AMI Health Insurance Product
The AMI Health Insurance Plan is the perfect complement to the public healthcare plan as it enhances your quality of life. Forget about waiting lists; book an appointment for a medical examination at a private clinic, enjoy a more comfortable stay at the hospital and get reimbursed for services that are not covered by RAMQ. AMI Health Insurance: for your total peace of mind!
Plan A
Hospitalization and Diagnostic Services
Essential coverage for hospitalization and medical examinations
Avoid waiting lists by booking an appointment at a private clinic for an MRI, scanner or laboratory test and get your results faster. In case of hospitalization, enjoy the comfort of a semi-private room and home nursing care for your convalescence.
Hospitalization
100% reimbursement, no deductible
| Expenses related to your stay in a semi-private room: | |
|---|---|
| In a hospital for short-term care | Unlimited number of days |
| In a public or private convalescent home | Combined maximum of 90 days |
| In a physical rehabilitation centre | |
| If a semi-private room is unavailable, you will receive a daily compensation of $25 from the 4th to the 18th day of hospitalization. | |
Diagnostic Services
80% reimbursement, after the annual deductible of $50
| Medical examinations | |
|---|---|
| Laboratory tests (blood and urine, throat culture and cytology) | Unlimited |
| Scanner (computerized tomography) | $250/calendar year |
| Magnetic resonance imaging (MRI) | $675/calendar year |
| Ultrasound | $100/calendar year |
| Polysomnography | $500/24 months |
| Other services | |
| Home nursing care | 20 periods of 8 hours, max. 160 hours (fees of a registered nurse) |
| Ambulance transportation, under the age of 65 | To or from the nearest hospital |
| Purchase or rental of a non-motorized wheelchair or a manual hospital bed | |
Plan B
Hospitalization, Diagnostic Services and Extended Health Care
Ideal coverage for most of your health needs
In addition to the hospitalization expenses and diagnostic services covered by Plan A, get reimbursed for services that are not covered by RAMQ, such as healthcare professionals other than physicians. The benefits indicated represent the maximum eligible expenses per Insured.
Hospitalization
100% reimbursement, no deductible
| Expenses related to your stay in a semi-private room: | |
|---|---|
| In a hospital for short-term care | Unlimited number of days |
| In a public or private convalescent home | Combined maximum of 90 days |
| In a physical rehabilitation centre | |
| If a semi-private room is unavailable, you will receive a daily compensation of $25 from the 4th to the 18th days of hospitalization. | |
Diagnostic Services
80% reimbursement, after the annual deductible of $50
| Medical examinations | |
|---|---|
| Laboratory tests (blood and urine, throat culture and cytology) | Unlimited |
| Scanner (computerized tomography) | $250/calendar year |
| Magnetic resonance imaging (MRI) | $675/calendar year |
| Ultrasound | $100/calendar year |
| Polysomnography | $500/24 months |
Extended Health Care
100% reimbursement, no deductible
| Services of healthcare professionals no prescription required | |
|---|---|
| Acupuncturist, audiologist or hearing-aid specialist, chiropractor, occupational therapist, naturopath, osteopath, physiotherapist or physical rehabilitation therapist, podiatrist | $25/visit, maximum of 20 visits per calendar year |
| X-rays by chiropractor | $25/year |
| Eye care | |
| Glasses, contact lenses or soft intraocular lenses following a cataract surgery | Max. $200/36 months |
80% reimbursement, after the annual deductible of $50
| Hospitalization expenses | |
|---|---|
| Private room in a hospital for short-term care | Unlimited number of days |
| Ambulance transportation, under the age of 65 | To or from the nearest hospital |
| Home nursing care | 20 periods of 8 hours, max. 160 hours (fees of a registered nurse) |
| Devices and medical accessories | |
| Devices and accessories for ostomy patients | Unlimited |
| Syringes, hypodermic needles and reagent strips for diabetics | |
| Purchase or rental of a manual hospital bed, a non-motorized wheelchair and a respirator | |
| Accessories such as walkers, canes, crutches, casts, trusses and oxygen supply | |
| Purchase of elastic stockings | $100/calendar year |
| Prostheses and accessories | |
| Purchase or repair of hearing aids | $500/36 months |
| Purchase of a breast prosthesis | $150/year |
| Initial cost of a capillary prosthesis following chemotherapy | $300 |
| Purchase and adjustment of orthopaedic shoes or podiatric ortheses | $200/calendar year |
| Eye care | |
| Eye examination (for people under 65) | $50/24 months |
| Other | |
| Dental care following an accident | $1,000/accident |
| Cost for having a medical questionnaire completed by your physician in order to obtain Blue Cross Travel Insurance | Max. $75/year |
Optional Benefit
Home Health Care
This benefit covers the expenses related to your convalescence in order to ensure a better recovery.
You may be eligible for the expenses listed below following a hospitalization, day surgery or after obtaining a medical prescription specifying that you are unable to perform 2 out 5 activities of daily living without assistance (eating, dressing, bathing, getting around and using the toilet).
100% reimbursement, no deductible
| Personal and home health care | |
|---|---|
| Home nursing care fees by a registered nursing assistant or home health aide | Max. $50/day |
| Care provided by a relative or a friend | Max. $25/day |
| Home nursing care and the care provided by a relative or friend may not be combined | |
| Monthly benefit | |
| Monthly benefit provided if 30 days following an accident or an illness, you are unable to perform 2 out 5 activities of daily living without assistance | $200/month, max. 3 months |
80% reimbursement, no deductible
| Expenses related to medical treatments | |
|---|---|
| Transportation costs in order to receive medical care or for a follow-up | $50/day, max. $500/year |
| For cancer patients | max. $1 500/year |
| Medical devices required for home nursing care | Max. eligible expenses $150/year |