.

Eligibility

Residents of Canada only.

Foreign exchange students, international students attending school in Canada, and Canadian residents attending school outside of Canada are not eligible to apply.

Active Plan

Value Plan

Adult Plan

Child only
6 months to 19 years of age

Child only
6 months to 19 years of age

Adult only
20 to 64 years of age

 


Benefit Summary

This is a summary only. All rights with respect to an Insured will be governed solely by the Kids Plus™ Accident Insurance Policy. Purchasers will receive a copy of the policy once their application has been processed.

The Policy pays for loss due to an ACCIDENT ONLY unless otherwise stated.

1. Dental

Active Plan

Value Plan

Adult Plan

Dental treatment within 7 years following Accident for Children (1 year for Adults) Provincial Fee Guide Provincial Fee Guide Provincial Fee Guide
Dental treatment after 7 years following Accident for Children $1,500 $1,250 Not Available
Dental Implants (each) $1,750 $1,500 $1,250
Orthodontics $2,500 $1,500 $2,000

2. Dentures and Artificial Teeth

Active Plan

Value Plan

Adult Plan

Dentures and artificial teeth $500 $500 $500

3. Eyeglasses and Contact Lenses

Active Plan

Value Plan

Adult Plan

Eyeglasses/contact lenses: Repair/replacement $350 $300 $250
Eyeglasses/contact lenses: Initial purchase when not previously required or worn Full Cost Full Cost $300

4. Fracture, Dislocation, or Surgery

Active Plan

Value Plan

Adult Plan

Skull (depressed) or spine (three or more vertebrae) $1,000 $750 $750
Skull (not depressed) or spine (less than three vertebrae) or pelvis $500 $250 $250
Arm between elbow and shoulder, or thigh, or hip, or shoulder blade, or shoulder $300 $200 $200
Lower leg, or knee cap, or ankle, or calcaneous (heel bone), or bone(s) of the feet (metatarsals) or hand(s) (metacarpals), or collar bone, or forearm, or wrist, or elbow $250 $150 $150
Sternum, or sacrum/coccyx, or upper jaw, or lower jaw, or nose, or two or more toes, fingers or ribs $200 $125 $125
One toe, finger or rib, or any bone not specified above $125 $100 $100
Surgery for: severed tendon(s) or burns (requiring skin graft), or ruptured kidney/liver/spleen, or punctured lung, or knee (when there is no fracture or dislocation), or eye surgery, or emergency surgery requiring general anaesthetic (excluding dental surgery) $150 $100 $100

5. Hospital and Paramedical

Active Plan

Value Plan

Adult Plan

Private or semi-private room while in hospital; ground ambulance service; registered nurse or certified nursing aid if requested by attending physician; rental of crutches, appliances, wheelchair, or hospital-type bed (limited to purchase price); prescription drugs; splints, casts and cast materials, trusses, pressure garments requested by attending Physician for curative or therapeutic purposes only Full Cost Full Cost Full Cost
Rental of TV, radio, or telephone while in hospital $25/day $20/day $15/day
Treatment by a physiotherapist or registered massage therapist when requested by the attending Physician; treatment by a chiropractor or osteopath; medical supplies for the purpose of dressing changes when prescribed by the attending Physician $800 $600 $400
Braces prescribed by the attending Physician for curative or therapeutic purposes only (limited to one purchase per Injury) $1,250 $1,000 $500

6. Counselling

Active Plan

Value Plan

Adult Plan

Counselling $1,000 $500 $500

7. Artificial Limbs, Eyes, Hearing Aids, and Other Prosthetic Appliances

Active Plan

Value Plan

Adult Plan

Purchase of artificial limbs, eyes, hearing aids, and other prosthetic appliances $5,000 $5,000 $5,000
Commercial repair of a prosthetic appliance $500 $500 $500

8. Emergency Out-of-Province/Country Travel

Active Plan

Value Plan

Adult Plan

Emergency Out-of-Province/Country medical expenses $100,000 $50,000 $25,000
Above is for injury and sickness? Both Injury only Injury only

9. Emergency Return Flight

Active Plan

Value Plan

Adult Plan

Emergency Return Flight $1,000 Not Available Not Available
Above is for Injury and Sickness? Both - -

10. Family Transportation

Active Plan

Value Plan

Adult Plan

Family Transportation $1,000 Not Available Not Available
Above is for Injury and Sickness? Both - -

11. Emergency Transportation

Active Plan

Value Plan

Adult Plan

Emergency Transportation $250 $250 $250

12. Special Treatment Travel

Active Plan

Value Plan

Adult Plan

Special Treatment Travel $2,500 $2,500 $2,500

13. Accidental Death

Active Plan

Value Plan

Adult Plan

Accidental Death $20,000 $7,500 $10,000
Double Indemnity $40,000 $15,000 $20,000

14. Non-Accidental Death

Active Plan

Value Plan

Adult Plan

Non-Accidental Death $20,000 $7,500 Not Available

15. Repatriation

Active Plan

Value Plan

Adult Plan

Repatriation $5,500 $5,500 $5,500

16. Permanent Total Disability

Active Plan

Value Plan

Adult Plan

Permanent Total Disability $360,000 $75,000 Not Available

17. Confinement Disability

Active Plan

Value Plan

Adult Plan

Confinement Disability $750/month $500/month Not Available

18. Rehabilitation

Active Plan

Value Plan

Adult Plan

Rehabilitation $10,000 $5,000 $2,500

19. Private Tutor

Active Plan

Value Plan

Adult Plan

Private Tutor $5,000 $2,500 Not Available

20. Wage Loss

Active Plan

Value Plan

Adult Plan

Wage Loss $1,000 Not Available Not Available

21. Babysitting

Active Plan

Value Plan

Adult Plan

Babysitting $200 $100 Not Available

22. Dismemberment or Total and Permanent Loss of Use

Active Plan

Value Plan

Adult Plan

Both hands, or both feet, or one hand and one foot, or one hand or one foot and entire sight of one eye, or entire sight of both eyes, or speech and hearing $200,000 $50,000 $50,000
One entire arm or leg, or one hand or foot, or entire sight of one eye, or speech, or hearing in both ears $60,000 $20,000 $20,000
Entire thumb and index finger (same hand) $30,000 $10,000 $10,000
Thumbs, fingers, or toes (each entire thumb, finger, or toe) $4,000 $1,000 $1,000
One entire phalanx of any one finger, or hearing in one ear $2,000 $500 $500

