Barrons Financial Advisory Services -

EXPRESS PLAN

This plan provides you with our Assistance Program at no extra charge. A unique program of services and privileges for your well-being.

Consulting services
Support services
Information and prevention
Member discounts

Your partner in health

LIFE EXPRESS
You can select an amount of Life insurance up to $20,000.

ELIGIBILITY AND AMOUNTS OF LIFE INSURANCE OFFERED
(in $1,000 increments)
40 to 64 years of age             $2,000 to $20,000
65 to 70 years of age              $2,000 to $6,000
71 to 79 years of age                               $2,000

Limitations
If death occurs during the first six months after the insurance contract comes into effect or is reinstated, Blue Cross’s liability is limited to reimbursement of premiums paid for this benefit.

However, if death occurs after the sixth month but before the end of the first year of insurance, or of the reinstatement of insurance, Blue Cross’s liability is limited to $2,000 plus the difference between the premium for the selected amount of insurance and that for $2,000 of insurance.

If death from heart disease occurs between the 12th and the 24th month of insurance, or of the reinstatement of insurance, the amount insured is limited to 50% of the selected amount of insurance but no less than $2,000.

Suicide
In case of suicide or consequence of any suicide attempt in the first 12 months following the effective date of this benefit or of its reinstatement, whether or not you are of sound mind at the time of the suicide or the suicide attempt, the coverage shall be null and void and Blue Cross’s liability to reimbursement of premiums collected for this coverage or for the increase in the amount insured, as the case may be.

ACCIDENTAL DEATH
You may choose up to $500,000 of coverage in case of accidental death.

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $25,000 increments)
16 to 69 years of age $25,000 to $500,000
70 to 79 years of age $25,000

Waiver of Premiums
If you become totally disabled before your 60th birthday, you are not required to pay premiums for coverage under this benefit as of the fourth month after the onset of total disability and for as long as you remain totally disabled, though not beyond age 65.

Reduction
The amount of insurance is reduced to $25,000 when you reach age 70.

ACCIDENTAL LOSS OF USE
This benefit provides compensation in case of accidental loss of hearing, sight, speech or use of limbs.

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $25,000 increments)
16 to 64 years of age $25,000 to $500,000

Loss	% of amount insured
Sight of both eyes	100%
Both hands or both feet	100%
One hand and one foot	100%
One hand and sight of one eye	100%
One foot and sight of one eye	100%
Hearing and speech	100%
One arm or one leg	75%
One hand or one foot	50%
Sight of one eye or hearing or speech	50%
Thumb	25%
Finger other than the thumb	6.25%

Waiver of premiums
If you become totally disabled before your 60th birthday, you are not required to pay premiums for coverage under this benefit as of the fourth month after the onset of total disability and for as long as you remain totally disabled, though not beyond age 65.

Limitations

The maximum amount payable in one or more instalments for all losses subsequent to amputation of the thumb or fingers may not exceed 50% of the amount insured you have selected.
The maximum amount payable in one or more instalments for all losses over a period of 365 days stemming from any one accident may not exceed 100% of the amount insured you have selected.

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 70th birthday.

LIFE, ACCIDENTAL DEATH AND LOSS OF USE – CHILD
This benefit provides a lump-sum payment in case of natural death, accidental death or accidental loss of hearing, sight, speech or use of limbs.

AMOUNTS OF INSURANCE OFFERED
(in $2,500 increments)
$2,500 to $25,000

Suicide
In case of suicide or consequences of any suicide attempt in the first 12 months following the effective date of this benefit or of its reinstatement, whether or not the insured child is of sound mind at the time of the suicide attempt, the coverage shall be null and void and Blue Cross’s liability limited to reimbursement of premiums collected for the coverage or for the increase in the amount insured, as the case may be.

