About the Health Plan
Who’s covered?
The School Board International Student Health Plan is mandatory for all international students enrolled with the school board. Your coverage starts on the effective date that is referenced on your health coverage card. You are automatically covered under the Plan once you have enrolled with the school board and paid your tuition fee, and provided you:
- have a valid study permit;
- are attending school full time;
- are not eligible for coverage under any provincial or territorial health insurance plan.
You will be assigned a member ID number that is unique to you. This number will appear on your health coverage card along with the Policy / Contract #017874.
What’s covered?
This section outlines the benefits insured during the covered period and is subject to all terms, conditions, limitations, exclusions and the provisions listed under the Plan. (Remember your plan, contract number is also referred to as your policy number, they are the same). Sun Life will pay the reasonable and customary costs or the rate allowed by OHIP for covered expenses that are medically necessary.
This Plan contains a pre-existing condition exclusion. Benefits are not payable for covered expenses caused by or resulting from any illness or injury or medical condition where signs or symptoms appeared or required medical attention or consultation, hospitalization or treatment (including changes in medication or dosage) during the 90-day period before coverage began.
Please see Policy / Contract #017874 issued by Sun Life Assurance Company of Canada for your benefits and the complete terms and conditions of coverage. Some benefits require pre-approval from us or from the attending physician, and the amounts we pay are subject to all policy provisions including maximums, limitations and exclusions (such as participating in risky activities and working without the proper authorization).
This is a summary of your coverage. If there is a discrepancy between the website and the policy, the terms of the policy take precedence.
Highlights of the Health Plan
- Policy details
- Multi-language Health Summaries
- Direct payment to hospitals, doctors and clinics. The Plan administrator, Sun Life Financial, will pay approved hospital and doctor claims for you when applicable
- Sun Life’s Student Call Centre Access
- Access to Sun Life’s Preferred Provider Network
- On-line tutorials
- Travel outside of Ontario and Canada
Eligible health care expenses
For benefits included in this policy, you are covered for the medical treatment of an illness or injury while insured under this Plan.
Click on each item below to find out more.
- Extraction of Impacted wisdom teeth
- Relief of pain
- $100 per tooth
- $500 in the coverage period
- Chiropractor, massage therapist*, osteopath, physiotherapist, speech therapist, chiropodist / podiatrist
- Limited to $600 for each service category in the coverage period
- Up to 30-day trips, no coverage in home country
- In the event of a medical emergency while travelling outside of Ontario or Canada, call AZGA Service Canada Inc. (Allianz Global Assistance) at the following important numbers:
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In the USA and Canada:
- Call:
1-800-511-4610
- Call:
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Elsewhere:
-
Call:
* 1-519-514-0351 (call collect if available) -
Fax:
* 1-519-514-0374
-
Call:
* Add the long distance code to contact the USA.
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In the USA and Canada:
- Please be sure to reference your
Policy / Contract Number 017874, along with your name and member ID. - Please note that call must be made to Allianz Global Assistance prior to treatment or immediately after in the event of a medical emergency.
- All invasive and investigative procedures (including any surgery, angiogram, MRI, PET scan, CAT scan), must be pre-authorized by our emergency travel assistance provider prior to being performed, except in extreme circumstances where surgery is performed on an emergency basis immediately following admission to a hospital.
- If you do not notify Sun Life within 48 hours of admission to hospital, this may limit the reimbursement for eligible medical expenses.
- Under no circumstances will Sun Life cover medical expenses incurred in a covered person’s home country or for emergencies that occur after the 30th day of travel to any other destination outside Ontario.
Accidental death and dismemberment
What is a common carrier accident?
Under the AD&D benefit, a “Common Carrier” means any person or agency publicly engaged in the business of transporting passengers by land, water, or air for profit. Common Carriers include railroads, steamships, airlines, buses, and taxis where passengers are charged a fare.
Therefore, the Common Carrier Accident provision in the AD&D benefit covers the insured person who is involved in an accident while travelling as a fare paying passenger in a Common Carrier. Example would be injuries or death due to a plane crash.
What is 24-hour accident?
The 24-hour Accident provision covers accidents that are caused by all other accidents except from a Common Carrier. Example: If the insured person was a passenger in a car driven by a friend or relative (non-fare paying passenger) when an accident occurred.
In our student plans, AD&D plans with a “Common Carrier” and “24-Hour” provision will pay either (a) or (b), but not both.
Pre-authorization
In order for some claims to be paid, prior approval from Sun Life is required. Sun Life must be notified within 48 hours of admission into a hospital and prior to any surgery, unless a delay is life threatening. If you do not notify Sun Life, you may only be paid 80% of all eligible medical expenses.
This is a summary of coverage. The complete terms, conditions, exclusions and limitations governing the coverage are found in Policy #017874 issued by Sun Life Assurance Company of Canada.
Summary of health insurance coverage
For your convenience, a summary of the health insurance coverage is available in 15 languages.