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Seneca ENHANCED COVERAGE Early Arrival:
Attempted Suicide or Self-inflicted Injuries
This is a summary of benefits ONLY. N/A |
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International OHIP Alternative
Seneca
- OHIP ALTERNATIVE INSURANCE (Health coverage in Canada)
- This summary contains details of the International Student plan. It is not a contract of insurance. The terms and conditions of the Group Policy will prevail. The International Student plan provides coverage for medically necessary hospital and medical services for you, and your eligible dependents. Reimbursement of benefits will be made only upon the submission of verification from the hospital, attending physician, or surgeon that the services claimed were rendered. Certain Maximums and restrictions may apply.
- Eligibility
- All International Students, under age 65, their accompanying spouses and accompanying dependent children
- Pre-existing
- 90 days (with grandfathering for current eligible students)
- Coverage
- $2,000,000 lifetime benefit maximum
- Doctor / Physician
- Treatment of Illness or Injury, Surgery and Doctor’s visits or In-clinic visit to treat a new urgent condition
- Hospital
- Emergency Room coverage included
- Hospital charges for room and board are subject to 100% of the daily standard ward accommodation rate currently charged by the hospital in the province or territory of Residence.
- Medical Services and Devices coverage include:
- Treatment of fractures or dislocations, X-Rays and laboratory exams, Dental procedures performed in an operating room by a dental surgeon, Annual health exam, Licensed Anesthetist, Cleft lip and palate assistance, Well-baby care expenses (6 mos. after birth of insured dependent child)
- Obstetrical / Maternity Expense Indemnity
- $25,000 maximum for pre and post-natal care (childbirth, miscarriage, complications)
- Psychiatric Hospitalization
- $50,000 lifetime benefit maximum for In/out hospital and psychiatry care, treatment and support services
- Self-inflicted injuries / Suicide and Attempted Suicide
- $10,000 lifetime benefit maximum for required in-patient hospitalization
- Oncology Treatment
- $50,000 lifetime benefit maximum
- Repatriation
- $15,000 benefit coverage
- Return Home
- $10,000 benefit coverage
- This is a summary of benefits ONLY.
- IMPORTANT NOTE: Expenses for scheduled confinement in hospital or scheduled surgery, including outpatient surgery, must be submitted to the Insurer for approval 3 days in advance of the date of admission.
- If not submitted, coverage is limited to 70% of all expenses incurred, to an overall maximum of $10,000.
- WHAT IS NOT COVERED? (Exclusions)
- This is a summary of exclusions ONLY.
- The commission or the attempt to commit a criminal act by the insured student or dependents;
- Alcohol related illness or disease or bodily injury as a result of alcoholism or excessive consumption of alcohol;
- Drug related illness or disease or bodily injury as a result of drug addiction or excessive use of drugs;
- Group examinations, immunizations or inoculations, and examinations for screening, survey or research purposes;
- Cosmetic surgery, unless medically necessary as a result of an accident;
- Any expenses before coverage starts or after coverage has expired;
- Medical services provided in the insured student’s home country;
- Participation in professional sports or extreme activities such as motorized speed contests, skydiving etc;
- Medications available without prescriptions (over the counter medicines).
Prescription Drugs
Seneca
- DRUGS
- Overall Coverage
- Drugs that legally require a prescription
- Pre-existing
- 90 days (with grandfathering for current eligible students)
- Coverage
- 100% Reimbursement
- $5,000 per student year
- Preventative Vaccines and Immunization
- $150
- Includes Hepatitis A and B
- Contraceptives
- $200
- This is a summary of benefits ONLY.
Dental
Seneca
- DENTAL
- Coverage
- $750 maximum benefit per student year
- $0 deductible
- Current dental fee guide
- Basic and Periodonctic services
- 80% Reimbursement
- General or recall examinations, complete x-rays
- Simple extractions
- Anesthesia and administration
- Fillings
- Root planning
- Standard oral surgery (includes removal of complicated teeth and roots)
- Preventative services
- 80% Reimbursement
- Cleanings, periodontal scaling
- Major and Endodontic services
- 50% Reimbursement
- Denture services (includes relining, repair and adjustment)
- Fixed crowns
- Fixed bridges
- This is a summary of benefits ONLY.
Extended Health
Seneca
- HEALTH
- Coverage
- 100% Reimbursement
- Chiropodist and Podiatrist
- $500 combined maximum benefit per student year
- Physiotherapy and Osteopath
- $500 maximum benefit per practitioner per student year
- Psychologist, Social Worker, Psychoanalyst and Registered Psychotherapist
- $1,000 combined maximum benefit per student year
- Emergency Taxi
- $50 (excluding Ambulance)
- Accidental Dental
- $2,000 maximum per student year
- Standard Major Medical Services and Devices coverage include:
- Diabetic supplies (includes pumps and blood glucose monitors) to a combined maximum of $1,000 per administration equipment period of 5 consective calendar years.
