Manulife | Medical Insurance for International and Canadian Students

Manulife: Travel Health Insurance for Students

Summary of Benefits:

Coverage Amount $2,000,000
Tuition Reimbursement Up to $5,000
Medical Emergency Coverage Up to sum insured
Hospital Accommodation Up to sum insured
Physician Services Up to sum insured
Diagnostic Services and X-Ray Up to sum insured
Private Duty Nurse Up to $10,000
Medical Specialist Services (chiropractor, podiatrist, etc.) Up to $500 per profession
Emergency Dental Treatment Up to $2,500
Dental Pain Relief Up to $500
Psychiatric Care Up to $5,000
Prescription Medications Up to a 30-day supply
Annual Physical Examination $100
Emergency Evacuation / Repatriation / Air Ambulance Up to $100,000
Accidental Death and Dismemberment Up to $10,000
Trauma Counselling Covered
Follow Up Treatment Covered
Rental / Purchase of Medical Appliances Covered
Annual Eye Examination Covered
Maternity Benefit Covered

Tuition Reimbursement Benefit:

 
If you have a medical emergency that prevents you from attending the classes and receiving your term grades, Manulife agrees to reimburse you for up to $5,000 worth of tuition fees you have paid for semester minus any amounts refunded by the school.

Side-Trips Benefit:

 
If you are an International Student in Canada, your side-trips outside Canada are covered for a period of up to 15 consecutive days, provided that your trip starts and ends in Canada and does not exceed 49% of your coverage period with Manulife’s insurance policy.

Please note that Side-Trips Benefit excludes the coverage for the trips to your country of origin or citizenship.

Canadian nationals enrolled in school or university abroad are covered for side-trips outside the place of studying for the whole period of insurance coverage.

Pregnancy Insurance / Maternity Benefit:


A Student Travel Health Insurance policy from Manulife provides a special Maternity Benefit that covers the following treatment services:

– Normal Delivery – Up to $5,000
– C-Section – Up to $7,000
– Childbirth Complications – Up to $20,000

In order to be eligible for the delivery / childbirth insurance coverage, pregnancy must begin AFTER the insurance policy becomes effective.

Policy Wording:


Policy Wording is an official document issued by Manulife Financial that describes the payable insurance benefits, exclusions and limitations to the coverage, refund and claim procedures as well as other conditions.

Click to view – Manulife Student Insurance | Policy Wording

 

Eligibility Requirements:


In order to be eligible for the Student Insurance Coverage provided by Manulife, you must be meet the following criteria:

– You are under 55 years old.
– You are either an Inbound student enrolled full-time in a recognized Canadian learning institution as an international student or post-doctoral research student; or
– You are an Outbound student travelling to study in a licensed learning institution abroad; or
– You are a National student coming to a different province / territory within Canada in order to attend school.
– You are a dependent or spouse of a student covered with Manulife’s insurance.

 
Inbound Students: Non-Canadian nationals coming to Canada for studying.
Outbound Students: Canadian citizens or permanent residents travelling to study abroad.
National Students: Canadian nationals, who study in Canada, but outside their province of primary residence.

Waiting Period:

Waiting Period only applies to Manulife’s Student Insurance policies purchased after the date of arrival.

– 48-hour waiting period following the effective date applies, if you buy this insurance during the first 30 days after your arrival at your destination.
– 8-day waiting period following your effective date applies, in case you buy this insurance more than 30 days after your arrival at your destination.

Important Notice: While waiting period is applicable to all claims if the insurance policy is purchased after the Arrival Date, it will be waived in case of an injury or if you bought the policy before the expiry date of an existing Manulife’s Student insurance plan, which must become effective the day following an expiry date of your existing policy with Manulife.

Coverage for Pre-existing Medical Conditions:


Such insurance coverage is available to people, whose pre-existing medical conditions have been stable for at least 3 (three) months before the Effective Date of the purchased insurance policy for International and Canadian Students with Manulife.

 

Important Notice: There are other Exclusions and Limitations applicable. In order to go over it, please read the Policy Wording.

 
Click to view – Manulife Student Insurance | Policy Wording

 

Making a Claim with Manulife:


In case of a medical emergency, call the Assistance Centre prior to receiving the treatment. Yet, if you are physically unable to notify Manulife, please do so as soon as possible in order to avoid having to pay 20% of premiums that would have been normally paid for necessary medical services by the insurance company.

 
Manulife’s Emergency Assistance Centre is open 24 / 7 and can be reached at:

– USA and Canada: 1-877-331-3134
– Collect Call Worldwide: 1-519-251-7401

 
Claim Submission Process:

– All Claims must be reported to the insurance company no later than 30 days following the occurrence of medical emergency.

– A proof of Claim is to be submitted to Manulife within 90 days after such claim has occurred or medical services received.

– Once you notify the Assistance Centre of your intention to make a claim, they will furnish the Claim form for you within 15 days following notification.

 
Claim Forms to be mailed:

Manulife Travel Insurance for Students c/o Active Care Management
PO Box 1237 Stn A
Windsor, ON N9A 6P8

 
You may always call the claim processing center to enquire about making a claim or the status of your claim at: 1-877-331-3230 (USA and Canada) or +1-519-251-7402 (Worldwide).

Premium Refunds:

Full Premium Refunds:

A request for a Full Refund must be sent to us before your coverage with Manulife’s Student Health insurance begins.

 
Partial Premium Refunds:

Partial refunds are issued if you have not made any claims during the period of insurance coverage and you finish your studies and depart from Canada as an international student or return to your home country, if you are a Canadian national studying abroad.

Partial Premium Refunds are calculated from the date you send a request to us. Please note that in case of Early Departure, a request for a partial premium refund must be sent within 5 days following the departure.

 
Please, carefully read the Policy Wording to learn about premium refund procedures.

Click to view – The Destination | Policy Wording