Loss	% of amount insured
Life	100%
Sight of both eyes	100%
Both hands or both feet	100%
One hand and one foot	100%
One hand and sight of one eye	100%
One foot and sight of one eye	100%
Hearing and speech	100%
One arm or one leg	75%
One hand or one foot	50%
Sight of one eye or hearing or speech	50%
Thumb	25%
Finger other than the thumb	6.25%

Eligible Expenses
Total disability of a student
When an insured child who is a student becomes totally disabled as a result of an accident, Blue Cross will pay him/her $200 per week (or $28.75 per day in the case of an incomplete week) for the period from June 1 to August 31 inclusive immediately following the date of the accident, provided the insured child is still disabled during this period. The seven-day waiting period is however applicable.

Academic Rehabilitation
Blue Cross will pay tuition for private courses or for re-education, including school transportation, to a maximum of $5,000 per accident. The insured child must undertake the rehabilitation within six months of the accident.

Limitations

The maximum amount payable in one or more instalments for all losses subsequent to amputation of the thumb or fingers may not exceed 50% of the amount insured you have selected.
The maximum amount payable in one or more instalments for all losses over a period of 365 days stemming from any one accident may not exceed 100% of the amount insured you have selected.

End of Coverage
Coverage ends the day you are no longer covered under this contract, or when the insured child no longer needs the criteria of the definition of a dependent child in the GENERAL PROVISIONS of your contract.

HOSPITAL ALLOWANCE EXPRESS
This coverage provides payment of a daily allowance in the event of hospitalization for short-term care due to accident or illness.

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $25 increments)
16 to 74 years of age $25 to $100/day

Reimbursable Expenses
The allowance is doubled if you are hospitalized (maximum 30 days per hospitalization) outside your province of residence at least 50 km from your principal residence.

The allowance is doubled if you are hospitalized (maximum of 30 days per hospitalization) for cancer or heart attack, or if you are placed in intensive care.

Travel Allowance
A travel allowance of up to $20 per visit is provided for outpatient care recommended by a doctor following hospitalization for which allowances were payable – upon presentation of proof of the visit – to a maximum of two visits per week and a lifetime maximum of $500.

Moving Allowance
In the event that you must move to a residential and long-term care centre following hospitalization, Blue Cross will pay you a lump-sum amount of $1,000 to cover your moving expenses.

If you were not hospitalized before moving, Blue Cross will pay you a lump-sum amount of $500.

For the lump-sum amount to be payable, the benefit must be effective for at least 12 months.

Day Surgery
In the event of day surgery, Blue Cross pays a daily allowance for a three-day convalescence immediately following the date of the day surgery. The total benefit payable is equal to four days, the day of surgery included.

Convalescent Benefit
Duration of hospitalization	Number of days of convalescence payable
1 to 5 days	3 days
6 to 10 days	4 days
11 to 15 days	5 days

If you are still totally disabled following a hospitalization of more than 15 days, Blue Cross will pay an additional convalescence allowance for every day of hospitalization beyond the 15th day, to a maximum of 60 days of hospitalization.

Maximum Benefit
The maximum lifetime benefit is 1,000 days per person insured.

Important Definitions

Hospitalization means admission to a hospital to receive short-term care as a bedridden patient for a minimum stay of 18 hours.

Covered short-term care comprises preventive care, medical diagnosis and medical treatment (including surgery) for an acute illness and does not include convalescent care and physical or mental rehabilitation.

In case of day surgery, the hospital stay is equivalent to 18 hours of hospitalization.

Residential and long-term care centre means an establishment that offers, on a permanent basis, lodging, assistance, support, supervision and psychosocial services for those who have experienced a loss of functional or psychosocial autonomy, especially elderly people who can no longer live in their current life environment.

Limitations
This benefit must be in effect for at least six months for entitlement to allowances in the event of hospitalization for pregnancy, childbirth or miscarriage. However, if the hospitalization occurs between the sixth and the ninth month after the insurance comes into effect, an allowance of $10 per day of hospitalization shall be paid, to a maximum of three days.

No allowance shall be paid for the five years following the coming into effect or reinstatement of the insurance in the event of hospitalization for anything other than an accident if, on the commencement date or the reinstatement date of the contract and the benefit, you have acquired immunodeficiency syndrome (commonly known as AIDS) or are a carrier of HIV.

PREMIUM REFUND UPON DEATH
Blue Vision offers an attractive complement to the hospital allowance express benefit.

