School Plus

The School Plus Plan provides insurance coverage for accidental death, dismemberment and medical charges arising from accidents. This plan offers 365-day, 24-hour worldwide protection. Coverage begins on the Policy Date, which appears on the face page of the Policy Contract available at the school.

ELIGIBILITY

Full-time students, attending government and grant-aided preparatory, basic schools, primary and high schools; teachers of private schools are eligible for coverage. Participants must be between 1-60 years.

COVERAGES

There are four types of coverage providing up to $400,000 coverage. Provisions of each Option are available at our offices.

ACCIDENT MEDICAL EXPENSE REIMBURSEMENT

The plan provides coverage for medical expenses incurred within 30 days of an accident. Payment is on a reimbursement basis only. Covered expenses are:

Treatment by a physician
Confinement in hospital
Use of hospital out-patient facilities
Treatment by a licensed or graduate nurse, not a relative of the claimant
Dental treatment by a legally qualified professional, not a relative of the claimant

ACCIDENTAL DEATH

If injury results in the loss of life of an insured student within Three Hundred and Sixty-Five (365) days after the date of the accident, the Company will pay the Principal Sum stated in the Schedule of Benefits.

DISMEMBERMENT, LOSS OF SIGHT, SPEECH &HEARING

If injury results in dismemberment, loss of sight, speech, or hearing, within Three Hundred and Sixty-Five (365) days after the date of the accident causing such loss, the Company will pay the percentage of the Principal Sum stated for that loss. However, not more than one (the largest) of these benefits will be paid in respect of injuries resulting from any one accident.

PROOF OF CLAIM

Claims must be submitted within 90 days of the accident causing the injury and must be accompanied by a written notice of the injury. Claims must be submitted through the school and must be verified by the doctor, dentist or nurse who attended the insured for the injury.

TERMINATION OF COVERAGE

Coverage for any insured student or teacher will immediately be terminated on the earliest of the following dates:

The date the policy is terminated
The day the student graduates, is expelled, or leaves voluntarily; (Where the student enrols at another school which has a School Plus Plan, membership can be transferred)
The date the insured ceases to be eligible (i.e. is transferred to a school which is not covered under the School Plus Plan), or
The Policy expiration date.

PREMIUMS

Premiums under the policy are stated in the Master Application. Premiums are payable annually, at the beginning of the school year and are renewable at the end of each contract year. If coverage is to commerce after the beginning of the school year, premiums will be prorated, and only the portion of the premium in respect of the remaining months will be due. Where premiums are prorated, benefits stated in the schedule of benefits will also be prorated.