these medications are prescribed on an outpatient basis.

The use of a licensed local ambulance service for emergency transportation.

The cost of air ambulance transportation if it is medically necessary. This benefit must be authorized and arranged by the Assistance Centre.

In the event of your death, up to $7,500 for the combined cost for:

In no event will we pay for the cost of a coffin or urn or grave markers of any kind, flowers, ceremony, or reception expenses.

If you are travelling alone and are admitted to a hospital for 5 days or more because of a medical emergency, we will pay up to $3,000 for the return economy class airfare

we will reimburse you up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.

we will pay for the extra cost of the children’s economy class airfare home via the most cost-effective itinerary

Your pregnancy, delivery, or complications of either arising 9 weeks before the expected date of delivery or 9 weeks after

Parachuting, skydiving, hang-gliding, or using other air-supported sporting device

Any loss resulting from your minor mental or emotional disorder.

官方未写／未核到（英文摘录待补）

the abuse of alcohol, drugs, or other intoxicants.

if a Government of Canada travel advisory, issued before you travel to that location, advises to Avoid non-essential travel or to Avoid all travel

This policy limits coverage to 1 follow-up visit relating to the emergency for which you have already received emergency treatment during the Coverage period.

Yes, you can buy extra days of protection for your visitors to Canada insurance, providing there has been: No event that has resulted or may result in a claim against the policy, and No change in your health status.

if you do not call the Assistance Centre before you obtain emergency treatment you will be responsible for 20% of your medical expenses covered under this insurance.

官方未写／未核到（英文摘录待补）