In the event of your death, your beneficiary can receive a percentage of the premiums paid for the hospital allowance express benefit and for this benefit, as per the following table.

Your age at time of issue	% of premiums refunded
16 to 54 years of age	100%
55 to 74 years of age	50%

Your premium depends on your age at time of issue and the hospital allowance express benefit amount you have selected.

In all cases, any claims paid under the hospital allowance express benefit are subtracted from the amount of the refund.

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 80th birthday.

CRITICAL ILLNESS ASSISTANCE
With this benefit, you may, if you wish, obtain assistance services to receive medical care outside your province of residence in the event of diagnosis of a critical illness.

In addition, the critical illness benefit protects you against the financial impacts of a critical illness that prevents you from performing your daily activities.

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $5,000 increments)
16 to 59 years of age $5,000 to $15,000

Assistance for medical care outside your province of residence in the event of critical illness
Should you wish to receive medical care outside your province of residence following diagnosis of a critical illness, we offer the following assistance services:

Examination of your medical record, evaluation and recommendation of establishments (hospitals, clinics, etc.) or resource people (doctors, surgeons, etc.) recognized for their expertise in providing the required care
Coordination of transfer of pertinent medical records
Organization of transportation, lodging and post-hospitalization care, if needed
Access to competitive prices for services required

Reimbursement of expenses in the event of critical illness
If you are diagnosed with one of the critical illnesses covered by your Blue Vision contract or under a critical illness contract issued by another insurer for which the amount insured is at least $25,000, Blue Cross will reimburse the following expenses:

Adaptation
Necessary costs for services of an occupational therapist and for adaptations to your car and principal residence, to a lifetime maximum benefit of $5,000 per person insured, if you suffer a permanent motor impairment as a result of a critical illness.

Travel expenses
Travel expenses incurred for you to receive care or medical follow-up, to a lifetime maximum of $2,500.

Costs for household help and/or childcare
On recommendation of the attending physician, costs of household help and/or childcare provided by a person not residing with you to a daily maximum of $25 and a lifetime maximum of $1,000.

Critical Illnesses
The amount insured under this benefit may be paid only once.

Definitions of the critical illnesses covered by this benefit:

Cerebrovascular accident (Stroke)
Diagnosis (by a neurologist or internist licensed and practising in a Canadian province) of a cerebrovascular incident causing infarction of brain tissue, due to hemorrhage, thrombosis or embolism with measurable and objective signs of neurological deficit persisting for at least 28 days following the occurrence of the stroke.

The following are excluded:

Any incident whose symptoms last less than 24 hours
Transient ischemic attacks (TIA)

Cancer
Diagnosis (by a physician licensed and practising in a Canadian province) of a malignancy characterized by uncontrolled growth and spread of malignant cells and the invasion of tissue, including lymphoma, Hodgkin’s disease and all chronic or acute leukemias.

The following are excluded:

Cancer in situ
Any skin cancer other than invasive malignant melanoma more than 0.7 mm into the dermis
Stage T1a or T1b prostate cancer

No benefit is payable if in the 90 days following the effective date of this benefit cancer is diagnosed, or symptoms appear and give rise to examinations which lead to a diagnosis of cancer of any sort.

Heart attack
Diagnosis (by a cardiologist or internist licensed and practising in a Canadian province) of the death of a portion of heart muscle resulting from inadequate blood supply to that portion. The diagnosis must be based on both of the following:

New electrocardiographic changes, which support the diagnosis of a heart attack
Elevation of cardiac enzymes or troponins

The following are excluded:

Electrocardiographic changes resulting from a past heart attack

Terminal renal insufficiency (Kidney failure)
Irreversible end-stage renal failure requiring regular, long-term extracorporeal dialysis or renal transplantation, or both in succession. The necessity of continuous dialysis treatment must be certified by a qualified nephrologist.

Coronary artery bypass
The undergoing of surgery recommended (by a consulting cardiologist licensed to practice in Canada) to correct narrowing or blockage of one or more coronary arteries with bypass grafts. Non-surgical techniques such as balloon angioplasty, laser relief of an obstruction or any other procedure that does not involve a bypass are specifically excluded.

