myBenefits

The highlights below are provided as general information. Coverage for eligible costs are based on the contract detail. Reasonable and customary rates will be applied. Select the benefit for additional coverage details.

Ambulance:
Reimbursed at 80% to a maximum of $250 per occurrence.
(please click Supplemental Health for details.)

Prescription Drugs:
Reimbursed at 80% to a maximum of $3,000 per benefit year.
Based on the National Formulary with a generic rider.
$10 dispensing fee limit.
(please click Prescription Drugs for details.)

Vision:
Reimbursed at 100%, $40 for one eye exam and $100 for glasses or contact lenses every 24 months.
(please click Vision for details.)

Health Practitioners:
The services of paramedical practitioners are reimbursed at 80% to a maximum of $25 per visit. Each service has an overall plan maximum of $400 based on reasonable and customary charges, per benefit year. Practitioners must be registered and licensed in their field of practice.
(please click Supplemental Health for details.)

Medical Equipment & Supplies:
Reimbursed at 80%. A physician's prescription is required. Pre-authorization is suggested.
(please click Supplemental Health for details.)

Dental Coverage:
Exams covered at 80% once per benefit year. Overall plan maximum of $1000 per benefit year. 
(please click Dental for details.)

Dental Accident:
Reimbursed at 80% to a maximum of $1000 per accident (services must be performed within 12 months of accident; authorization required).
(please click Supplemental Health for details.)

Travel Insurance:
$5 million of coverage for emergencies and illnesses while travelling.
(please click Travel Insurance for details.)

Tutorial:
After 15 days of confinement due to illness or injury.
(please click Other Insurances for details.)


NOTE: In the event of any discrepancy between the information herein and our contract with the insurer, the terms of the contract will apply.

Please select an option to see details Ambulance Practitioners Medical Equipment Orthopaedics Trusses, Crutches, Splints, and Braces Prosthesis Dental Accident

Your drug plan covers a portion of the cost of most medications legally requiring a prescription. See below for more details.

Supplier	Insured Portion	Dispensing Fee Limit	Student Pays
Wyckham Pharmacy	90%	$9	10% of total cost
All other pharmacies	80%	$10	20% + excess dispensing fees

IMPORTANT! Advise your doctor and pharmacist that you are on the National Formulary.

Wyckham Pharmacy: Wyckham Pharmacy is located on campus in the basement of the Wyckham House Student Centre. Wyckham Pharmacy has agreed to charge a $9 dispensing fee for students on the Student Health Plan.

Annual Maximum: There is annual maximum of $3,000 for prescription drug expenses per benefit year.

Dispensing Fee Limit: The dispensing fee is covered at 90% at the Wyckham Pharmacy. At all other pharmacies the maximum allowable dispensing fee is $10 and is covered at 80%. Any dispensing fee amount not covered will be payable by the student.

Smoking Cessation: Your drug plan includes coverage Smoking Cessation Products that legally require a prescription. Reimbursed at 80% to a lifetime maximum of $500.

Generic Substitution: The maximum amount payable to an eligible brand name drug will be limited to the lowest priced item in the appropriate generic category.

The National Formulary is a specific list of drugs that are eligible for reimbursement under your drug benefit. Formularies are developed to ensure that prescription drugs are available on a cost-effective basis. It covers approximately 85% of the most frequently prescribed drugs. Formularies are reviewed regularly and as a result, updates are made on an ongoing basis. To find out if your prescription is covered by your formulary, you can click here.

Exception Process: In the event that the drugs covered by the Formulary are not effective in treating the condition, an exception process is in place. To be eligible for an exception, you must have tried one alternative drug listed on the Formulary. An exception drug request form is available below or from your Benefits Plan Office and must be completed by your physician. Completed forms may be returned to SAMRU Student Benefits Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form

Your plan covers 100% of the cost of eye examinations by an ophthalmologist or optometrist limited to one examination, in a 24 month period to a maximum of $40, based on reasonable and customary charges.

Your plan covers 100% of cost for the purchase of eyeglasses and/or contact lenses to a maximum of $100, once during a 24 month period, based on reasonable and customary charges.

Payment of dental benefits is based on the General Practitioners Dental Association suggested fee guide or the Insurance Reimbursement Rate set by the Canadian Life and Health Insurance Association Inc. (CLHIA) when a fee guide is not available. For services provided by a dental specialist, payment is based upon the General Practitioners Dental Association suggested fee guide.

