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IAP Kids Plus™ Accident Insurance Benefit Summary 2009-2010
| BENEFIT SUMMARY |
Active Plan |
Value Plan |
Adult Plan |
| Child only |
Child only |
Adult only |
| Dental Treatment and Eyewear |
| Dental treatment within 7 years following Accident for Children (1 year for Adults) [BENEFIT NUMBER 1] |
ProvFeeGuide |
ProvFeeGuide |
ProvFeeGuide |
| Dental treatment after 7 years following Accident for Children [BENEFIT NUMBER 1] |
$1,500 |
$1,250 |
not available |
| Dental Implants (each) [BENEFIT NUMBER 1] |
$1,750 |
$1,500 |
$1,250 |
| Orthodontics [BENEFIT NUMBER 1] |
$2,500 |
$1,500 |
$2,000 |
| Dentures and artificial teeth [BENEFIT NUMBER 2] |
$500 |
$500 |
$500 |
| Eyeglasses/contact lenses: Repair/replacement [BENEFIT NUMBER 3] |
$350 |
$300 |
$250 |
| Eyeglasses/contact lenses: Initial purchase when not previously required or worn [BENEFIT NUMBER 3] |
Full Cost |
Full Cost |
$300 |
| Fracture, Dislocation, or Surgery |
| Skull (depressed) or spine (three or more vertebrae) [BENEFIT NUMBER 4] |
$1,000 |
$750 |
$750 |
| Skull (not depressed) or spine (less than three vertebrae) or pelvis [BENEFIT NUMBER 4] |
$500 |
$250 |
$250 |
| Arm between elbow and shoulder, or thigh, or hip, or shoulder blade, or shoulder [BENEFIT NUMBER 4] |
$175 |
$150 |
$150 |
| 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 [BENEFIT NUMBER 4] |
$125 |
$100 |
$100 |
| Sternum, or sacrum/coccyx, or upper jaw, or lower jaw, or nose, or two or more toes, fingers or ribs [BENEFIT NUMBER 4] |
$75 |
$50 |
$50 |
| One toe, finger or rib, or any bone not specified above [BENEFIT NUMBER 4] |
$50 |
$25 |
$25 |
| 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) [BENEFIT NUMBER 4] |
$150 |
$100 |
$100 |
| Hospital, Paramedical, Counselling, and Prosthetics |
| 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 [BENEFIT NUMBER 5] |
Full Cost |
Full Cost |
Full Cost |
| Rental of TV, radio, or telephone while in hospital [BENEFIT NUMBER 5] |
$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 [BENEFIT NUMBER 5] |
$800 |
$600 |
$400 |
| Braces prescribed by the attending Physician for curative or therapeutic purposes only (limited to one purchase per Injury) [BENEFIT NUMBER 5] |
$1,250 |
$1,000 |
$500 |
| Counselling [BENEFIT NUMBER 6] |
$1,000 |
$500 |
$500 |
| Purchase of artificial limbs, eyes, hearing aids, and other prosthetic appliances [BENEFIT NUMBER 7] |
$5,000 |
$5,000 |
$5,000 |
| Commercial repair of a prosthetic appliance [BENEFIT NUMBER 7] |
$500 |
$500 |
$500 |
| Travel and Transportation |
| Emergency Out-of-Province/Country medical expenses [BENEFIT NUMBER 8] |
$100,000 |
$50,000 |
$25,000 |
| Emergency Return Flight [BENEFIT NUMBER 9], Family Transportation [BENEFIT NUMBER 10] |
$1,000 |
not available |
not available |
| Above is for Injury and Sickness? |
Both |
Injury only |
Injury only |
| Emergency Transportation [BENEFIT NUMBER 11] |
$250 |
$250 |
$250 |
| Special Treatment Travel [BENEFIT NUMBER 12] |
$2,500 |
$2,500 |
$2,500 |
| Death or Disability |
| Accidental Death [BENEFIT NUMBER 13] |
$20,000 |
$7,500 |
$10,000 |
| Double Indemnity [BENEFIT NUMBER 13] |
$40,000 |
$15,000 |
$20,000 |
| Non-Accidental Death [BENEFIT NUMBER 14] |
$20,000 |
$7,500 |
not available |
| Repatriation [BENEFIT NUMBER 15] |
$5,500 |
$5,500 |
$5,500 |
| Permanent Total Disability [BENEFIT NUMBER 16] |
$360,000 |
$75,000 |
not available |
| Confinement Disability [BENEFIT NUMBER 17] |
$750/month |
$500/month |
not available |
| Rehabilitation [BENEFIT NUMBER 18] |
$10,000 |
$5,000 |
$2,500 |
| Private Tutor [BENEFIT NUMBER 19] |
$5,000 |
$2,500 |
not available |
| Wage Loss [BENEFIT NUMBER 20] |
$1,000 |
not available |
not available |
| Babysitting [BENEFIT NUMBER 21] |
$100 |
$50 |
not available |
| Dismemberment or Total and Permanent Loss of Use |
| 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 [BENEFIT NUMBER 22] |
$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 [BENEFIT NUMBER 22] |
$60,000 |
$20,000 |
$20,000 |
| Entire thumb and index finger (same hand) [BENEFIT NUMBER 22] |
$30,000 |
$10,000 |
$10,000 |
| Thumbs, fingers, or toes (each entire thumb, finger, or toe) [BENEFIT NUMBER 22] |
$4,000 |
$1,000 |
$1,000 |
| One entire phalanx of any one finger, or hearing in one ear [BENEFIT NUMBER 22] |
$2,000 |
$500 |
$500 |
| Critical Illness |
| Hospital services or nursing expenses [BENEFIT NUMBER 23] |
$12,600 |
$5,600 |
not available |
| Commercial accommodation/meals, travel/parking [BENEFIT NUMBER 23] |
$2,900 |
$2,900 |
not available |
Questions? Please contact us at 1-800-556-7411 or email us at iapkidsplus@iapacific.com
™ Trademark of Industrial Alliance Insurance and Financial Services Inc., used under license by Industrial Alliance Pacific Insurance and Financial Services Inc.
FORM 4085-1 WEB (JUN/2009)
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