Critical illness covered by another insurer
In addition, if you suffer one of the conditions or illnesses covered by a critical illness contract issued by another insurer for which the amount insured is at least $25,000, you will be paid $1,000, provided payment is made by the other insurer, for any illness not covered under your Blue Vision contract.

Premium refund upon death
In the event of your death, Blue Cross will reimburse your beneficiary for all premiums paid for this coverage less the amount of any payments.

Pre-existing conditions
No benefits will be paid during the first 12 months following the coming into effect of this benefit if the critical illness results from a disease for which you consulted a health professional in the three months preceding the coming into effect of this benefit.

If during the 60 days preceding the coming into effect of this benefit you applied for a critical illness contract with another insurer covering the five diseases listed under CRITICAL ILLNESSES, provided the amount of insurance was at least $25,000 and your application was accepted, Blue Cross will not apply the pre-existing conditions provision mentioned above.

Limitation
No benefit is payable in the event of death in the 30 days following diagnosis of a critical illness.

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 70th birthday, or on the date a benefit is paid for one of the given critical illnesses covered under the Blue Vision contract.

PREMIUM REFUND AT TERMINATION DATE
This benefit provides for refund of 75% of premiums paid for this benefit and for the critical illness assistance benefit.

In all cases, any claims paid under the critical illness assistance benefit are subtracted from the amount of the refund.

Under no circumstances may the total reimbursement exceed the amount insured under the critical illness assistance benefit.

ELIGIBILITY
16 TO 59 years of age

If you select the premium refund at termination date benefit, you must also select the level-premium critical illness assistance benefit.

Your premium is based on your age at issue and the amount of insurance you have selected for the critical illness assistance benefit.

End of coverage
Coverage ends on the contract anniversary coinciding with or following your 70th birthday or on the date a benefit is paid for one of the critical illnesses covered under the critical illness assistance benefit.

ACCIDENTAL FRACTURE
This benefit provides for payment of a lump-sum amount in case of fracture suffered by you or a member of your family.

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $5,000 increments)
16 to 69 years of age $5,000 or $10,000

Lump sum payable ($)		You and your spouse
Fracture	Coverage 1	Coverage 2
Skull	$5,000	$10,000
Spinal column	$5,000	$10,000
Pelvis	$5,000	$10,000
Femur	$5,000	$10,000
Hip	$5,000	$10,000
Sternum	$1 250	$2,500
Larynx	$1 250	$2,500
Trachea	$1 250	$2,500
Scapula	$1 250	$2,500
Coccyx	$1 250	$2,500
Radius	$1 250	$2,500
Humerus	$1 250	$2,500
Ulna	$1 250	$2,500
Kneecap	$1 250	$2,500
Tibia	$1 250	$2,500
Fibula	$1 250	$2,500
Other bone	$500	$1,000

If you elect the family or single-parent plan, the lump sum for your child or children is equal to 50% of the lump-sum amount specified in the table above.

Limitation

The amount payable for multiple fractures is limited to the highest amount payable for any one of the fractures.
When you reach age 70, the lump sum payable according to the table above, depending on the coverage selected, is reduced by 25%
When you reach age 75, the lump sum payable according to the table above, depending on the coverage selected, is reduced by 50%.

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 80th birthday.

POST-ACCIDENT ADAPTATIONS

This benefit covers costs of indispensable adaptations to your car and principal residence in case of permanent motor impairment as a result of an accident.

This benefit is offered to you or a member of your family.

ELIGIBILITY AND AMOUNT OF INSURANCE OFFERED
16 to 69 years of age $15,000

Important definition
Permanent motor impairment means a physical impairment that prevents the production of a movement.

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 80th birthday.

MEDICAL EXPENSES DUE TO ACCIDENT
Blue Vision will reimburse medical expenses related to an accident suffered by you or a member of your family.

