GMS Immigrants & Visitors to Canada Application
• There are specific expenses that are not covered by this plan. Make sure you read the Exclusions to Coverage section in the policy wording.
• Expenses related to pre-existing conditions, or symptoms that happened before your effective date may not be covered by this plan. Reading the details found in the policy wording’s Exclusions to Coverage section is important to understand how they apply to you.
• If there is a change in your health after the application date and prior to the effective date, GMS must be notified and the application updated. A change in your health may affect your eligibility for coverage. Changes to your health that do not affect eligibility will still constitute a change in stability and may limit your available coverage.
• Where this policy is issued to satisfy entry to Canada, GMS reserves the right to notify Citizenship and Immigration Canada if the policy is cancelled.
• If you experience a medical emergency, you must notify the GMS assistance firm prior to treatment, where possible, and no later than 24 hours after receiving medical treatment or being admitted to hospital. Your policy may limit benefits should you not contact the assistance firm.
• In the event of a medical emergency you must call GMS Assistance:
Toll-free (within Canada and the USA): 1 800 459 6604
Collect (from all other locations): 905 762 5196
• In the event of a claim or refund request documentation confirming travel dates will be required.
• Depending on your province of residence the premium charged may be subject to tax.
• medical treatment: any medical, therapeutic or diagnostic measure prescribed or recommended by a physician in any form, including; prescription medication; investigative testing; in-hospital care; surgery; or other prescribed or recommended action directly referable to the applicable condition, symptom or problem.
• heart disease: any disease of the heart including, but not limited to: angina, irregular heartbeat, heart attack, congestive heart failure, ischemic heart disease, valvular heart disease, and myocardiopathy.
oral steroids: are steroids that are swallowed to treat a lung condition. They do not include steroids that are inhaled to prevent asthma attacks or to temporarily treat and relieve inflammation of the airway.
• stable: when applying, a medical condition is stable if:
1. you have no reason to expect medical treatment for the medical condition
or any symptoms after your effective date;
In the 12 months before your application date:
2. you have not received new or different medical treatment for the medical condition;
3. you have not had an alteration to an existing prescription drug or were prescribed a new prescription drug for the medical condition;4. , your medical condition has not become worse;
5. you have not experienced new, more frequent or more severe symptoms;
6. you have not had or needed medical consultation for undiagnosed symptoms;
7. you have not needed in-hospital care; a referral to a specialist, or a follow-up visit; and
8. you have not had tests or an investigation, whether you know the results or not, related to the medical condition.
alteration: an alteration to an existing prescription drug includes any of the following:
• a new medication
• a change in medication type
• an increase or decrease in medication dose
• the discontinuation of a medication; or
• an adjustment (stop and start) in an anticoagulation medication dosage due to surgery within ten (10) days before your application date.
The following alterations resulting from the regular maintenance of a condition where there is no change in the condition are not considered an alteration:
• a dosage adjustment for an anti-hypertensive or cholesterol lowering medication;
• a change from a brand name medication to a generic brand medication of the same dosage;
• if you are taking Coumadin/Warfarin for anticoagulation therapy and are required to have your blood levels tested on a regular basis (INR) and you are adjusting the dosage of your anticoagulation medication to ensure your INR is maintained within therapeutic range as directed by your physician(s); or
• if you are taking insulin or oral anti-diabetic medication for diabetes and are required to have your blood levels tested on a regular basis and you are adjusting the dosage of your medication to ensure your blood glucose level is maintained within therapeutic range as directed by your physician(s).
• medical consultation: a meeting with a physician to discuss and evaluate symptoms to diagnose a medical condition, illness or injury. It also includes meeting with a physician to evaluate your progress and medical treatment
• terminal illness: a disease that cannot be cured and is reasonably expected to result in death.
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