RSA Insurance

• 1 Overview
• 2 Benefits
  • 2.1 Emergency Medical
    maximum benefits
  • 2.2 Emergency Medical Benefits
  • 2.3 Emergency Air Transportation
• 3 Exclusions
• 4 Eligibility
• 5 Claims
• 6 Who Can Apply?
• 7 Rates

Overview:

This policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefit insurance money is to be payable.

This insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your policy, as your coverage may be subject to certain limitations and exclusions

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BENEFITS:

-Hospital Accommodation
a) Reasonable and customary costs up to the ward rate or coronary care unit where medically necessary.
b) Treatments on an outpatient basis in a hospital.

-Physician Charges Medical treatment by a physician

-Diagnostic Services Laboratory tests and X-rays prescribed by the attending physician due to an emergency. Note: This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless such services are approved in advance by Global Excel.

-Private Duty NursingThe professional services of a registered private nurse (other than by an immediate family member) as the result of a covered emergency, when medically necessary and while hospitalized, when ordered by the attending physician and approved in advance by Global Excel.

-Ambulance ServicesWhen reasonable and medically necessary, licensed ground ambulance service (also covers taxi fare in lieu of ground ambulance) to the nearest hospital.

-Prescription DrugsUp to $500, limited to a 30-day supply per prescription, unless you are hospitalized, drugs, serums and injectables that can only be obtained upon medical prescription, that are prescribed by a physician and that are supplied by a licensed pharmacist when required as a result of an emergency. This benefit does not cover drugs, serums and injectables necessary for the continued stabilization of a chronic medical condition, except in case of emergency.

-Paramedical Services Treatment provided by a paramedical practitioner up to a maximum of $500, provided such treatment is prescribed by a physician and approved in advance by Global Excel. Paramedical Practitioner means a legally qualified chiropodist, chiropractor, osteopath, physiotherapist or podiatrist who is lawfully entitled to practice in the state, province or territory in which the treatment is provided, and who is practicing within the scope of his/her licensed authority. Your paramedical practitioner must be a person other than yourself or an immediate family member.

Emergency Medical Benefits
When prescribed by a physician and approved in advance by Global Excel, minor appliances such as casts, splints, canes, slings, trusses, braces, crutches and/or rental of a wheelchair.

Emergency Air Transportation:

When approved in advance and arranged by Global Excel, the following benefits apply to return you to your country of origin or your province or territory of residence in Canada. (Please refer to Section VI – Limitations and Restrictions # 7 - Transfer or Medical Repatriation.)

1. a) Air ambulance to the nearest appropriate medical facility, to a Canadian hospital or to a hospital in your country of origin for medical treatment;
2. b) Transport on a licensed airline with an attendant (when required) for your emergency return to your country of origin or your province or territory of residence in Canada for immediate medical attention;
3. c) The fare for additional airline seats to accommodate a stretcher to return you to your country of origin or your province or territory of residence in Canada; or
4. d) Up to the cost of a one-way economy airfare to return you to your country of origin or your province or territory of residence in Canada.

EXCLUSIONS:

This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:
1. Pre-existing medical condition(s)

Any sickness, injury or medical condition for which at any time prior to your effective date:

a) a) you have experienced symptoms;
b) you have received medical care, advice, investigation or medical treatment
c) you have been hospitalized;
d) you have been prescribed (including prescribed as needed) or have taken medication; or
e) you have undergone a medical or surgical procedure.

ELIGIBILITY:

To be eligible for coverage under this plan, the applicant must
a) be a visitor to Canada, a person with a Canadian work visa or Super Visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government health insurance plan in Canada;
b) not have been in Canada for more than 2 consecutive years prior to the policy effective date;
c) be at least 15 days of age on the date of purchase;
d) not be travelling against the medical advice of a physician and/or have been diagnosed with a terminal illness. A terminal illness means that you have a medical condition that is cause for a physician to estimate that you have less than 6 months to live or for which palliative care has been received.
e) not have a kidney disease requiring dialysis;

Claims:

The insured person is responsible for providing all the documents outlined below and for any charges levied for these documents.To file a claim, the insured person must submit:

a) a fully completed Claim Form (provided by the Assistance Company upon notification of claim);
b) All original itemized bills from the medical provider(s) stating the patient’s name, diagnosis, all dates and type of treatment, and the name of the medical facility and/or physician;

Who Can Apply?

a) Visitors to Canada;
b) Canadians who are not eligible for benefits under a government health insurance plan;
c) Persons who are in Canada on a work visa or Parent and
Grandparent Super Visa; or
d) New immigrants who are awaiting Canadian government health insurance plan coverage.

Super Visa Insurance Rates:

LOWEST RATES - Super Visa Insurance - ONLINE QUOTES