|
Definitions
Accident – a sudden and unexpected occurrence due to external, violent, fortuitous causes beyond the Insured’s control.
Adult – a permanent resident of Canada age 20 to age 64 inclusive at the time of application.
Child/Children – a permanent resident of Canada who is 6 months to 19 years of age inclusive at the time of application. Foreign exchange students and international students are not eligible to enrol.
Effective Date – the latter of September 1, 2009 and the date IAP or its authorized representative receives your enrolment form and the required premium.
Expiry Date – the date the Insured is no longer a permanent resident of Canada; the date the Insured is enrolled in a replacement IAP Kids Plus™ Accident Insurance Policy or at 12:00 midnight on September 30, 2010, whichever date first occurs.
IAP – Industrial Alliance Pacific Insurance and Financial Services Inc.
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.
Insured – a Child or Adult for whom application has been made and for whom the applicable premium has been paid.
Parent – the parent or legal guardian who has applied for enrolment of a Child under the Policy.
Physician – legally qualified, licensed doctor of medicine.
Policy – IAP 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.
Trip – any trip limited to a 30 day duration. No coverage is provided under the Emergency Out-of-Province/Country Travel benefit for trips in excess of 30 days.
|
