Insurance Policy information for Ringette BC’s Membership Insurance Program.
| Supplementary Benefits (as described herein) | Maximum Amount Payable Any One Accident |
|---|---|
| Prosthetic Appliances | $3,000 |
| Blanket Medical Expense Reimbursement | $10,000 |
| Rehabilitation Benefit | $3,000 |
| Tuition Benefit | $2,000 |
| Special Treatment Travel Expense Benefit | $1,000 |
| Out of Province – Excess Surgical and Medical Accident Benefits (applicable only within Canada) | $10,000 |
| Emergency Transportation Benefit | $50 |
| Eyeglass & Contact Lens Expense | $100 |
| Blanket Dental Accident Reimbursement | $5,000 |
| Dentures, Hearing Aids and Removable Teeth Expense | $200 |
| Fracture or Dislocation Benefit (including Greenstick Type Fracture) | |
| of the skull (depressed) | $500 |
| of the skull (not depressed) | $500 |
| of the spine (one or more vertebrae) | $250 |
| of the lower jaw (alveolar process accepted) | $75 |
| of the upper jaw | $75 |
| of the shoulder (dislocation) | $50 |
| of the clavicle (collar bone) | $75 |
| of the scapula (shoulder bone) | $75 |
| of the elbow | $50 |
| of the hip | $125 |
| of the pelvis | $125 |
| of the thigh (femur) | $125 |
| of the knee cap | $100 |
| of the sacrum or coccyx | $100 |
| of the sternum | $50 |
| of the leg (tibia or fibula) | $100 |
| of the upper arm (humerus) | $100 |
| of the forearm (radius or ulna) | $100 |
| of the hand or wrist (other than phalanges) | $100 |
| of the foot (other than phalanges) | $100 |
| of the ankle | $50 |
Note: Physiotherapy Limit – Treatment by a legally qualified physiotherapist is limited to $30.00 per visit to a maximum of $300.00 per accident.
Accidental Death and Dismemberment Benefits
where an accident causes death or any of the following losses within 365 days of the accident, the Insurer will pay for such loss.
| Maximum Amount Payable Any One Accident | ||
|---|---|---|
| 1 | Death | $10,000 |
| 2 | Loss of two or more limbs or total and irrecoverable loss of sight of both eyes or hearing in both ears or any combination thereof | $20,000 |
| 3 | Loss of one limb or total and irrecoverable loss of sight of one eye or total hearing of one ear | $15,000 |
| 4 | Loss of thumb or index finger | $2,000 |
| 5 | Quadriplegia (complete paralysis of both upper and lower limbs) | $20,000 |
| 6 | Paraplegia (compete paralysis of lower limbs) | $20,000 |
| 7 | Hemiplegia (complete paralysis of upper and lower limbs on one side of the body) | $20,000 |
| 8 | Any injury which prevents the Insured from engaging in any occupation or employment for which he/she is reasonably suited by education, training or experience continuously for a period of 12 months from the date of the accident and is deemed to be permanent or irrecoverable | $20,000 |
Important Note:
Benefits with regards to quadriplegia, paraplegia, and hemiplegia require total paralysis of the limbs which shall have been continuous for a period of 12 months from the date of the accident and is deemed to be permanent and irrecoverable.
Indemnity provided with respect to items 1) through 8) will not be paid under any circumstances for more than one of the losses, the greatest, sustained by any one insured as the result of any one accident.
