MEDOC TRAVEL INSURANCE POLICY - …

1 This INSURANCE is underwritten by Royal & Sun Alliance INSURANCE Company of CanadaINDIVIDUAL BMEDOC TRAVEL INSURANCE POLICYEffECTIVE SEPTEMbER 1, 2017 INDIVIDUAL B1 DETAILS AbOUT YOUR POLICYT ravel INSURANCE is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your POLICY before you TRAVEL as your coverage may be subject to certain limitations and pre-existing medical condition exclusion may apply to medical conditions and/or symptoms that existed prior to your trip. Check to see how this applies in your POLICY and how it relates to your departure date, date of purchase or effective date. In the event of an accident, injury or illness your prior medical history may be reviewed when a claim is reported.

2 If you have a medical emergency, you must notify the MEDOC Claims Assistance Centre immediately before seeking medical treatment. However, if you are unable to do so, because you are medically incapacitated, someone else must call on your behalf as soon as is reasonably possible. If you (or someone else on your behalf) do not call when the emergency occurs, eligible expenses will be reimbursed at 70% of reasonable and customary costs. You will be responsible for payment of any remaining : You must notify the MEDOC ClaiMs assistanCE CEntrE prior to any treatment. Your POLICY may limit benefits should you fail to do so within a specific time period. Some of the expenses and services eligible for payment under this POLICY must be pre-approved and arranged in advance by the MEDOC Claims assistance Centre.

3 IN THE EVENT Of A MEDICAL EMErGEnCYYou must contact the MEDOC Claims assistance Centre immediately: in Canada/USA in Mexico Worldwide collect WorldwidePLEASE READ THIS POLICY POLICY contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefit INSURANCE money is to be POLICY contains clauses which may limit residents of Quebec: The Parties hereby agree that this POLICY and related documents be drawn up in the English language only. Les Parties aux pr sentes ont convenu que cette police et les documents s y rattachant soient r dig s en langue anglaise B3 MEDOC plan TAbLE Of CONTENTSI talicized words in this POLICY have specific meanings explained in the Definitions section on page 26.

4 I General Information 4 A Eligibility ..4 B Applying for coverage ..4 C Your premium payment ..5 D Family Coverage ..5 E When does your coverage begin and end? ..6 F Extending your trip ..7 G Automatic extension of coverage ..7 H Cancellation and/or refund of premium ..8 II MEDOC plan Design 9 A Base plan ..9 B Supplemental plan ..10 C MEDOC Supplemental plan Health Options ..10 III MEDOC plan Emergency Medical and Non-Medical INSURANCE benefits 12 A Emergency Medical INSURANCE B Non-Medical INSURANCE Benefits ..16 IV Exclusions & Limitations 21 PART I Pre-existing Medical Condition Stability Clause ..21 PART II Additional Exclusions & Limitations ..22 V Definitions 26 VI TRAVEL Assistance Services 32 A When should you call the MEDOC Claims Assistance Centre?

5 32 B What Assistance services are available? ..32 VII How to make a claim 34 VIII General Provisions 38 IX Statutory Conditions 39 X Your Privacy 41 XI Important telephone numbers 424 INDIVIDUAL bA EligibilityTo be eligible for INSURANCE under the MEDOC plan , you must:a) be a member or a spouse of a member; b) be a Canadian resident and permanently reside in Canada;c) be insured under your Provincial or Territorial Health INSURANCE plan ; andd) be insured under the Public Service Health Care plan (PSHCP) or Canada Post Extended Health Care plan (CPEHCP).B Applying for coverageTo apply for coverage under this INSURANCE , you must complete the Application for INSURANCE form and return it with a personal cheque marked VOID to the Administrator. Premiums will be deducted through pre-authorized chequing.

6 The effective date of INSURANCE is the date the Administrator receives your completed, signed and dated Application for INSURANCE form. Your Application for INSURANCE form must be completed and received by the Administrator before your day of departure from your province or territory of residence in order for coverage to be plan has an additional feature to provide a new POLICY upon the expiry date of this POLICY . A new POLICY is issued for a maximum of 365 days commencing on the new POLICY effective date (September 1). The new POLICY is issued based on your previous POLICY year s plan selection(s) with the exception that each new POLICY is issued under the Standard Health Option for the Supplemental plan , regardless of your Health Option from the previous POLICY year.

7 You will receive written notification in advance of your coverage being issued under the new POLICY terms and conditions and the new premium rates in effect for the new POLICY year. Along with your notification, you will also receive a Health Option Questionnaire for completion. If you are insured under the Base plan you are not required to complete the Health Option Questionnaire. If you are insured under the Supplemental plan , or under the Base plan and are planning to upgrade to a Supplemental plan , the Health Option Questionnaire must be completed for each new POLICY year to be eligible for the Optimum Health Option or the Preferred Health Option. You have 60 days from the first premium deduction for that POLICY year to submit your completed, signed and dated Health Option Questionnaire to be eligible for the Optimum Health Option or the Preferred Health Option and Rate Schedule.

8 If you have any questions on how to answer the Health Option Questionnaire, please consult your physician. If you do not submit a completed, signed and dated Health I GENERAL INfORMATION5 INDIVIDUAL bOption Questionnaire, you will automatically qualify for the Standard Health Option and Rate Schedule. Coverage will begin on the effective date of the new POLICY , provided the required premium is paid, unless you provide written notice of termination to the Administrator within 60 days from the first premium deduction for the new POLICY year; or the Administrator provides you with written notice of termination within 60 days from the first premium deduction for the new POLICY year. If you no longer meet the eligibility requirements of the POLICY , you must advise the Administrator Your premium payment The total annual premium due for your coverage is payable either in one lump sum payment or alternatively, is divided into equal monthly payments, from the first premium deduction date following the purchase of the Base plan and/or Supplemental plan , to the last premium deduction date for that POLICY year.

9 Premium payments are paid through pre-authorized chequing bank deduction. In addition: a) For first-year applicants, the annual premium for the Base plan will be pro-rated from the effective date to the expiry date. First-year applicants are considered persons who were never previously insured under the MEDOC plan and/or persons who are re-joining the MEDOC plan after one (1) full POLICY year without ) If you are not a first-year applicant, and are re-joining the MEDOC plan within the same POLICY year, you will be required to pay the premium for the entire POLICY ) If two or more Supplemental Plans have been purchased during a POLICY year, the total monthly premium payable for all plans will be deducted each the lump sum bank deduction payment option, if we are unable to collect the premium, coverage will not be in any monthly premium not paid when due for any reason, a written Default Notice will be sent to you advising you of non-payment of premium, other than the initial premium, and the amount owing plus a service charge will be added to the next available premium deduction.

10 A 30-day grace period is allowed for each premium instalment due after the initial instalment. Coverage will terminate on the last day of the grace period if the instalment due has not been paid in full by that date and a notice of termination will be sent to family Coverage Family coverage is available to you, your spouse and dependent(s) when: a) you and your spouse qualify for the same Health Option and have paid the required premium for the Family Coverage or qualify for two different Health Options and have paid the required premium for two Single Plans; or b) you require coverage for dependent(s) and have paid the required premium for two Single Plans under this INSURANCE . 6 INDIVIDUAL bE When does your coverage begin and end? If you purchased the Base plan , your plan provides you with Emergency Medical and Non-Medical INSURANCE benefits from your effective date to August 31st inclusive, for any number of trips up to 40 consecutive days, outside your province or territory of residence, during the POLICY year.