In the event of any conflict between any documents, including this website and the Certificate of Insurance, the Group Policy shall govern Coverage is subject to all of the provisions contained in the applicable Group Policy. A description of the principal provisions of the coverage is provided in the Certificate of Insurance, which will be mailed to you if you are approved for coverage. This website provides descriptions of only some of the benefits and limitations of ScotiaLife® Health & Dental Insurance. ScotiaLife® Health & Dental Insurance coverage is subject to certain limitations, restrictions and exclusions. ScotiaLife® Health & Dental Insurance is underwritten by Sun Life Assurance Company of Canada. ScotiaLife Financial is the brand name for the Canadian insurance business of The Bank of Nova Scotia and certain of its Canadian subsidiaries such as Scotia Life Insurance Company.ġGroup Policy plan year begins January 1st and ends December 31st of each year Registered trademark of The Bank of Nova Scotia, used under license.
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Durable Equipment - $2,500 annual maximum.Emergency air ambulance - $10,000 maximum per incident.Ambulance - 75% coverage for ground ambulance.Orthotics - Orthotics, including custom orthopedic shoes - $300 annual maximum.Hearing Aids - $400 maximum every 5 years.Accidental Dental - Up to an annual maximum of $2,000.Private Duty Nursing - Up to an annual maximum of $2,500.Coverage includes: prescription glasses, contact lenses, prescription sun glasses, and laser eye surgeryħ5% of the cost up to a lifetime maximum of $20,000:.$150 maximum every 2 years, including a maximum of $50 per biannual eye exam (1 exam per year for a person under age 18).1 year waiting period from effective date of coverage.Includes: Chiropractor, Osteopath, Podiatrist, Chiropodist, Registered Massage Therapist, Naturopath, Speech Language Pathologist, Psychologist, Physiotherapist and Acupuncturist.
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$800 per year maximum combined for all practitioners.75% coverage up to a maximum of $25 per visit and 12 visits per practitioner per year.Coverage is not available for pre-existing conditions within the past 9 months.
Sun life dental providers upgrade#
Upgrade to a semi-private room - 75% of the incremental cost up to a maximum of $150 per day 60 days maximum per year.ġ00% coverage is available during the first 30 days of a trip (out of province or out of country) up to a lifetime maximum of $1 million.
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Convenient drug card provided (not available in Quebec).Covers a maximum dispensing fee of $5.00 per prescription (not applicable in Quebec), $250 lifetime maximum of $10,000smoking cessation drugs and $250 annual maximum for oral contraceptives.Unless a specific drug is prescribed, the plan covers 75% of the cost of the generic drug equivalent Covers 75% of drugs that legally require a written prescription by a doctor or dentist up to an annual maximum of $10,000.Maximum: Lifetime maximum of $1 million per person (not including Emergency Medical and Travel Assistance).