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61 Cards in this Set
- Front
- Back
- 3rd side (hint)
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What does OHIP stand for? |
Ontario Health Insurance Plan |
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Who is eligible to be covered by OHIP? |
Ontario residents |
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What are the criteria to be eligible for OHIP? |
-Canadian citizen -Immigration status -Principal-permanent resident in Ontario -Physically present in Ontario 153 days in any 12 months period |
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When is someone eligible to be covered by OHIP? |
-After 3 months of residency in Ontario if former Ontario resident -Landed immigrant status -Canadians relocating to Ontario from another province |
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How long will OHIP provide continuous coverage during a temporary extended absence? |
212 days
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Why purchase travel insurance for travel within Canada? |
Includes: -return of veh -ambulance -return of body |
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What are the two main types of travel policies that are available? |
-Single trip (daily) -Multi-trip |
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What types of travellers are there? |
-Long term -Short term -Frequent -Expatriate -Visitor to Canada |
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What is a "top-up"? |
Increases the trip days to limit of an annual multi-trip policy by purchase of a single trip policy to cover the number of days required |
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When does travel insurance pay when other policies are available to provide coverage? |
All other coverage is primary to the travel policy. Travel insurance moves to the back of the line in regards to payment. |
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When does the coverage begin for a single trip policy? |
Day insured leaves home on the first travel date |
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When does the coverage begin for an annual multi-trip policy? |
Day the insured leaves home on the first travel date and continues each time the insured leaves home |
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When is the premium for a travel insurance policy required? |
At time of purchase and coverage is not bound until payment is received. |
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When does coverage end for Single Trip policies and top-ups? |
-upon return home -trip ends -trip is cancelled -when days purchased have been used up |
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When does coverage end for annual Multi-trip policies? |
-every time insured returns home -number of days purchased per trip has expired -364 days after the policy was taken out |
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How long is the automatic extension of the travel policy? |
72 hours |
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What are the three reasons an extension will be granted? |
-carrier delayed - insured or travel companion hospitalized on return date -medical condition not requiring hospitalization, but delays travel |
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What is the maximum time a policy can be extended? |
12 months |
Actually 212 days |
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Under what circumstances can a trip be extended? |
If there have been no new medical conditions or claims subject to approval of travel insurer |
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Can a travel policy be cancelled? |
Yes-subject to a cancellation/administration fee |
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When will a premium refund be allowed on a travel policy? |
If trip is shortened and there are no claims |
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What are the requirements following a travel insurance claim? |
Call assistance line prior to treatment |
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How is travel insurance underwritten? |
Once there is a claim |
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What is covered under Emergency Medical coverage? |
-emergency medical attention -chiropractor -podiatrist -ambulance -emergency dental -costs related to insured's death -medical evaluation -extra expenses for travel companions -cost to bring someone to bedside -return of children under insured's care -cost of travel companion -cost to return vehicle home
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Is there a limit on how much will be paid for private duty nursing? |
Up to stated amount on the policy |
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What expenses will be paid when the insured dies on vacation? |
-return of body -return home of ashes with cremation in place of death -preparation and cost of burial in place of death -cost to bring someone to identify the body |
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Will Emergency Medical pay for the cost to bring the insured home because of an insured medical condition? |
Yes |
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Will Emergency Medical pay to bring someone to the bedside of an insured that becomes ill or is hurt while travelling alone? |
Yes |
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Does Emergency Medical coverage pay to return a child home if they are travelling with the insured that becomes ill and has to be hospitalized? |
Yes |
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Will Emergency Medical coverage pay the additional cost when a rental vehicle is unable to be returned to the place it was borrowed from-due to a medical emergency? |
Yes |
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When does the policy provide Emergency Medical coverage? |
-when the condition is unexpected -not covered totally by GHIP or any other plan -when ordered by a physician |
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What is covered under Professional Services? |
-chiropractor -podiatrist -physiotherapist -osteopath
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What is covered under Ambulance Transporation? |
Local ground ambulance
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What is covered under Emergency Dental Treatment? |
Accidental blow to the mouth |
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What is covered under Medical Evacuation? |
Cost to bring the insured person home on recommendation of their doctor |
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What extra expenses will the policy pay for a travel companion stranded due to hospitalization of their travel companion? |
-meals -hotels -phone calls -taxi |
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What is a pre-existing medical condition? |
Sickness, injury, or medical condition that existed prior to the effective date of the trip |
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What make a pre-existing medical condition unstable? |
-new symptoms -condition worsens and person is hospitalized -medication has been prescribed, changed or reduced
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What time periods are used to determine un-stability? |
Time periods are dependent on age of the insured |
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Is coverage available for medical expenses resulting from an unstable pre-existing condition? |
No- pre-existing condition usually excluded by most travel policies
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Is diagnosis of a pre-existing medical condition necessary for the condition to be excluded as unstable? |
No-if it occurred prior to departure and the insured was aware of it...it is deemed to be a pre-existing condition |
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How do travel insurers deal with and underwrite pre-existing conditions? |
May offer a higher deductible to reduce the cost of the policy if they are going to cover certain types of pre-existing conditions |
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What else besides unstable pre-existing may be excluded from the Emergency Medical portion of the travel policy? |
-certain hazardous sports -while working professionally -in armed forces -contact of sexual diseases -non-disclosure on application -any costs not arising from a medical emergency -costs arising from a trip to a country that the federal government has issued a travel advisory |
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What coverage reimburses the traveller the non-refundable prepaid portions of a trip if it has to be cancelled due to a medical emergency prior to departure? |
Trip Cancellation |
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What coverage reimburses the traveller the non-refundable prepaid portions of a trip if it has to be cancelled due to a medical emergency in the midst of the trip? |
Trip Interruption |
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What is covered event for Trip Cancellation and Trip Interutption? |
-delay due to weather -death or illness of an insured -travel companion or family member of insured or travel companion -jury duty |
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What types of expenses does Trip Interruption pay? |
-additional cost to return home -reimbursement for prepaid travel expenses that are non-refundable |
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What does Baggage coverage cover? |
Loss and delay of baggage |
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What is GHIP? |
Government health insurance plans |
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How many days do you need to reside within Ontario in order to maintain the health insurance coverage? |
153 days |
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What is trip interruption defined as? |
When you need to end your trip unexpectedly |
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What is flight accident coverage? |
Coverage that pays for the death or loss of limb or sight due to an aircraft accident |
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What sporting activity is included? |
Skiing is covered |
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Does a visitor to Canada insurance policy include pre-existing conditions? |
No specifically excludes all pre-existing conditions regardless of stability |
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A medical condition is deemed to be "stable" if: |
Medical treatment has not been recommended,required or obtained,with symptoms have not appeared or changed and there is no change in prescribed medication |
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What coverage would an expatriate returning to Ontario require ? |
Visitors to Canada insurance |
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What does repatriation not include? |
Cost of insureds entire family to attend a funeral service where the insured died |
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How much will OHIP pay per day for confinement to an out of country hospital? |
$400 per day |
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What's the 1st thing you do when you have a medical emergency on a trip? |
Call your insurance emergency assistance hotline number |
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OHIP ceases your cover for health care after how many days Of you being absent from Ontario? |
212 Days |
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Is injury by feeding a wild animal covered? |
Yes it will be covered in full |
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