VISITORS TO CANADA MEDICAL INSURANCE

1. a physician has advised you not to travel
2. you have been diagnosed with a terminal illness with less than two (2) years to live
3. you have a kidney condition requiring dialysis; and/or
4. you have used home oxygen during the 12 months prior to the date of application.

Provided you are under age 60, your stable chronic condition coverage is automatically included without completing a Medical Declaration.

If you are age 60 to 85, a Medical Declaration must be completed to determine if you are eligible for the stable chronic condition coverage. If you are eligible and purchasing this option, you must pay the required stable chronic condition coverage premium. If you waive or are ineligible for this option, no Medical Declaration is required and you must pay the required standard rates.

If you are age 86 or over, a Medical Declaration is required to determine your eligibility for any coverage under this policy. If you are eligible to purchase this insurance, your policy does not include the stable chronic condition coverage and you must pay the required standard rates.

One or more persons may be insured under one policy. However, the effective date and expiry date must be identical for all applicants. Each applicant must pay their appropriate individual premium unless family rates apply. An application cannot contain more than two applicants age 60 and older and family rates are not available if any applicant under the policy is required to complete a Medical Declaration. Be sure to review the waiting period definition to determine if there is a period during which you will not be reimbursed for sickness-related claims.