ELIGIBILITY
16 to 69 years of age

Eligible expenses
Purchase or lease of equipment
Unlimited reimbursement

Canes
Casts
Crutches
Orthopedic corsets
Oxygen systems
Respirator
Standard manual hospital bed
Standard no-motorized wheelchair
Trusses

Walkers

Prostheses and accessories
$100 per calendar year
for the purchase of the following:

Support hose

$200 per calendar year
for the purchase of the following:

Artificial eye or an artificial limb
Foot ortheses
Orthopedic shoes

X-rays by a chiropractor

$25 per calendar year

Ambulance
Unlimited reimbursement

Costs of laboratory tests

Unlimited reimbursement

Hospitalization
(semi-private room)
Unlimited reimbursement

$50 per day if costs are reimbursed by other insurance

$50 for any day surgery required due to an accident

Paramedical services
$20 per treatment and an overall maximum of $300 per calendar year

Audiologist
Chiropractor
Osteopath
Physiotherapist
Podiatrist
Psychologist
Speech therapist

Nursing care

20 eight-hour periods per calendar year

Dental care
Up to $1,000 per accident

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 80th birthday.

BASIC OR DELUXE TRAVEL INSURANCE
This is a complete travel-insurance benefit that includes many advantages and services as well as procedures for worry-free settlements in case of trouble?

A simple and practical solution that lets you travel with peace of mind anywhere in the world. This coverage is offered under the Blue Vision contract for you or a member of your family.

ELIGIBILITY
16 years of age and over

Cover trips of 15 days or less for basic coverage or 30 days or less for deluxe coverage
Thanks to this convenient (annual multi-trip plan) and flexible protection, you can take care of your travel insurance needs once and for all, allowing you to leave any time during the year, while enjoying a variety of exceptional benefits.

$5,000,000 hospital and medical benefit
No matter how often you travel during the year, you can count on complete health insurance protection of $5,000 000.

Hospital, medical and paramedical expenses
In the event of illness or injury, all your health costs are covered so that your sole concern can be your speedy recovery:

Hospitalization in a private or semi-private room
Physicians’ fees
Private nursing fees
Professional services
Laboratory tests costs
Prescription drugs for emergency treatment
Purchase or rental of medical equipment
Costs associated with hospitalization
Dental expenses due to an accident

Transportation costs
Blue Cross will see to it that you get where you need to be to receive the health care services you require, while your family and loved ones are there by your side:

Repatriation to your home province
Land or air ambulance services
Return of a private or rental vehicle
Baggage return
Pet return
Family visits to insureds in hospital
Repatriation of the deceased

$3,000 subsistence allowance
If your return, or that of a family member must be delayed due to illness or injury, you are allowed up to $3 000 to cover the costs of meals and accommodations (maximum of $300 per day).

Round-the-clock Can Assistance travel assistance

As soon as you subscribe to the travel insurance plan, you receive automatic access to free travel assistance services. Wherever or whenever the need arises, you can rest assured that an experienced team of specialists will be there to help… in any of 100 different languages.

Travel insurance and more… a complete range of services
Wherever you may be, an expert medical team is committed to your care, ready to provide you with:

Referrals to an appropriate physician, clinic or hospital
Medical follow-up
Interpreter services for emergency calls
Communications with your family doctor
Repatriation of an insured and his/her dependents to Canada
Coordination of the return of a private or rental vehicle
Coordination of claims with the Ontario Health Insurance Plan (OHIP)
Payments and money transfers

Medical follow-up in Canada
In case of repatriation to Canada at the Insurer’s expense after a hospital stay out of Canada, this coverage reimburses the following costs if they are incurred within 15 days of the repatriation.

Semi-private room in a hospital,
Rehabilitation centre of a convalescent home up to $1,000

Home nursing care fees up to $50 per day
When medically required for a maximum of 10 days

Rental of devices (crutches, standard walker,
Canes, trusses, orthopedic corset and oxygen) up to $150

Transportation (ambulance and/or taxi)
To receive medical care up to $250

Additional benefits for deluxe coverage only
With the hospital and medical benefit, this protection includes trip cancellation or interruption insurance, as well as protection against the loss or theft of your baggage.

Trip cancellation or interruption benefit up to $2,500

Baggage benefit up to $500

Important
Before departure, do not forget to consult the PRE-EXISTING CONDITIONS and the EXCLUSIONS AND REDUCTIONS applicable to this benefit.

