以下是加拿大GMS公司专门为加拿大居民前往境外留学而设立提供的加拿大学生境外留学医疗保险计划简介。计划名称为StudentPlan。以下简要来源GMS公司网站，扼要说明了计划的承保范围与特点。有关更详细的说明，包括申请资格要求、不受保内容与规定等，请阅读保单原文全文。

Please refer to the StudentPlan policy for full details of benefits, eligibility, exclusions and conditions.

You chose a school, applied and have been accepted. 

Now, you're on your way to realizing your educational goals.  You want to concentrate on your studies and take advantage of the best education possible. 

Whether you're out-of-province or out of Canada, GMS can help you do just that; by offering you peace of mind knowing you're covered in the event of a medical emergency.

StudentPlan provides emergency medical coverage up to $2,000,000 with 17 comprehensive benefits including the cost of ambulance service, hospital rooms, treatment by a doctor, diagnostic tests and in-hospital drugs.

Add our 24-Hour Travel Assistance option which provides assistance in coordinating your care and treatment plan, by working with medical staff to ensure you receive the proper care and are back to the books as soon as possible.protects your health and financial interests when you choose to study abroad.

When you travel outside your province of residence, your provincial health care plan offers limited coverage for emergency medical care. StudentPlan provides many important medical benefits that your provincial health plan lacks.

StudentPlan for Student-Athletes

If you are attending a post-secondary institution and participating in sports sponsored or organized by your school, GMS has customized a plan to suit your unique needs.  In the event of a medical emergency, your school insurance plan may not cover a sports injury, or may only cover a portion of your medical costs. GMS can help protect you with StudentPlan with Sports Participation coverage. 

With this coverage, students playing competitive sports organized or sanctioned by their school are covered for sports -related accidents and injuries.

And there is more . . .

  • Low Premiums. $2,000,000 in medical coverage you need, at the lowest possible rates.
  • Choose the length of coverage. Coverage is available for as little as 4 months and as long as 12 months.
  • Travel. You are covered for accidents and emergencies if you are vacationing outside of your home province during the time you have StudentPlan insurance.
  • Tax Advantages. Your StudentPlan premiums qualify as medical expenses under The Canadian Federal Income Tax Act.
  • Direct Billing. Avoid out-of-pocket expenses as many health care providers will bill GMS directly.
  • Less Worry.  Your family does not have to worry about the high cost of health care if you are involved in a medical emergency.

StudentPlan Benefits
Benefit Detail
Hospitalization Hospital room and board charges, up to semi-private, and charges for intensive and coronary care.
Medical Services Treatment by physician or surgeon.
Diagnostic Services X-rays and other diagnostic tests.
Out-patient Treatment Out-patient emergency room charges.
Prescription Drugs Drugs and medication prescribed in an emergency situation up to $1,000
Road Ambulance Use of a licensed road ambulance in an emergency situation
Air Ambulance Charges for the use an air ambulance or regularly scheduled airline to transport you back to your province of residence.
Special Attendant Reimbursement of the cost of one, return-trip airfare for a medical attendant to accompany you back to your province of residence.
Return of
Family Member 		Reimbursement of the cost of one return trip airfare for a family member to accompany you back to your province of residence.
Paramedical Services Charges for the use of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist..
Accidental Dental

Repair or replacement of natural teeth or the relief of dental pain.

Return of Remains Preparation and transportation to the country of origin, or the cost of cremation or burial at the place of death.
Family to Bedside Reimbursement for the cost of one airfare for a family member to accompany you at your bedside.
Family Transportation Charges for the cost of one airfare and $300 for room and board for a family member to identify the deceased.
Coverage Continuation If hospitalized and your plan expires, your coverage continues until seventy-two (72) hours after discharge from hospital.
Out of Pocket Expenses Accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date.
24-Hour Travel Assistance Services Wherever you are, our travel assistance firm will verify your coverage and make hospital and emergency arrangements for you.
Sports Participation
(extra coverage for Student Athletes)

Choose this for students playing competitive sports - it includes coverage for medical expenses that are as a result of participation in their sport.

GMS will pay reasonable and customary charges in excess of coverage from other insurance plans for eligible expenses that result from an accidental injury while playing a sport on a scholarship or waiver of entrance fees.
* This is a summary of benefits.
Please refer to policy document for complete details.