Common use of EMERGENCY DENTAL TREATMENT Clause in Contracts

EMERGENCY DENTAL TREATMENT. When an accidental blow to the mouth or face results in injury to an insured person, the insurer will pay for the emergency dental treatment necessary to restore or replace permanently attached artificial teeth or sound natural teeth lost or damaged in an accident, for which dental treatment is initiated within forty-eight (48) hours following an accident and completed within the policy period. Detailed medical documentation froma dentist, physician or surgeon must be provided to support an insured person’s claim. All indemnity payable for emergency dental treatment is subject to a maximum amount of $5,000 CAD per insured person, per injury. The insurer will reimburse the insured person in accordance with the suggested schedule of fees published by the Dental Association in the country in which treatment was received. If no such schedule of fees exists the insurer will reimburse according to the Dental Fee Guide in the insured person’s normal province or territory of residence in Canada. Part G - Repatriation or Local Burial When a covered injury or sickness results in loss of life of an insured person, the insurer will pay for the preparation and the transportation of the mortal remains of the insured person from the place of death to the country of permanent residence or back to Canada, or for the preparation and local burial of the mortal remains of an insured person where loss of life occurs outside Canada. This benefit is limited to $10,000 CAD and is excluded where death occurs in Canada. The cost of a casket or urn is excluded. Part H - Emergency Medical Evacuation This benefit MUST be pre-authorized by MSH International. Failure to obtain pre-authorization from MSH International will limit all indemnity payable for eligible emergency medical evacuation costs and for injury or sickness costs to 80% up to a maximum of $25 000 CAD, except in cases of a critical medical emergency when it is proven and accepted by MSH International that MSH International could not have been reached prior to a necessary emergency medical evacuation. When, by reason of injury or sickness , it is deemed medically necessary to evacuate an insured person who has a critical medical condition to the nearest hospital equipped to provide appropriate care and facilities, the insurer will reimburse the reasonable and customary costs per insured person per injury or sickness for emergency medical evacuation and medical care to such hospital. The insurer will also reimburse reasonable transportation costs for one other insured person accompanying the patient when this is deemed necessary, and will pay the cost of a one way economy airfare back to the insured person’s country of permanent residence. Benefits under Part H are not applicable in the event of a complicated maternity.

EMERGENCY DENTAL TREATMENT. When an accidental blow to the mouth or face results in injury to an insured person, the insurer will pay for the emergency dental treatment necessary to restore or replace permanently attached artificial teeth or sound natural teeth lost or damaged in an accident, for which dental treatment is initiated within forty-eight (48) hours following an accident and completed within the policy period. Detailed medical documentation froma dentist, physician or surgeon must be provided to support an insured person’s claim. All indemnity payable for emergency dental treatment is subject to a maximum amount of $5,000 CAD per insured person, per injury. The insurer will reimburse the insured person in accordance with the suggested schedule of fees published by the Dental Association in the country in which treatment was received. If no such schedule of fees exists the insurer will reimburse according to the Dental Fee Guide in the insured person’s normal province or territory of residence in Canada. Part G - Repatriation or Local Burial When a covered injury or sickness results in loss of life of an insured person, the insurer will pay for the preparation and the transportation of the mortal remains of the insured person from the place of death to the country of permanent residence or back to Canada, or for the preparation and local burial of the mortal remains of an insured person where loss of life occurs outside Canada. This benefit is limited to $10,000 CAD and is excluded where death occurs in Canada. The cost of a casket or urn is excluded. Part H - Emergency Medical Evacuation This benefit MUST be pre-authorized by MSH InternationalEBA. Failure to obtain pre-authorization from MSH International EBA will limit all indemnity payable for eligible emergency medical evacuation costs and for injury or sickness costs to 80% up to a maximum of $25 000 CAD, except in cases of a critical medical emergency when it is proven and accepted by MSH International EBA that MSH International EBA could not have been reached prior to a necessary emergency medical evacuation. When, by reason of injury or sickness , it is deemed medically necessary to evacuate an insured person who has a critical medical condition to the nearest hospital equipped to provide appropriate care and facilities, the insurer will reimburse the reasonable and customary costs per insured person per injury or sickness for emergency medical evacuation and medical care to such hospital. The insurer will also reimburse reasonable transportation costs for one other insured person accompanying the patient when this is deemed necessary, and will pay the cost of a one way economy airfare back to the insured person’s country of permanent residence. Benefits under Part H are not applicable in the event of a complicated maternity. Part I - Compassionate EmergencyTravel In the event that an insured person suffers an injury or sickness and is confined to a hospital outside Canada for a minimum period of seven (7) consecutive days, or suffers loss of life outside Canada, the insurer will pay a single round-trip economy airfare for an immediate family member to attend the insured person and/or identify the insured person. EBA will arrange for repatriation of the insured person’s remains. This benefit includes meals and accommodations for one immediate family member up to a maximum of $150 per day, is limited to $3,000 CAD per insured person, per injury or sickness and MUST be pre-approved by EBA. Part J - Parent Accompanying Child When an insured person under fifteen (15) years of age is hospitalized as an in-patient, the insurer will pay the reasonable and customary costs per insured person per injury or sickness charged by the hospital for one parent to stay with the child. Furthermore, if an insured person who is a single parent is confined to a hospital as an in-patient, the insurer will pay the reasonable and customary costs for a dependent child under fifteen (15) to stay with the insured person.