BASIC OR DELUXE HOME HEALTH CARE
The ideal coverage for a peaceful stay at home while recovering from an illness or accident that required hospitalization.

This benefit covers the eligible expenses described below when incurred in Canada if you or a member of your family are unable to perform at least two activities of daily living unassisted following hospitalization or medical consultation.

ELIGIBILITY
16 years of age and over

Important definition
Activities of daily living: eating, dressing, using the toilet, transferring, bathing/showering.

ELIGIBLE EXPENSES COVERED AT 100%
The expenses below may not be combined.

Certified nursing assistant or home health aide
Expenses for the services of a certified nursing assistant or an aide from an agency specializing in home care to help you perform at least two activities of daily living, to a maximum of $50 per day for basic coverage and $70 per day for deluxe coverage.

Friend of relative
Expenses for the services of a friend or relative who does not reside with you to help you perform at least two activities of daily living, to a maximum of $25 per day for basic coverage and $35 per day for deluxe coverage.

Expenses in this SECTION and under TRANSPORTATION EXPENSES are subject to the number of days of coverage and the maximum period of incurring these expenses, as set forth in the following tables:

Number of days of coverage
Duration of short-term care hospitalization	Number of days of coverage
1 to 3 days	5 days
4 to 7 days	7 days
8 to 14 days	14 days
More than 14 days	21 days
Following medical consultation	Number of days of coverage 5 days

Maximum period for incurring expenses as a hospital discharge
Duration of short-term care hospitalization	Maximum period for incurring expenses
1 to 3 days	7 days
4 to 7 days	14 days
8 to 14 days	28 days
More than 14 days	35 days
Following medical consultation	Maximum period for incurring expenses 7 days

ELIGIBLE EXPENSES COVERED AT 80%
(Basic or Deluxe coverage)

Transportation expenses
Costs of transportation to receive care or medical follow-up after hospitalization or medical consultation during the coverage period: $0.25/km for use of a private automobile or for the cost of a taxi ride, to a maximum of $50 of eligible expenses daily (including parking costs, if applicable) and a maximum payable amount of $500 per calendar year.

If you have cancer, your transportation expenses are payable for maximum period of three months, and the maximum amount payable is $1,500 per calendar year.

The condition that you be unable to perform at least two activities of daily living unassisted does not apply to the transportation expenses section.

Medical supplies
Costs incurred for purchase of medical supplies required to treat an illness or in case of an accident when you receive care from a registered nurse in your home, to a maximum of $150 of eligible expenses per calendar year.

ELIGIBLE EXPENSES COVERED AT 80%
(Deluxe coverage only)

Home conversion expenses
If you become totally disabled due to accident or illness and you are, as a result, permanently unable to perform at least two activities of daily living unassisted, Blue Cross will pay expenses to convert your home, to a maximum of $5,000.

Home conversion costs must be incurred within six months of hospital discharge.

Costs of meals and accomodation
If you must receive treatments for follow-up treatments in case of cancer or transplant) in a specialized facility affiliated with a hospital in a city other than the city where you live, Blue Cross will reimburse your expenses for meals and accommodations in this facility, to a maximum of $500 per calendar year.

MONTHLY BENEFIT
(Basic or Deluxe coverage)

When you or your spouse, depending on the coverage selected, are unable due to accident or illness to perform at least two activities of daily living unassisted (as defined under IMPORTANT DEFINITIONS) Blue Cross will pay, subject to a 30-day waiting period, a monthly benefit of $200 for basic coverage, to a maximum or three monthly benefit payments, and $500 for deluxe coverage, to a maximum of six monthly benefit payments.

MONTHLY INDEMNITY EXPRESS
An essential benefit that provides a monthly indemnity in case of accident only or in case of accident and illness.

Monthly indemnity due to accident Express

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $100 increments)
16 to 59 years of age $100 to $1 000
60 to 64 years of age $100 to $500

BENEFIT PERIOD
12 months

WAITING PERIOD
5 days*

* Benefits are payable retroactive to the first day if you are disabled at least five consecutive days.

