VHIP STUDENT  HEALTH INSURANCE 
学生医疗保险 

Medical Coverage
医疗保障范围 

Pre-existing condition coverage
既往病史保障 

Yes, if consultation or treatment is not within 6 months prior to the commencement of insurance.
是的，如在保险生效前 6 个月内未就该病症进行过咨询或治疗，则可获得保障。

Eligible Medical Expenses
符合条件的医疗费用 

Emergency medical treatment for sickness or injury, whether in-patient or out-patient.
因疾病或受伤导致的紧急医疗治疗
（包括住院及门诊）

Follow - up Visits
No limitations.
复诊 : 无次数限制 

Physician /Surgeon/Anesthetic - Yes. 医生 / 外科医生 / 麻醉师： 保障 

Registered Graduate Nurse - Yes.
注册护士： 保障 

 X-Ray Laboratory Examination - YesX 光与实验室检查： 保障 

Eye Examination - Yes: one (1) visit in a twelve ( 12 ) month period
眼科检查： 每 12 个月可享一次 

Ambulance-  local/mountain/sea rescue
救护车服务： 包括本地、山地及海上救援 

Maternity Benefits -Yes, provided the pregnancy commenced during the term of the insurance (childbirth and miscarriage not covered).
孕产福利： 若怀孕发生于保险有效期内，可享保障（分娩及流产不在保障范围内

Travel Outside of Canada加拿大境外旅行 

Includes USA & Mexico as long as the majority of the period of the coverage 51% is spent in Canada, up to 30 days. 

包括美国和墨西哥，但前提是保险期间 51% 以上时间在加拿大，且最长可覆盖 30 天。

Claims Procedure 理赔程序

Consult the claim guideline in your policy working.
请参照您的保单中的理赔指南操作。

Annual Body Check up
年度体检 

Once a year. 每年一次。

Exclusion
除外责任 

Please see policy for details.
详情请参阅保单条款

Also Included 额外保障 

Common Carrier Accident to a maximum limit of $100,000.00 and 24 Hour Accident, to a maximum of $15,000.00.
公共交通工具意外：最高赔付 100,000 加元 
24 小时意外保障：最高赔付 15,000 加元 

Benefit /Maximum Limit
保障项目 / 最高赔付额度 

Maximum Liability -$1,000,000
最高责任限额： $1,000,000 

Family Transportation Expense $1,500家庭交通费用： $1,500 

Return Home for Medical Treatment $5,000
因医疗需要回国： $5,000 

Prescription Drugs $500
处方药费用： $500 

Emergency Dental Expenses /Treatment - $500
紧急牙科治疗费用： $500 

Accidental Dental Expenses -$4,000
意外牙科费用： $4,000 

Physiotherapy/Chiropractic/
Chiropodist/Osteopath/ Podiatrist - $500
物理治疗 / 脊椎按摩 / 足部护理 / 整骨治疗： $500 

Cremation -  $4,000
火化费用： $4,000 

This is not a travel insurance policy.
This is a summary of coverage.
See the policy pamphlet for complete details.

注意事项：