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

The benefits indicated represent the maximum eligible expenses per Insured.

Applicable when purchasing the Emergency Medical Care benefit within an Individual or Annual Travel Insurance product.

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

The benefits indicated represent the maximum eligible expenses per Insured. The Extended Health Care benefits are subject to a lifetime maximum of $ 15,000 per Insured. Applicable when purchasing the Emergency Medical Care benefit within an Individual or Annual Travel Insurance product.

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