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Optional Benefits

Accidental Death & Dismemberment - Coverage Details

This is a guide designed to provide information about the Optional Life Insurance. This is not a contract, and coverage will be subject to the terms and conditions of the Medavie Blue Cross policy.

Table of Benefits

Coverage

Maximum Amount Payable

Exclusions and Limitations

Definitions

Optional Benefits

Accidental Death & Dismemberment - Coverage Details

This is a guide designed to provide information about the Optional Life Insurance. This is not a contract, and coverage will be subject to the terms and conditions of the Medavie Blue Cross policy.

Table of Benefits

Coverage

Maximum Amount Payable

Exclusions and Limitations

Definitions

Table of Benefits

In the event of loss, Medavie Blue Cross will pay the following percentages of the coverage amount in effect at the time of the accident:

Loss of Amount of Coverage
Life 100%
Both hands or both feet 100%
Both arms or both legs 100%
Speech and hearing in both ears 100%
Sight in both eyes 100%
Sight in one eye and one hand 100% 100%
Sight in one eye and one foot 100%
One arm and one leg 100%
One arm or one leg 75%
One hand or one foot 66 2/3%
Sight in one eye 66 2/3%
Speech or hearing in both ears 50%
Thumb and index finger of any one hand 33 1/3%
At least four fingers of one hand 33 1/3%
Hearing in one ear 16 2/3%
All toes of one foot 12 1/2%
Paralysis
Quadriplegia 200%
Hemiplegia 200%
Paraplegia 200%
Loss of use of
Both arms or both legs 100%
Both hands or both feet 100%
One hand and one foot 100%
One arm and one leg 100%
One arm or one leg 75%
One hand or one foot 66 2/3%

Coverage

If, as a result of an accident, the plan member or dependent dies, falls into a Coma or suffers a loss defined in this benefit, Medavie Blue Cross will pay a specified percentage of the amount of the optional Accidental Death and Dismemberment benefit in effect at the time of the accident

To be covered, a loss must:

  • result from an accident that occurs while the plan member or dependent is covered under this benefit and
  • occur within 365 days after the date of the accident.

A plan member or dependent will be considered to have suffered loss of life as a result of an accident if the plan member’s or dependent’s death is due to accidental drowning



Maximum Amount Payable

The total amount payable for one or more losses or a coma that results from the same accident will not exceed 100% of the amount of coverage, except for Quadriplegia, Paraplegia and Hemiplegia that are paid at 200%.

Medavie Blue Cross will only pay one amount, the largest applicable, for injuries to the same limb that result from the same accident.

When a plan member is also covered by the group Accidental Death and Dismemberment benefit, the total maximum amount payable under this benefit and the group Accidental Death and Dismemberment benefit is limited to the following amounts:

  • Repatriation - total of $10,000
  • Rehabilitation - total of $10,000
  • Occupation Training for the Spouse - total of $10,000
  • Education for Children - total of $5,000 per year to a maximum of 5 years
  • Family Travel - total of $3,000
  • Common Disaster
  • Extended Family Benefit




Additional Benefits

Medavie Blue Cross will also pay the following additional benefits, if applicable, and subject to the terms and conditions of the policy:

  • Coma – 1% per month
  • Exposure and Disappearance
  • Repatriation – maximum of $10,000
  • Rehabilitation - maximum of $10,000
  • Occupation Training for the Spouse - maximum of $10,000
  • Education for Children - $5,000 per child to a maximum of 5 years
  • Family Travel – maximum of $3,000
  • Common Disaster
  • Extended Family Benefit



Exclusions and Limitations

Medavie Blue Cross will not pay any benefits for a loss or a coma that results directly or indirectly from the following causes:

  • any medical or surgical treatment or illness or disease of any kind, other than septic infection caused through a wound sustained as a result of an accident
  • suicide, attempted suicide or voluntary injury or Illness
  • voluntary ingestion of poison or drugs
  • inhalation of fumes, unless an occupational health and safety board has deemed such inhalation to be an accident
  • any accident or injury occurring while participating in a criminal act or attempting to commit a criminal act, regardless of whether charges are laid or a conviction is obtained
  • insurrection, war (declared or not), the hostile action of the armed forces of any country or participation in any riot or civil commotion
  • injuries sustained while flying or attempting to fly an airplane or other type of aircraft if the member or dependent is part of the crew or is performing any other flight duties or
  • any accident or injury that occurs while operating a vehicle under the influence of any intoxicant or with a blood alcohol level in excess of the legal limit in the jurisdiction in which the accident occurred

Definitions

State of unconsciousness with no reaction to external stimuli or response to internal needs that persists for a continuous period of at least 30 days.

Total and irrecoverable paralysis of the upper and lower limbs on one side of the body.

Any loss specified in the Table of Benefits.

Complete severance at or above the elbow joint.

Complete loss of two entire bones of a finger.

Complete severance at or above the ankle joint but below the knee joint.

Complete severance at or above the wrist joint but below the elbow joint.

Total and irrecoverable loss of hearing, sight or speech, certified by a Physician.

Complete severance at or above the knee joint.

Complete loss of one entire bone of a thumb.

Complete loss of one entire bone of the big toe or of all bones of any other toe.

Complete and irreversible loss of use of a limb for at least 12 months.

Total and irrecoverable paralysis of both the upper and lower limbs.

Total and irrecoverable paralysis of both lower limbs.

Questions?

We’re here to help! Please reach out
1-844-949-3809

Questions?

We’re here to help! Please reach out
1-844-949-3809


Medavie Blue Cross is a member of the Canadian Association of Blue Cross Plans.
*Trade-mark of the Canadian Association of Blue Cross Plans. †Trade-mark of the Blue Cross Blue Shield Association. All rights reserved.
Benefits are underwritten by Blue Cross Life Insurance Company of Canada.
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