08.912MFTI Student Materials

Brochure: English- companion to Application

OUTSIDE

Flat Size: 15.3125" x 8.5"Folded Size: 3.875" x 8.5" (roll folds)Vertical Folds: 3.75", 7.5625", 11.4375"

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24/7 Worldwide Assistance

Your Manulife Financial Travel Insurance for Studentsplan includes a comprehensive assistance serviceavailable 24 hours a day, 7 days a week.

Our Assistance Centre is always just a phone call away,ready to provide you with the professional help youmay need, anywhere in the world, in the event of amedical emergency.

Limitations and Exclusions

No benefits will be paid for any4:

• Pre-existing condition which has not remainedstable in the 3 months prior to the effective dateof your coverage.

• Injury or illness which began in your homecountry during a Trip Break.

• Injury or illness, which began outside ofCanada when more than 15 consecutive dayswere spent outside of Canada (not applicable toOutbound Students).

When Coverage Begins

Coverage starts on the latest of:

• The effective date as shown on your application

• The beginning of the trip, which is:

- for an Inbound Student, the date and timeof arrival in Canada

- for an Outbound Student, the date and timeof departure from Canada

- for a National Student, the date and timeof departure from the province/territoryof residence

- The date we receive the correct premium

Complete and return your application today!

For assistance, contact your advisor/agent:

This brochure is designed to outline the benefits for which you may beeligible and does not create or confer any contractual or other rights.All rights with respect to the benefits of an Insured will be governed

solely by the Policy issued by The Manufacturers Life Insurance Company.Premium rates may change without notice.

Manulife Financial and the block design are registered service marks andtrademarks of The Manufacturers Life Insurance Company and are used

by it and its affiliates including Manulife Financial Corporation.

AT0107E (04/2009)

Stay protected in the eventof a medical emergency while

studying away from home

Travel Insurancefor Students

Travel Insurance

Travel Insurance

4 Other exclusions, limitations, and conditions apply. Please see the policy or contact your advisor/agent for details.

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08.912MFTI Student Materials

Brochure: English- companion to Application

INSIDE

Flat Size: 15.3125" x 8.5"Folded Size: 3.875" x 8.5" (roll folds)Vertical Folds: 3.875", 7.75", 11.5625"

Colours – 4/4:C M Y K

When youʹre studying away from home,you may not be protected against thecosts of a medical emergency.

If you are a Canadian studying abroad or in anotherCanadian province/territory, or if you are a non-Canadianstudying in Canada, Manulife Financial Travel Insurancefor Students is your way to get coverage for up to$1 million in benefits if a medical emergencystrikes unexpectedly.

Manulife Financial Travel Insurance for Students alsooffers a reimbursement of your tuition costs, (up to$5,000 per semester), if you cannot complete yourstudies due to an unexpected medical emergency. Alsoincluded is coverage for non-emergency costs, forannual medical exams, eye examinations and pregnancy.

But your protection doesn’t stop there! Your coveragealso includes Accidental Death and Dismembermentbenefits of up to $10,000 at no additional cost.

You can also purchase coverage for your eligible spouseand dependant children who are living with you.

Eligibility

• A Canadian who is covered under a Canadianprovincial/territorial government health insuranceplan1 and who is temporarily living outside Canadaas a full-time student or as a spouse or dependantof a full-time student is eligible to apply for coverageas an Outbound Student.

• A Canadian who is covered under a Canadianprovincial/territorial government health insuranceplan1 and who is temporarily living in a Canadianprovince/territory other than their homeprovince/territory as a full-time student or as a spouseor dependant of a full-time student is eligible to applyfor coverage as a National Student.

• A non-Canadian who is temporarily living in Canadaas a full-time student or as a spouse or dependant ofa full-time student is eligible to apply for coverage asan Inbound Student.

It’s your responsibility to ensure continued coverage,where applicable, under the provincial/territorialgovernment health insurance plan of theprovince/territory where you permanently reside.

All applicants must be under the age of 55.

Post-doctoral research students are consideredfull-time students.

Full-time students enrolled in a recognized institute oflearning can apply for coverage any time to be effectivewithin 30 days prior to commencing a semester.

A student card with student number and enrollmentdates or an enrollment invoice is also required as proofof enrollment with any claim submission.

A person is NOT eligible for coverage if he/sheanswers “Yes” to ANY of the following questions:

• Has a physician advised you against travel?

• Do you require kidney dialysis?

• Have you have used home oxygen at anytime during the 12 months prior to the dateof application?

• Have you have been diagnosed with a terminalillness with less than two years to live?

Emergency Medical Insurance Manulife Financial Travel Insurance for Students provides Emergencyand Non-emergency coverage up to an overall maximum sum of$1,000,0002 per insured for the following services:

Medical Insurance Up to the maximum sum for the following hospital and physician expenses:- up to 60 days of hospitalization per injury or illness- up to 30 days of hospitalization for psychiatric treatment- up to 5 follow-up visits with a physician- plus diagnostic services and medical appliances

$5,000 for psychiatrist fees

Private Duty Nurse Up to $10,000

Ambulance Services Up to $5,000 per unrelated illness or injury

Paramedical Services Up to $500 per profession

Prescription Drugs Up to 30 days supply of prescription medication

Dental Expenses Up to $2,500 for accidental injuryUp to $100 for relief of painUp to $250 per extracted wisdom tooth

Bringing Family to Your Bedside Return airfare up to $3,000Up to $150 per day, to a maximum of $1,500, for living expenses

Trauma Counselling Up to 6 sessions of trauma counselling

Emergency Evacuation Home Up to $100,000

Repatriation of Mortal Remains Up to $3,000

Tuition Reimbursement Up to $5,000 per semester

Trip Break Return home to attend special events for up to 21 consecutive days

Non-Emergency Medical Insurance

Annual Medical Exam Up to $100 per year

Eye Examination Up to $150, one visit per year

Maternity Benefit Up to $20,000

Accidental Death And Dismemberment3 Up to $10,000

Travel Outside of Canada Emergency medical coverage (applicable to Inbound Students andNational Students only); Up to the lesser of: 15 consecutive days or49% of your period of coverage

Travel Insurance for Students can cover you around the clock, anywherein the world.

1 If you are travelling for longer than 183 days (212 in Ontario and Newfoundland) it is your responsibility to ensure continued coverage, where, available, underthe government health insurance plan of the province/territory where you permanently reside.

2 Excluding Accidental Death and Dismemberment.3 Not included in overall maximum.All benefit amounts are in Canadian funds.

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