Accident Benefit
Why cover?
Receive pre-determined benefits in the event of your child’s death, injury, fracture, dismemberment or total loss of use as the
result of an accident.
Accidental Death
- from 30 days to 75 years $50,000
Dismemberment or total loss of use resulting from an accident
of both feet or of both hands $200,000
of one hand and one foot $200,000
of one foot and loss of sight of one eye $200,000
of one hand and loss of sight of one eye $200,000
of one foot or of one hand $100,000
of sight of one eye $25,000
of hearing of one ear $25,000
of two phalanges or more of the same finger or toe $5,000
Note: Benefits for dismemberment or total loss of use are not cumulative - Fracture resulting from an accident
of the skull, spine, pelvis or thigh bone $1,000
of a rib,the sternum, larynx, windpipe, shoulder blade, humerus, kneecap, shin bone, fibula $200
of any bone not included in the above list $150 - Benefits paid for hospitalization resulting from an accident
Private or semi-private room per day of hospitalization $55 maximum
Hospitalization from the first to the 365th day $25 per day - Total disability resulting from an accident (students only)
Overall coverage after 12 months of disability $1,500
Weekly benefits for June, July and August for ages 16 and up 150$ - Reimbursement of expenses resulting from an accident
Fees for a nurse or nursing assistant, with referral lifetime maximum of $5,000
Prescribed drugs and orthopedic devices lifetime maximum of $10,000
Chiropractor, speech therapist, logotherapist, osteopath,
podiatrist or psychologist $15/visit – $240 per year
Physiotherapist, with referral $15/visit – $240 per year
Dentures, per natural, healthy tooth up to $300
Dental prosthesis up to $250
Initial prosthesis, including hearing aids lifetime maximum of $3,000
Medical, surgical and hospital services rendered outside Canada lifetime maximum of $10,000
Fees of only one x-ray up to $25
Fees of repairing or replacing eye glasses up to $75
Transportation by ambulance or taxi from the scene of an accident
to the nearest hospital and from the hospital to home reasonable expenses
Reimbursement (students only)
Transportation and accommodation expenses for a person accompanying the injured person up to $500 Private make-up classes up to $1,000 Rehabilitation education fees
Exclusions
- No benefits are payable under this Accident Benefit coverage:
- 1.1. if injuries, resulting, directly or indirectly in death, dismemberment, total loss of use or a need for medical care are:
- a) self inflicted injuries, whether or not the child is sane or insane;
- b) sustained by the child while aboard an aircraft, except as a passenger on a regularly scheduled flight;
- c) incurred while participating in a sport for which the child receives monetary reward or compensation;
- d) sustained by the child during a riot, a demonstration, an insurrection, a war or any related act;
- e) sustained by the child when participating or attempting to participate in an illegal or a criminal act or while driving a motor vehicle or a boat while being under the influence of drugs or when the blood alcohol level exceeds 80 milligrams per 100 millilitres of blood;
- f) sustained by the child while under the influence of any drug, hallucinogen or narcotic. 1.2. when death or injuries are a direct or indirect result of gas inhalation, poisoning or drug absorption.
- 1.3. as soon as the child ceases to be a permanent resident of Canada
- 1.1. if injuries, resulting, directly or indirectly in death, dismemberment, total loss of use or a need for medical care are:
- 2. Unless the child was hospitalized, fees of chiropractors and physiotherapists are excluded if the injuries sustained result from the child training for or participating, in any organized league sport.
- 3. No benefits, under article 4 of the Accident Benefit, are payable:
- 3.1. for prosthesis and orthotic devices used exclusively to participate in sports or sporting activities or that are not medically necessary for rehabilitation or recovery;
- 3.2. if the child is covered under a similar insurance plan or under a public plan administered by a governmental agency;
- 3.3. for costs incured for cosmetic or esthetic purposes.
Children
Insurance.
How to apply
Please fill out the quick form and to continue the process
