Peace of Mind
In an accident or emergency away from home, the last thing you want to worry about is the bill.  Be protected with StudentPlan - your provincial health plan does not cover all costs.

In Canada - StudentPlan pays expenses your provincial health plan does not, including prescription drugs.

Out of Canada - StudentPlan pays all costs of care, including physicians, hospitals and more.

Affordable
Health care shouldn't have to be a financial burden.  StudentPlan provides the protection you need at the lowest possible cost.

24-Hour Worldwide Assistance
Wherever you are, our travel assistance firm will verify your coverage and make hospital and emergency medical arrangements for you.

Tax Advantages
Your premiums for StudentPlan are eligible medical expenses under the Canadian Federal Income Tax Act.

GMS Gets the Bill
Present your GMS StudentPlan card.  Most health care providers bill GMS directly so no extra money comes out of your pocket.  Send other bills to GMS for guaranteed prompt payment or reimbursement.
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• STUDENT PLAN BENEFITS
   
  When eligible expenses are incurred outside of Your Province of Residence due to Emergency Treatment of sudden or unexpected illness or Accidental bodily injury, Group Medical Services ("GMS") will cover the Reasonable and Customary charges for the following benefits in excess of the amount permitted and/or paid by the government health insurance plan of Your last Province of Residence and/or any other insurance plans.  The maximum amount payable under this policy is $1,000,000 per person. 

Hospitalization

• Hospital room and board charges, up to semi-private, unless specified by a Physician.  If medically necessary, charges for intensive and coronary care units are included.

Medical services

• Treatment by a Physician or Surgeon.

Diagnostic Services

• X-rays and other diagnostic tests. Magnetic resonance imaging, computerized axial tomography scans, sonograms, untrasounds, and biopsies are excluded, unless pre-authorized by GMS.

Hospital Services

• Use of an operating room, anesthesia, and surgical dressings.

Out-patient Treatment

• Out-patient Emergency room charges.

Prescription Drugs

• In Emergency situations, drugs and medication obtained on the prescription of the attending Physician and supplied by a licensed pharmacist, to a maximum of $1,000 per person per calendar year.  Refills of prescriptions, any associated Physician's fees, contraceptives, diet drugs, preventative medicines, drugs for cosmetic purposes, over-the-counter drugs and experimental drugs are excluded from coverage. 

Private Duty Nursing

• Expenses to a maximum of $5,000 per person per calendar year for the professional services of a Registered Nurse (non-family member) for private duty nursing while hospitalized during an acute Emergency illness or injury.

Road Ambulance

Charges for the use of a licensed road ambulance in an Emergency situation that requires immediate transportation to the nearest Hospital where adequate facilities are available.

Air Ambulance

• Charges for the use an air ambulance or regularly scheduled airline to transport You back to Your Province of Residence from outside of Canada for further in-hospital Treatment, upon the written recommendation of the attending Physician and with prior GMS approval.

Special Attendant

• GMS will reimburse the cost of one return trip economy airfare for a medical attendant, if medically necessary and pre-approved by GMS, to accompany You back to Your Province of Residence. The attendant must not be a friend, relative, or associate of the patient.

Return of Family Member

• Reimbursement of a one-way, economy class airfare by the most direct route to the Departure Point, to a maximum of $1,000 per person per calendar year, for the return of one (1) covered, accompanying family member if GMS requires that You return to Canada for immediate medical Treatment or in the event of Your death.  This benefit must be pre-approved by GMS.

Paramedical Services

• Charges, up to an aggregate maximum of $300 per person per calendar year, for the Emergency srevices of a massage therapist, osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist.

Accidental Dental

• Expenses for the repair or replacement of natural teeth or permanently attached artificial teeth necessitated by an Accidental blow to the mouth, to a maximum of $2,000 per person per calendar year.  Expenses for Treatment of the relief of dental pain, to a maximum of $250 per person per calendar year for such Treatment.

Return of Remains

• When death results from a covered Emergency, the charges for either the preparation and transportation of the deceased to his/her Province of Residence, to a maximum of $3,000 per person, or the cost of cremation or burial at the place of death, to a maximum of $2,000 per person.

Family to Bedside

• Reimbursement of round-trip, economy class airfare by the most direct route, up to a maximum of $3,000 per person per calendar year, in the event You become hopsitalized for at least three (3) consecutive nights as a result of a covered Emergency, and the attending Physician advises the necessary attendance of one (1) of Your family, members or close friends.  In addition, reimbursement of up to $150 per day to a maximum of $750 per person per calendar year for reasonable expenses incurred by the transported person, once they arrive.  Original paid receipts for the costs incurred are required.  This benefit must be pre-approved by GMS.

Family Transportation

• Charges for a single round trip, economy class airfare for an Immediate Family Member plus up to $300 per person per calendar year for meals and accommodation, to an aggregate maximum of $2,000 to identify the deceased.

Return of Vehicle

• The costs up to $2,000 per calendar year, with GMS approval, for returning Your vehicle, either private or rented, to Your residence or nearest appropriate vehicle rental agency, when You and any travel companions are unable to do so due to unexpected illness or Accidental injury.  This benefit is only available when GMS returns You to Your Province of Residence for further in-hospital medical Treatment.  Eligible costs include the return of a vehicle performed by a professional agency or the following necessary and reasonable expenses incurred by an individual returning the vehicle on Your behalf: fuel, meals, overnight accommodation, one-way economy airfare.  Expenses incurred by anyone travelling with the person returning the vehicle are not covered.  Written medical certification and original paid receipts for the costs incurred are required.

Return of Cat or Dog

• Reimbursement up to $300 per person per calendar year to return Your cat or dog to Your Province of Residence, when GMS returns You to Your Province of Residence for further in-hospital medical Treatment.

Child Care

• Reimbursement up to $500 per person per calendar year, with prior GMS approval, for licensed care of dependent children if they are travelling with You, should You be hospitalized for forty-eight (48) hours or more due to a medical Emergency.

Escort of Insured Children

• Reimbursement of one-way, economy class airfare by the most direct route to return an accompanying child/children (up to the age of eighteen (18) years), and an escort when necessary, to the original point of departure.  This benefit must be pre-approved by GMS.

Coverage Continuation

• If coverage expires while hospitalized due to an Emergency, coverage will continue for You, Your Spouse and any dependants travelling with You, up until seventy-two (72) hours after discharge from Hospital.

Out of Pocket Expenses

• Reimbursement of Reasonable and Customary charges, up to $150 per day to a maximum of $1,000 per person per calendar year, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event that You are hospitalized on the scheduled Return date to Canada, as indicated on Your StudentPlan application.  Original paid receipts for the costs incurred are required.  This benefit must be pre-approved by GMS.

24 Hour Travel Assistance Services

• Coordination of all medical care, transportation, and repatriation.
• Telephone interpretation services in most languages. 
• Monitor progress during Treatment and recovery by managed care.

This is not a policy, it is only a summary of the benefits. Please refer to the policy document for full details.