Monthly indemnity due to illness Express - Optional

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $100 increments)
16 to 59 years of age $100 to $1 000

BENEFIT PERIOD
12 months

WAITING PERIOD
14 or 30 days

Extension of benefit period
The benefit period is increased by one month for each year of insurance during which you did not receive any benefits under this coverage.

The maximum benefit period is 24 months.

The Insurer shall cease to increase the benefit period under this coverage when benefits are paid under this coverage. Thereafter, the benefit period remains fixed and is equal to the number of months accrued to the renewal date immediately preceding this period of disability.

For the monthlt ideminity due to accident express, when you reach age 65, the benefit period remains fixed and is equal to the number of months accumulated to this date.

Integration
If you are enrolled in one or more DISABILITY INSURANCE, MONTHLY INDEMNITY or MONTHLY INDEMNITY EXPRESS benefit with Blue Cross, then these benefits are treated like a single benefit and only one integration calculation is performed with the total of the amounts insured.

For the first 24 months of disability benefit payments, the first $1,000 are guaranteed. Only the amount in excess of $1,000 is reduced by the amount of any benefits payable under plans.

Important definitions
Total disability, if you have remunerative work means that you are unable, due directly to accident or illness independently of any other cause, to perform the major duties of the occupation in which you were engaged at the time you became totally disabled.

To be considered totally disabled, you must be under the continuous care of a physician providing care suitable for your disability at an appropriate frequency and you must not be engaged in any remunerative work.

Total disability, if you do not have remunerative work, means that you are unable, due directly to accident or illness independently of any other cause, to perform your usual daily tasks and any other tasks for which you are reasonably qualified by education or experience.

To be considered totally disabled, you must be under the continuous care of a physician providing care suitable for your disability at an appropriate frequency.

Limitations “MONTHLY INDEMNITY DUE TO ACCIDENT EXPRESS”
Benefits payable due to herniated disc, as cause or effect, are for a maximum of six months per event.

At age 65, the monthly indemnity is reduced by 50%.

Any reduction in the amount of insurance coverage due to age applies only to the renewal following your birthday.

Limitations “MONTHLY INDEMNITY DUE TO ILLNESS EXPRESS”
Benefits payable due to herniated disc, as cause or effect, are for a maximum of six months per event.

Benefits payable for total disability resulting from a muscular or spinal disorder are for a maximum of six months per event.

End of coverage “MONTHLY INDEMNITY DUE TO ACCIDENT EXPRESS”

This coverage ends on the contract anniversary coinciding with or following your 70th birthday.

End of coverage “MONTHLY INDEMNITY DUE TO ILLNESS EXPRESS”

This coverage ends on the contract anniversary coinciding with or following your 65th birthday.

EXPRESS PLAN HEALTH PACKAGE

This essential insurance package contains 3 benefits: EXTENDED HEALTH BENEFIT, PRESCRIPTION DRUGS and BASIC TRAVEL INSURANCE.

ELIGIBILITY

16 years of age and over

EXTENDED HEALTH BENEFIT

This benefit covers costs of medical and hospital expenses incurred by you or a member of your family in case of illness, pregnancy or injury.

ELIGIBLE EXPENSES COVERED AT 100% WITHOUT DEDUCTIBLE

Hospitalization (private or semi-private accommodations), up to a maximum refund of $175 per day, for a maximum duration of 90 days per calendar year.

A written recommendation from a physician is not required for items 1 through 9 below. Benefits are payable only after the yearly maximum allowed under the Ontario Health Insurance Plan (OHIP) has been reached.
SPECIALIST	FIRST VISIT	SUBSEQUENT VISIT	MAXIMUM NUMBER
1) Chiropractor	$12	$12	25
2) Osteopath	$12	$12	25
3) Physiotherapist	$12	$12	25
4) Podiatrist	$12	$12	25
5) Psychologist	$75	$60	12
6) Speech Therapist	$60	$40	12
7) Chiropodist	$12	$12	25
8) Naturopath	$12	$12	25
9) Ophthalmologist or Optometrist (for insured under 65 years of age), up to a maximum refund of $50 per two calendar years
10) Massage Therapist	$15	$15	20

ELIGIBLE EXPENSES COVERED AT 80% WITHOUT DEDUCTIBLE

Hearing aids, up to $300 (excluding batteries) every 60 months, subject to a 3-month waiting period

Prostheses and accessories, up to maximum refund of $2,500 per calendar year

Nursing services and Home care services, up to a maximum refund of $2,500 per calendar year

Surgical stocking, up to a maximum refund of $100 per calendar year.

Orthopedic shoes or podiatric ortheses, up to a maximum refund of $175 per calendar year for both combined

Purchase or rental of equipment (crutches, walkers, canes, etc.), up to a maximum refund of $2,500 per calendar year.

Ambulance, amount equals costs not covered by the government plan

Dental treatment due to an accident, up to a maximum refund of $2 000 per calendar year

PRESCRIPTION DRUGS

ELIGIBLE EXPENSES COVERED AT 80% WITHOUT DEDUCTIBLE
(for people under 65 years of age)

Pay Direct drug card
No lifetime maximum
Reimbursement is based on the lowest-cost generic equivalent if available (a generic drug is a generally less expensive alternative to an interchangeable brand name drug product)

PRESCRIPTION DRUGS MAXIMUM OVERALL REIMBURSEMENT
(per insured)
First Calendar year $500
Subsequent Calendar years $750

Limitation
No benefits are payable for prescription drugs once the Insured is 65 years of age.

BASIC TRAVEL INSURANCE
This benefit protects you against unforeseen events such as accident, illness or death that could occur during all your trips.

The BASIC TRAVEL INSURANCE offers

Coverage for trips of 15 days or less
$5,000 000 hospital and medical benefit
Transportation costs
$3 000 subsistence allowance
Round-the-clock CanAssistance travel assistance
Medical follow-up in Canada

For more details, consult the BASIC TRAVEL INSURANCE section.

Exclusions
Please note that these exclusions do not apply to all benefits described in this brochure and that additional exclusions apply to certain benefits. For more information, consult your insurance contract.

No benefits are payable for claims arising directly or indirectly from any of the following:

Abuse of alcohol or drugs, or use of illegal drugs
An accident sustained by the insured while participating in a sport for remuneration or in any kind of motor vehicle competition, race or speed contest
Care in a residential and long-term care facility or a private convalescent home
Care, treatment, services or products other than those deemed necessary by concerned healthcare professionals for treatment of the injury or disease
Cosmetic care or treatment
Expenses payable under any other insurance plan or services insured under any federal or provincial legislation or its regulations
Experimental care or treatments, or new procedures or therapies not yet commonly used
Attempted suicide or intentional self-injury, regardless of the insured’s state of mind
Voluntary or involuntary inhalation of gas or ingestion of poison or drugs
The insured’s active participation in a public confrontation, riot, insurrection, war or act of war (declared or not) or any other warlike act
The insured’s direct or indirect commission or attempted commission of a criminal act under the Criminal Code or under a similar law in another country
The insured’s operation of a motor vehicle or a boat with an alcohol level exceeding 80 mg per 100 mL of blood or under the influence of ay drug
The insured’s participation in a flight or a flight attempt in any aircraft in any sort in any capacity other than that of a passenger
The insured’s services as an active member of the armed forces of any country

No benefits are payable if critical illness results directly or indirectly from either of the following sports:

Boxing
Deep-sea diving

We encourage you to contact us for more information, to assist you in obtaining a formal quotation, or to purchase Blue Cross Express Plan. To proceed at this time please click the link below.

I need advice or wish to complete an application. Contact a Licensed Advisor.

® The Blue Cross and Blue Choice names are registered trademarks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans, and are licensed to the Canassurance Hospital Service Association, carrying on business as Ontario Blue Cross.
The Ontario Blue Cross symbol and name are trademarks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans, and are licensed to the Canassurance Hospital Service Association, carrying on Business as Ontario Blue Cross

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Leaving a Group Plan

Your Coverage
Doesn’t Have to Cease

Leaving a Group Plan

Your Coverage Doesn’t Have to Cease

Your Coverage
Doesn’t Have to Cease