Alternate Benefit - When there are two or more courses of treatment available to adequately correct a dental condition, reimbursement may be based on the cost of the least expensive treatment, which provides adequate care to the Insured.

IMPORTANT! Please submit a pre-determination/pre-authorization to the insurance carrier prior to treatment of specialist services and any treatment plan exceeding $500.

Your plan covers up to a maximum of $1000 per benefit year.
Please select an option to see details Diagnostic & Preventative Minor Restorative Major Restorative Endodontic, Periodontic and Oral Surgery

Tutorial*
Your plan covers 80% up to $15 per hour to a maximum of $2,000 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 15 consecutive school days.

*Applicable to the Student only. Family members are not eligible for reimbursement of Tutorial benefits.

Group Out-of-Province/Canada Travel Medical Emergency Insurance 

Provides coverage of up to a maximum of $5 million per insured person per coverage period for certain expenses incurred as a result of an emergency while travelling on trips that originated from your Canadian province or territory of residence. It is important to remind you that this coverage is not available in the province where you attend school or in your country of origin. Your coverage period is 180 days per trip. Coverage is subject to the terms and conditions provided in the Benefits Booklet

In addition, this insurance provides coverage for the following benefits:
• Up to $5,000 per insured person, per trip for trip cancellation 
• Up to $2,000 per insured person, per trip, for trip interruption; and
• Up to $1,000 per insured person, per trip, for baggage insurance. 

Information you will need along with your Travel Assist card when opening a claim:
Group Policy Number: 1170083
Certificate Number: Your MRU Student ID

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is subject to the terms and conditions in the Benefits Booklet. For benefit complete details regarding this coverage download your Benefits Booklet and travel medical assistance card.

The Personal Health Risk Assessment can be used to create a health profile, build an action plan to support your health and wellness needs and track progress.
Watch a short video about Personal Health Risk Assessment.

Limitations and Exclusions to Extended Health Benefits
No benefit is payable for:
1) expenses for which benefits are payable under a Workers' Compensation Act or a similar statute;
2) expenses incurred due to intentionally self-inflicted injuries;
3) expenses incurred due to civil disorder or war, whether or not war was declared;
4) expenses for services and products, rendered or prescribed by a person who ordinarily resides in the patient's home or who is related to the patient by blood or marriage;
5) expenses for which benefits are payable under a government plan;
6) expenses for benefits which are legally prohibited by the government from coverage;
7) out-of-province expenses for elective (non-emergency) medical treatment or surgery;
8) expenses for drugs which, in the insurer's opinion, are experimental;
9) expenses for dietary supplements, vitamins and infant foods;
10) expenses for contraceptives (other than oral);
11) expenses for drugs if they are used for the treatment of infertility;
12) expenses for the services of a homemaker;
13) expenses for items purchased solely for athletic use;
14) dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth;
15) utilization fees which are imposed by the Provincial Health Care Plan for the use of a service;
16) expenses for the regular treatment of an injury or disease which existed before the member's or dependant's departure from his/her province of residence;
17) immunizations and vaccines (Hepatitis B will be covered, except for Recombivax HB preservative free - DIN 02245976 & DIN 02245977); or
18) any other exclusion identified in the policy contract.

Limitations and Exclusions to Dental Benefits
No benefit is payable for:
1) any cause for which the insured may apply for and receive protection, exemption or compensation under any Workers' Compensation Act;
2) self-inflicted injuries while sane or insane;
3) war, insurrection or hostilities of any kind whether or not the insured was a participant in such actions;
4) participation in any riot or civil commotion;
5) committing or attempting to commit a criminal offence or provoking an assault;
6) dental care, treatment or supplies primarily for cosmetic purposes;
7) failing to keep scheduled appointments;
8) file transfers, the completion of claim forms or other documentation;
9) any dental treatment for the correction of temporomandibular joint disfunction;
10) expenses for crowns placed on a tooth not functionally impaired by incisal angle or cuspal damage;
11) any dental procedure which is not listed in the descriptions of dental benefits indicated herein;
12) charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit;
13) where coverage for services is provided under any government plan;
14) where services would be provided without charge in the absence of this policy; or
15) any other exclusions identified in the policy contract.