Lifetime Unlimited Unlimited Unlimited Unlimited Unlimited maximum Claim submission Provider files Provider files Provider files You file You file Hospital benefits Inpatient 100 per cent 100 per cent 100 per cent 100 per cent United States: Pre-registration 80 per cent after required deductible International: 100 per cent Outpatient 100 per cent 100 per cent 100 per cent 100 per cent United States: 80 per cent after deductible International: 100 per cent Emergency room 100 per cent 100 per cent 100 per cent 100 per cent 100 per cent (initial visit) accidental after $75 co-pay after $75 co-pay after $75 co-pay after $75 co-pay injury; sudden (waived if (waived if (waived if (waived if and serious admitted within admitted within admitted within admitted within medical 24 hours) 24 hours) 24 hours) 24 hours) condition Emergency Not covered but 80 per cent Not covered 80 per cent after Not covered room visit (for 100 per cent deductible non-emergency after $35 co-pay care) at urgent care centres in the United States Medical benefits Office/home visits 100 per cent 100 per cent 100 per cent 80 per cent after 80 per cent after after $15/$20 after $15/$20 deductible deductible primary care primary care physician/ physician/ specialist specialist co-pay Routine physical 100 per cent 100 per cent 100 per cent 80 per cent after 80 per cent after once every 12 after after deductible once deductible once months $15 co-pay once $15 co-pay once every 12 months every 12 months every 12 months every 12 months
Lifetime maximum Unlimited Unlimited Unlimited Unlimited Unlimited Claim submission Provider files Provider files Provider files You file You file Hospital benefits Inpatient Pre-registration required 100 per cent 100 per cent 100 per cent 100 per cent United States: 80 per cent after deductible International: 100 per cent Outpatient 100 per cent 100 per cent 100 per cent 100 per cent United States: 80 per cent after deductible International: 100 per cent Emergency room (initial visit) 100 per cent accidental injury; sudden and serious medical condition 100 per cent after $75 co-pay (waived if admitted within 24 hours) 100 per cent after $75 co-pay (waived if admitted within 24 hours) 100 per cent after $75 co-pay (waived if admitted within 24 hours) 100 per cent after $75 co-pay (waived if admitted within 24 hours) Emergency room visit (for non-emergency care) Not covered but 100 per cent after $35 co-pay at urgent care centres in the United States 80 per cent Not covered 80 per cent after deductible Not covered Medical benefits Office/home visits 100 per cent 100 per cent after $15/$20 primary care physician/ specialist 100 per cent after $15/$20 primary care physician/ specialist co-pay 80 per cent after deductible 80 per cent after deductible Routine physical 100 per cent once every 12 months 100 per cent after $15 co-pay once every 12 months 100 per cent after $15 co-pay once every 12 months 80 per cent after deductible once every 12 months 80 per cent after deductible once every 12 months
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