JF Royal Visitor Plan

TORONTO:15 Wertheim Court, Suite 501Richmond Hill, ON, L4B 3H7Tel: 905-707-1512Fax: 1-888-784-9608Email: info@jfgroup.ca

VANCOUVER:128-6061, No. 3 RoadRichmond, BC, V6Y 2B2Tel: 604-232-0896Fax: 604-232-0897Email: vancouver@jfgroup.ca

Insurance is administered by JF Insurance Agency Group Inc.Travel assistance and claims services are provided by Ontime CareWorldwide Inc. Insurance is underwritten by Berkley Canada

This brochure provides a description of the coverage available. The full details of the coverage are contained in the policy including limitations, exclusions, and termination provisions. If there are any conflicts between this document and the Policy, the Policy shall govern.

General EnquiryWhy Buy Insurance?

We don’t like to think about it, but sudden, unexpected accidents or illnesses do happen, and

Health care costs around the world can be very expensive. Hospitals can charge thousands of dollarsper day. Your health plan may or may not cover a minute portion of these cost. Without adequate insurance coverage you could be responsible from dollar one, which could create a massive impact on

JF INSURANCE Y IN

GA.C

ENC

Specializes in Hospital and Medical Insurance for Visitors, Travellers and International Students

Welcome ToCanada

July 26, 2019

JF Insurance Agency Group Inc. Your Gateway to Travel Medical Insurance Solution

Hospital Accommodation•Reasonable and customary cost for inpatient and outpatient treatment

Medical Services•Medical treatment by a physician, surgeon, anaesthetist or registered graduate

Diagnostic Services

Private Duty Nursing during Hospitalization

Ambulance Services•When reasonable and medically necessary, licensed ground ambulance service to the nearest hospital

Prescription Drugs•limited to a 30-day supply per prescription unless you are hospitalized

Medical Appliances•Cast, splints, trusses, braces, crutches, rental of a wheelchair or other minor medical appliances

Paramedical Services•Chiropodist, chiropractor, osteopath, physiotherapist, optometrist or podiatrist, up to $500 per type of practitioner provided such treatment isprescribed by a physician and approved by Ontime Care

Acupuncture•Up to $500 with a 365-day policy

Treatment of Dental Accident•Up to $3,000

Emergency Relief of Dental Pain•Up to $500

AD&D

Repatriation•When approved in advance by Ontime Care

Preparation and Return of Remains•Up to $10,000

To be eligible for coverage under this plan, the applicant must:

1.be a visitor to Canada, a person with a Canadian work visa or super visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government health insurance plan in Canada;

2.be at least 15 days of age on the date of purchase;

3. not be travelling against the medical advice of a physician and/or have been diagnosed with a terminal illness. A terminal illness means that you have a medical condition that is cause for a physician to estimate that you have less than 6 months to live or for which palliative care has been received.

4.not have a kidney disease requiring dialysis;

5.not have Congestive Heart Failure, AIDS or require the use of home oxygen;

6.not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention.Note: Your spouse and/or child(ren) must also meet all the criteria to be eligible for family coverage under this plan.

Eligibility

nurse( other than an immediate family member).

July 26, 2019

•Up to sum insured or maximum $150,000

$2,500 Dedu ble(Disappearing) 30% Discount

$2,500 Dedu ble(Disappearing) 25% Discount

$3,000 Dedu ble 30% Discount

Age 86 and older: $500 Deduc�bleAge 15 Days to Age 85: $0 Deduc�ble

Without pre-exis�ng condi�ons coverage op�onRate Schedule 2 - Daily Rates

(Not Available to Age 86 and older)

$100 Dedu ble 5% Discount

Applies to $50,000 Policy Limit only - Up to Age 85 - Per Person, per claim

Applies to $25,000 Policy Limit only - Any Age - Per Person, per claim

$1,000 Dedu ble 20% Discount$500 Dedu ble 15% Discount

86+

04649300/A/A

70-7475-7980-85

02731750

N

65-69

Up to 26-4041-6061-64

$10,000 $15,00025 $1.14

0,000 $200,000 $300,0000 $150$25,000 $50,000 $100,0

Berkley Insurance Company Rates - Effec�ve July 26, 2019

$10,000 $15,000 $25,000 $50,000 $100,000 $150,000 $200,000 $300,0Up to 25 $1.70 $2.04 $2.27 $2.49 $3.59 $4.30 $5.38 $6.26-40 $1.86 $2.22 $2.49 $2.74 $4.02 $4.66 $5.83 $6.41-60 $2.14 $2.55 $2.86 $3.11 $4.20 $4.70 $7.19 $8.61-64 $2.44 $3.11 $3.73 $4.02 $4.70 $5.50 $7.93 $9.65-69 $3.00 $3.91 $4.72 $4.80 $5.94 $7.40 $9.25 $10.70-74 $4.85 $6.32 $7.60 $8.35 $9.30 $12.17 $15.21 $17.75-79 $5.80 $7.54 $8.96 $9.50 $11.59 $13.80 $18.01 $20.80-85 $9.50 N /A $13.00 $15.52 $19.00 N/A N/A86+ N/A N/A N/A N/A N/A N/A N/A N

$0 Ded bleWith stable pre-e g con ons coverage on

$1.28

$1.84$1.43

$2.10$3.31

$5.93$4.05

$9.13

$1.43$1.55

$2.18$1.79

$2.74$4.39

$7.64$5.26

$12.00

$1.55$1.70

$2.75$1.99

$3.09$4.30

$9.35$5.08

$14.30

$1.70$1.85

$3.31$2.28

$3.68$6.16

$10.00$7.16

$16.40

$2.28$2.65

$3.97$3.38

$5.08$6.99

$13.94$8.67

$22.30

$2.72$3.09

$4.70$4.05

$5.45$9.00

$15.50$10.25

$3.40$3.85

$6.75$6.11

$7.40$12.50

$18.85$13.58

$4.41$4.78

$6.76$6.07

$8.02$12.96$14.98

N/A N/A N/AN/A

JF Insurance Agency Group Inc.

JF ROYAL VISITORS TO CANADARate Schedule 1 - Daily Rate

Deduc�ble op�ons: