Coverage

You are well covered with iMED.

It is important that you read about your health insurance coverage.

For policies with an effective date between August 1, 2022 - July 31, 2023
Please note that for policies with an Effective between August 1, 2022 and July 31, 2023, iMED policy PM8686120 has been endorsed to add the following new benefit:

COVERAGE DURING A TEMPORARY VISIT TO HOME COUNTRY
After the later of the commencement of foreign study assignment and the Effective Date, Emergency medical care may be covered for an unforeseen Sickness, Injury, or Accident that occurs during a Temporary Visit to the Insured Personís Home Country, subject to meeting the criteria and conditions of the policy definition of Temporary Visit to Home Country.

Temporary Visit to Home Country: Means a temporary visit or visits to oneís Home Country that occurs during the Coverage Period, after the Insured has commenced residing in the country of foreign study assignment. Coverage during a Temporary Visit to Home Country is restricted to Emergency medical care for an unforeseen sickness, injury or accident. Routine Care for a pre-existing medical Condition is not covered during a Temporary Visit to Home Country. Unless pre-approved in writing from the Insurer, or its authorized representative, coverage during a Temporary Visit to Home Country cannot exceed the cumulative maximum of 15 days during the Coverage Period.

An amended version of the PM8686120 policy wording will be uploaded here once available.

For policies with an effective date between August 1, 2020 - July 31, 2022

To request pre-approval for a specific medical treatment or procedure, contact MSH International (Canada) Ltd. by email precert@msh-intl.com. Be sure to include your full name as it appears on your iMED Card, plus your policy number, and your certificate number (if you know it).

If you are hospitalized contact MSH Assistance immediately, or have someone contact MSH on your behalf.

If you have any questions about your iMED enrollment or for general guidance about using your iMED coverage please contact David Cummings Insurance Services.