23. Critical Illness

Active Plan

Value Plan

Adult Plan

Hospital services or nursing expenses $12,600 $5,600 Not Available
Commercial accommodation/meals, travel/parking $2,900 $2,900 Not Available

Definitions

Accident - “Accident” whenever used in this policy means a sudden, unforeseen and unexpected event which arises from a source external to an Insured Person and that is not caused or contributed to, directly or indirectly, by physical or mental illness or disease or treatment for the illness or disease.  This event must occur while this policy is in force and be the basis of claim.

Adult - a permanent resident of Canada who has Provincial Health Coverage and is age 20 to age 64 inclusive at the time of application.

Child/Children -  a permanent resident of Canada who has Provincial Health Coverage and is 6 months to 19 years of age inclusive at the time of application. Foreign exchange and international students in Canada, and Canadian residents attending school outside of Canada, are note eligible to apply.

Effective Date - the latter of September 1, 2016 and the date the Company or its authorized representative receives your application form or renewal form and the required premium will constitute the Effective Date of the Policy.

Expiry Date - the date the Insured is no longer a permanent resident of Canada; the date the Insureds application for a replacement Kids PlusTM Accident Insurance Policy is approved or; at 12:00 midnight on September 30, 2017, whichever date first occurs.

Injury - – bodily injury which results, directly and independently of all other causes, in loss covered by the Policy and is caused by an Accident sustained by the Insured while the Policy is in force as to the Insured.  The Insured must seek medical attention by a Physician, dentist or nurse practitioner within 30 days of the Accident.

Insurance Act - the applicable insurance legislation in the applicable provincial jurisdiction.

Insured - a Child or Adult for whom an application has been made and for whom the applicable premium has been paid.

Parent - the parent or legal guardian who has applied for a Child under the Policy.

Physician - legally qualified, licensed doctor of medicine.

Policy - Kids Plus™ Accident Insurance Policy.

Sickness (as it relates to the Emergency Out-of-Province/Country Travel benefit) - unforeseen and unexpected bodily sickness or disease which first manifests itself while the Insured is outside his/her province of residence.

The Company - Industrial Alliance Insurance and Financial Services Inc.

Trip - any trip limited to a 30 day duration. No coverage is provided under the Emergency Out-of-Province/Country Travel benefits for trips in excess of 30 days.


Exclusions and Limitations

  1. The Policy does not cover:
    • sickness or disease either as a cause or effect except as otherwise provided;
    • suicide or attempt thereat, except in the case of Non-Accidental Death benefit;
    • Injury for which compensation is payable under any Workers' Compensation Act, except in the case of Accidental Death, and Dismemberment or Total and Permanent Loss of Use benefits;
    • the expense of a brace or similar device used for non-therapeutic purposes or solely for the purpose of participating in sports or other leisure activities;
    • expenses incurred for mouthguards or treatment of Temporal Mandibular Joint (TMJ) dysfunction, whatever the cause; or
    • Injury resulting from repetitive/strenuous activity (e.g. overexertion, strains, etc.).
  2. No benefits or expenses are payable under the Policy for treatment or services which are insured services or basic health services (e.g. Physician's fees) under the provincial medical care or hospital plan applicable to an Insured whether or not that Insured is covered thereunder.
  3. Benefits payable for Dental shall be for the excess of expenses paid, payable, or insured under any government sponsored dental care plan or other dental plan or policy or any health plan providing accidental dental benefits.
  4. If an Insured is entitled to similar reimbursement benefits through any other insurer or plan, the benefits payable under the Policy shall be coordinated, so that the total benefits from all insurers or plans shall not exceed the actual loss incurred.
  5. The Emergency Out-of-Province/Country Travel benefit will not pay for any expenses incurred directly or indirectly as a result of:
    • declared or undeclared war, civil war, riot, insurrection, invasion, or any act thereof;
    • an illegal act by the Insured;
    • any condition for which the Insured travels outside his/her province of residence for the purpose of seeking medical advice or treatment;
    • participation in professional sports, acrobatic or stunt flying, hang gliding, parachuting, skydiving, parasailing, rock climbing, mountain climbing, bungee jumping, scuba diving, or motorized speed contests;
    • while under the influence of alcohol, drugs, medication, or other toxic substances.
  6. All amounts and maximums described in the Policy are in Canadian dollars. Any amounts payable to or from the Company are in Canadian dollars.
  7. An Insured cannot be covered under more than one Kids Plus™ Accident Insurance Policy. In the event an Insured is inadvertently approved for more than one Kids Plus™ Accident Insurance Policy, the Company's liability is limited to the return of premiums paid for the second application received.
  8. The Kids Plus™ premium is a single one-time annual cost. Premium refunds are only available if requested within 30 days of the Effective Date.

Questions? We're here to help.

1.800.556.7411        kidsplus@ia.ca