Glossary
Beneficiary
Your Aon policy includes a lump sum payment if you die as the result of an accident. The beneficiary is the person who will receive this payment. If you don't name someone the money will be paid to your estate.
Child(ren)
All unmarried dependent children up to and including 21 years of age residing with you in Canada or in your country of study or up to 25 years if the child is a full time student attending a school in Canada or country of study; or if the child is mentally challenged or physically handicapped.
Claim Form
This is a paper that requires you to provide information about your sickness or injury. You send the completed form, along with your original receipts, to OneWorld Assist for repayment.
Dismemberment
This is the loss of, or loss of use of parts of your body as a result of an accidental injury. This includes your arms, legs and eyes.
Emergency
This is an unexpected sickness or injury that requires immediate medical treatment to relieve existing danger to life or health. An emergency no longer exists, when the medical evidence indicates that you are able to continue the trip or return to your home country.
End/expiry Date
Your insurance will end at midnight on the date you enter in this box on the online application form or 60 days after you are no longer enrolled in school, whichever is the earliest.
Family
Family means a student aged 59 years and under plus their legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and their unmarried dependent children 25 years of age and under and who are living with the student while in Canada.
Inpatient
Someone who is receiving treatment and/or medical services as a patient in a hospital.
Other Professional Medical Services
These are services given by medical professionals who specialize in a field of medicine, such as a physiotherapist, chiropractor, podiatrist, etc.
Outpatient
Someone who is receiving treatment and/or medical services as a patient but is not staying in the hospital.
Pre-Existing Conditions
This is a medical condition that you have before you purchase your insurance policy. For example, diabetes or asthma.
Prescription Drugs
This is the medicine (pain relievers, antibiotics, etc) that the doctor tells you to take to make you better.
Repatriation
If you are killed as a result of an emergency sickness or injury this policy will pay for preparation and return of your body to your home country.
Resident
International students, faculty or staff who hold a work permit or a study permit that is valid for six months or more are considered to be residents of British Columbia (BC) and must enroll in the BC Medical Services Plan.
Spouse
Spouse means the person you are legally married to, or a person you have been living with for a minimum period of one year and who is publicly presented as your spouse, regardless of sex.
Start/Effective Date
Insurance will be in effect on the effective (start) date as indicated on your application.
Three-month waiting period
When you arrive in British Columbia (BC) and you qualify to belong to the BC Medical Services Plan, you must wait the balance of the month that you arrive plus two months before you can purchase BC medical insurance. For example, if you arrive on November 4th, then your coverage with BC Medical would start in February.
X-Ray and Laboratory Tests
If you become sick or injured the doctor may need samples of your blood, urine, etc., or pictures of your skeleton to determine what is wrong.
