Industrial Alliance Pacific - Alumni - Extended Health & Dental Insurance

Members and their spouses are eligible to apply for Health & Dental Insurance if they are under age 61, reside in Canada and are enrolled in a provincial health plan.

Member, as defined under the plan, includes alumni members, employees, faculty members and registered students.

Employee means a person who is employed with the University/College or Alumni Association at their Canadian operation on a full-time basis.

Registered student means a person who is enrolled in at least three courses of study at the University/College in a given year.

Spouse means the legal or common-law spouse of an eligible Member. Legal spouse means a person who is legally married and cohabiting with the Member and with whom there is no formal or informal agreement of separation. Common-law spouse means a person who has been cohabiting in a marriage-like relationship with the Member for at least 12 consecutive months.

You can also apply for Health & Dental Insurance for your dependent children if they reside in Canada and are enrolled in a provincial health plan.

Dependent Children means any natural child, step-child or legally adopted child of an eligible Member who is :

over 14 days of age and under 21 years of age, unmarried and receives full parental support and maintenance, or
21 years of age or over but under 25 years of age, unmarried and receives full parental support and maintenance for reason of full-time attendance at a recognized school, college or university.

Mentally or physically disabled children may remain covered past 21 years of age, provided they are incapable of self-sustaining employment and receive full parental support and maintenance from the Member.

Plan Features

Depending on your needs and budget, IAP has a plan perfectly suited to you. Choose between the Basic and Comprehensive Plan and whether you want Health only or Health & Dental coverage (see chart below for plan details).

Health Insurance
	Basic Plan	Comprehensive Plan
Drugs	% of payment - 70% Maximum $2,500 per year Dispensing fee - Up to $5 Generic drugs only No oral contraceptives	% of payment - 80% Maximum $5,000 per year Dispensing fee - Unlimited Brand name drugs Includes oral contraceptives
Hospital Acute Careor	Not available	Choice of : a. Private/Semi-private : 100% for up to 120 days; or b. Ward: $40 daily cash for up to 120 days
Convalescence	Not available	Private/Semi-private : 100% for up to 120 days
Vision	$100 every 2 years, including eye exams No waiting period	$300 every 2 years, including eye exams No waiting period
Extended Health Benefits	Lifetime Maximum - $50,000 % of payment - 70% Major Medical Equipment - $2,000 per year Private Duty Nurse - $2,000 per year Ground & Air Ambulance - subject to Lifetime Maximum Prosthetic Appliances - $2,000 per year Hearing Aids - $300 every 5 years Accidental Dental - $2,000 per accident Paramedical per year - $300 combined (Chiropractor, Podiatrist, Osteopath, Speech Therapist, Naturopath, Physiotherapist, Massage Therapist, Psychologist)	Lifetime Maximum - $250,000 % of payment - 85% Major Medical Equipment - $3,000 per year Private Duty Nurse - $3,000 per year Ground & Air Ambulance - subject to Lifetime Maximum Prosthetic Appliances - $3,000 per year Hearing Aids - $500 every 5 years Accidental Dental - $3,000 per accident Paramedical per year - $600 combined (Chiropractor, Podiatrist, Osteopath, Speech Therapist, Naturopath, Physiotherapist, Massage Therapist, Psychologist)

Optional Dental Insurance
	Basic Plan	Comprehensive Plan
Basic Dental Includes oral surgery, periodontics & endodontics	First year Maximum $300; Subsequent Maximum per year, $500 Recall - 12 months for adults, 9 months for children A 3 month waiting period applies to all new members % of payment - 70% of all non-major expenses	First year Maximum $500; Subsequent Maximum per year, $1,000 Recall - 9 months for adults and children A 3 month waiting period applies to all new members % of payment - 80% of all non-major expenses
Major Dental Includes crowns, bridges and dentures	Not available	2 year waiting period % of payment - 60% Included in Basic Dental maximum

Additional Benefits

Money Back Guarantee
Once your application is received and approved, you will be sent a Certificate of Insurance. You will have 60 days to review it to ensure that it meets your needs. If you are not satisfied for any reason you can return your certificate to IAP within 60 days and you will receive a full refund of any premiums already paid.

Premium Rates

Monthly Health & Dental Insurance Premium Rates

Basic Health Plan
Member/Spouse Age:	BC	AB	SK	MB	ON	QC	Atlantic Provinces	Territories
21 - 44	$23.00	$25.75	$21.25	$22.50	$25.75	$22.50	$24.00	$25.00
45 - 54	30.50	35.50	29.00	30.50	35.50	29.50	32.00	27.50
55 - 64	35.00	41.75	34.25	36.00	41.75	33.75	38.00	30.25
Each Dependent	13.50	15.25	12.25	13.25	15.50	12.00	13.50	12.50

Basic Health & Dental Plan
Member/Spouse Age:	BC	AB	SK	MB	ON	QC	Atlantic Provinces	Territories
21 - 44	$46.25	$51.50	$42.50	$45.00	$51.50	$44.75	$47.50	$50.00
45 - 54	55.50	64.50	52.75	55.25	64.50	53.50	58.00	50.00
55 - 64	58.50	69.50	57.25	60.25	69.50	56.25	63.00	50.25
Each Dependent	22.50	25.50	20.50	22.00	26.00	20.00	22.50	20.75

Comprehensive Health Plan
Member/Spouse Age:	BC	AB	SK	MB	ON	QC	Atlantic Provinces	Territories
21 - 44	$43.00	$47.50	$39.75	$41.50	$50.50	$42.25	$44.00	$40.50
45 - 54	52.25	58.25	48.00	50.50	62.25	51.75	53.00	49.25
55 - 64	57.75	64.00	54.25	56.25	72.50	56.00	59.50	53.25
Each Dependent	24.00	27.00	22.00	23.25	28.50	22.50	24.00	23.75

Comprehensive Health & Dental Plan
Member/Spouse Age:	BC	AB	SK	MB	ON	QC	Atlantic Provinces	Territories
21 - 44	$86.00	$95.25	$79.50	$82.75	$101.00	$84.50	$87.50	$81.25
45 - 54	104.25	116.50	96.25	101.00	125.50	103.25	105.50	98.50
55 - 64	115.50	158.00	108.50	112.25	144.75	112.00	119.00	106.25
Each Dependent	43.75	49.00	39.75	42.25	51.75	40.75	43.50	43.25

Coverage for your Dependent Children will terminate on the earliest of the following dates:

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