Covered Expenses:   The plan covers 100% of customary and necessary charges for the following:

• Hospital room (semi-private) and board charges, including drugs administered while confined in hospital and medical care and treatment provided on an outpatient basis
Physician's and surgeon's charges
• One physical examination per year to a maximum of $350
• Physiotherapy or speech therapy to a maximum of $5,000 per year
• Anaesthesia
• X-rays and radioactive therapies
• Blood transfusions and plasma
• Oxygen where prescribed by a physician
• Prosthetic appliances, dressings, mechanical breathing aids, and similar medical supplies
• Replacement of prescription glasses, contact lenses, or hearing aids due to a covered accident
• Professional nursing services to a $10,000 maximum per year
• Dental treatment for injuries to a $15,000 maximum per year
• Local licensed ambulance service
• Air ambulance, transportation, repatriation – up to $250,000
• Paramedical services to a $500 maximum per year, per practitioner, per type of service (psychologist, chiropodist, podiatrist, chiropractor, naturopath or osteopath, acupuncturist or massage therapist
• Prescribed drugs and medicines
• Immunizations
• Allergy treatments
• Diabetic supplies
• Option: Pregnancy and childbirth can be covered on group plans for an additional premium.

Dental coverage includes:

• Diagnostic and Preventative services
• Minor restorative services:
• Fillings
• Endodontics
• Periodontics
• Oral surgery
• Major restorative services and Prosthodontics
• Maximum: $1,500 per person per year
• Orthodontics – lifetime maximum $1,500