GMS Immigrants & Visitors To Canada Emergency Medical Insurance

Eligibility

All applicants are subject to the eligibility section. If you are fifty-five years of age or older you must meet additional eligibility where indicated.            This plan is not offerred in Quebec and New Brunswick.

If any of the following conditions apply on the application date, unless otherwise stated, you are not eligible to purchase this plan.

1. You are not eligible to purchase this plan if:

    A.you are covered under a government health plan;

    B.you will be eighty years of age or older as of the effective date;

    C.you have reason to seek medical attention when applying;

    D.you are applying for coverage while in Canada and;

        i. have incurred medical treatment (whether a claim was submitted ot not) in excess of $5,000 in the twelve months immediately prior to applying; to

        ii. have been refused coverage by any other insurer who provides similar coverage.

2.You are not eligible to purchase this plan if you are fifty-five years of age ot older and:

     A.within the twelve months prior to applying you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for twelve months prior to applying:

         i.Acquired Immune Deficiency Syndrome(AIDS);

         ii.a terminal illness(advanced stage of a progressive disease with an unfavourable prognosis and no known cure);

         iii. atrial flutter;

        iv. atrial/ventricular fibrillation;

        v.peripheral vascular disease;

        vi.stroke/transient ischemic attack(TIA);

         vii.blood clot(s);

         viii. congestive heart failure;

         ix. gastrointestinal bleeding; and/or

         x. kidney/liver failure; or

    B.you have undergone renal dialysis, valve replacement or an organ transplant;

    C.you are awaiting further tests or medical treatment for heart disease;

    D. you require insulin to treat diabetes and also take prescription medication for heart disease;

    E. you have any medcial condition necessitating  the use of home oxygen;

    F.you take oral steroids for a lung conditon;

    G. you have been diagnosd with metastatic cancer;

    H.you are under active medical treatment for  cancer;

    I. you have a vasculer aneurysm that remains surgically untreated;

   J. you have experienced undiagnosed episode of fainting or falling (syncope);

   K.you have an Implantable Cardioverter Defribrillator(ICD) ; or

   L. you are seventy years of age or older and require assistance from another person(s) with activities of daily living (ADL) which include. but are not limited to, personal hygiene and grooming; dressing and undressing; self-feeding, functional transfers (getting into and out of bed or a wheelchair,getting onto the toilet or off the toilet, etc.);bowel and bladder management; and/or medication management.

The maximum number of days that may be purchased per policy is one year per trip, for additional coverage you must reapply and meet all eligibility conditions.

Should any changes in your health occur after the application date and prior to the effective date, GMS must be notified and your application updated. A change in health may affect your eliglibility for coverage. Changes to your health that do not affect eligibility will still constitute a change in stability and may limit your available coverage.

Features

Benefits

The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording  will prevail. For complete details, refer to the policy wording, which is available in the attachment of every plan's page in our website.