- Ambulance ($100 student year maximum)
- Fracture & dislocation
- Medical appliances ($250 lifetime maximum)
- Medical supplies ($250 maximum)
- Prosthetic appliances ($200 maximum)
- Homecare ($10,000 max if medically necessary)
- VISION
- Coverage
- 100% Reimbursement
- One (1) general eye exam – This exam is to test eyesight and whether you require prescription eye glasses or prescription contact lenses. This type of visit can be claimed online.
- $50 benefit per 24 mos.
- Please visit a physician or walk in clinic for assessment if experiencing any other symptoms related to the eye, for example:
- Infection of the eye
- Injury to the eye (puncture, scratch, etc...)
- Sudden vision loss
- Pain of the eye
- This type of visit must be claimed by mailing in a paper claim form only, titled “Hospital, Physician, Accident and Travel Claim Form” available under “Booklets and Forms”. Coverage levels vary depending on services received.
- Eyeglasses and/or Contacts
- $75 benefit per 24 mos.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
- This is a summary of benefits ONLY.
Accident Benefits
Seneca
- ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
- Coverage
- $1,000,000 aggregate maximum
- Applicable to any accident, with support available 24 hours a day
- Pre-existing
- No restriction
- Loss of Life per insured
- Student: $50,000
- Spouse: $10,000
- Each Dependent Child: $2,500
- Specific Loss Indemnity Table
- Schedule of coverage (includes Paralysis) — Please read your policy for complete details.
- Accidental Medical Reimbursement
- $10,000 (includes Ambulance)
- Bereavement
- $1,000
- Cosmetic Disfigurement
- $25,000
- Day Care
- $5,000
- Education Benefit
- $10,000
- Family Transportation
- $15,000
- Funeral Expense
- $6,500
- Home Alteration & Vehicle Modification
- $15,000
- Identification
- $10,000
- In-Hospital Mos. Confinement Income
- $2,500
- Psychological Therapy
- $5,000
- Rehabilitation
- $15,000
- Repatriation
- $15,000
- Seat Belt
- 10% of covered amount
- Spousal Occupational Training
- $15,000
- Travel Expense Reimbursement for Parent(s)
- $10,000
- Tutorial Service
- $2,000 per accident at $20 per hour
- This is a summary of benefits ONLY.
- WHAT IS NOT COVERED? (Exclusions)
- This is a summary of exclusions ONLY.
- Suicide or any attempt thereat or intentionally self-inflicted Injury, while sane or insane;
- Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in the part titled “Limited Air Travel Coverage”.
- Sickness or disease, either as a cause or effect;
- Expenses incurred by an insured who is not covered under any Federal or Provincial Hospital Plan or its equivalent.
Travel
Seneca
-
EMERGENCY OUT OF PROVINCE (TRAVEL COVERAGE)
- Coverage for Emergency Injury or Sickness
- Lifetime Maximum: $5,000,000
- Trip Duration
- 180 Days maximum
- Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
- Global Excel
- For emergency assistance call 1-877-207-5018
- Outside North America, call collect: +819-566-3940
- Medical Assistance
- YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
- This is a summary of benefits ONLY.
- IMPORTANT NOTE: In case of confinement in a hospital or emergency surgery, the Company must be notified no later than 48 hours from the date of hospitalization or emergency surgery. Failure to make such notification may limit coverage to a maximum of $10,000.00 for all expenses incurred.
- WHAT IS NOT COVERED? (Exclusions)
- This is a summary of exclusions ONLY.
- Emergency treatment for injury or illness in your country of domicile;
- If your trip is scheduled for more than 180 days, all coverage for the entire trip is Null and Void.
Student Wellness Programs
Seneca
- STUDENT ASSISTANCE PROGRAM (SAP)
- The importance of self-care and a healthy balance in mental and physical well-being for students is extremely important today, especially for those arriving to join a new community, experience different environments and meet new peers. It often means facing challenges and dealing with new pressures. With this program, you are not alone. There are resources to find clinical support and assistance on your campus and in your community as well as coaching, tips, and tools available.
- Starting September 01 2024, the WeConnect Student Assistance Program (SAP) provides mental health and wellness services to students through our virtual platform (powered by Dialogue), available via the web or a mobile application.
- How do I access?
- Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
- Call 1-855-853-0565 or Visit www.morcare.ca
- Services include:
- Access is available 24/7 by phone or virtual resources, worldwide.
- Care is immediate by connecting with the intake team and payment for counselling is not required
- Time management and organization
- Career development
- Student-life balance
- Personal growth and development
- Dependent Care
- Legal and Financial Support
- Daily Living / Life Coaching
- Mindfulness / Wellness Coaching
Enhanced Coverage
Seneca
- ENHANCED COVERAGE
- Early Arrival:
- Early arrival insurance shall commence 30 days prior to effective date stated on the application on file with the Policyholder, provided premium has been paid, if the insured international student arrived prior to the effective date.
- Attempted Suicide or Self-inflicted Injuries
- Suicide or Self-inflicted injuries clause is for in/out patient hospital services:
- Charges for the following will be limited to a lifetime maximum of $10,000 per insured
- In-patient and out-patient hospital services (including emergency room charges)
- Psychiatry services
- Nursing and home support (including assessment charges)
- Out-patient treatment programs which would be provided under the Provincial Health Insurance Plan.
- This is a summary of benefits ONLY.
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