HEALTHCARE IN CANADAIMPORTANT – Keep your Manitoba Health Card and your guard.me

You can seek medical attention and services anywhere in Canada.

Seeing a Doctor: An initial visit to a doctor for a minor problem is usually less than $100. A visit to a hospital can cost much more, and take up to 10 hours, so you should only go to the Emergency Room for serious emergencies.

ISO9001:2008 RegisteredPRODUCT CODE

HOW DO I MAKE A CLAIM?

On-Line Claim Submission

Mail-in Claim SubmissionIf you don’t have computer access you can mail your Claim Submission to:

guard.me Claims300 John Street, Suite 405Thornhill, Ontario L3T 5W4

HOW DO I TRACK THE PROGRESS OF MY CLAIM?Go to www.guard.me - My Account to create a profile. You can then see the progress of your claim. If your claim status is “Needs Information” please contact us.

HOW MANY DAYS WILL IT TAKE TO PROCESS MY CLAIM?Claims are usually processed in 7 business days. On your claim submission choose if you prefer a cheque or direct deposit to a Canadian bank account. For direct deposit, you will need to send a void

NOTE - mailed-in claims and cheque payments are often delayed due to Canada Post mail service.

In Manitoba the number to phone for EMERGENCIESsuch as FIRE, POLICE or AMBULANCE is

911 from any phone or cell phone.

It is important to use 911 for emergencies only.

Make a copy of your blank paper Claim Form from your guard.me InsurancePackage for future use or go to www.guard.me/brandonu - MY CLAIM to print a Claim

Form. Complete the Claim Form in full, including who is to be paid. Remember to sign the bottom of the form and attach all original receipts and proof of payment.

WHEN YOU ARRIVE IN MANITOBA

2. You will receive your guard.me Emergency Health Insurance Policy that you should read carefully to understand your emergency medical coverage.

3. You will receive your guard.me Policy ID Card and Claim Form – peel this card off and keep it with you at all times.

1. If you are eligible for Manitoba Health, you must apply for and obtain this coverage and ID card. (http://www.gov.mb.ca/ie/pdf/csm_gyc_brochure.pdf)

You should go to the Emergency Room at the hospitalyour MB Health card and guard.me card if you have: • broken bones, bad cut • excessive bleeding • been in an accident • a high fever • severe pain

If you visit a clinic or hospital, please show your Manitoba Health and guard.me ID cards.

You should go to a doctor’s office or clinic with your MB Health card and guard.me card if you have:

• sore throat, runny nose, mild fever, cough, cold or flu symptoms • minor rashes, skin irritations • minor stomach pains • sprains or strains

NOT SURE IF YOU SHOULD GO TO THE DOCTOR’S OFFICE / CLINIC OR HOSPITAL?

GUIDE TO HEALTHCARE IN MANITOBA

INTERNATIONAL STUDENTS

Go to www.guard.me/brandonu - CLINIC SEARCH to find local clinics that may offer to bill direct if you do not have Manitoba Health.

NOTE - You may be asked to pay at the time of your visit (cash, or some may accept debit/credit card) and submit a claim for eligibility; remember to keep all receipts and proofs of payment to attach to your claim. See back for “How do I make a claim?”

REMEMBER: Be prepared to pay at the time of your visit (cash, or some providers may accept debit/credit card).

If you visit a clinic or hospital, please show your Manitoba Health and guard.me ID cards.

NEVER DELAY IN OBTAINING EMERGENCY MEDICAL CARE

Claims can be submitted online at www.guard.me/brandonu MY CLAIM. You will be asked to print, sign and scan a Consent & Agreement

form and provide scanned copies of your original receipts.-

cheque. If your claim is not eligible you will receive a letter explaining this.

guard.me 24/7 Emergency Assistance LineToll Free in North America 1-888-756-8428Or call collect 1-905-731-8291

• for Manitoba Health you are not required to do anything once you have shown your MB Health Card.

• for guard.me emergency insurance follow the instructions below.ID Card with you at all times. They are your proof of healthcare coverage while you are in Canada.

• Up to $10,000 for eligible charges for Psychiatrist’s inpatient fees following an emergency; up to $1,000 for outpatient psychiatric or psychologist care• Up to $100 for one non-emergency eye exam • Up to $500 for eligible charges for Chiropractor, Acupuncturist, Naturopath, Chiropodist• Up to $1,000 for physiotherapy/speech therapy• Up to $150 for annual physician visit • Up to $4,000 for dental treatment as a result of an injury • Up to $600 for relief of dental pain & suffering • When pregnancy starts after coverage, up to $25,000 for all maternity expenses including pre-natal care and well-baby care; plus an additional $25,000 for serious complications

• Out of Canada coverage: − Full emergency coverage worldwide; coverage in the US up to 30 days − No coverage when travelling to Home Country unless part of school program• Medical air evacuation/return home if medically necessary• If you are hospitalized for more than 7 days, up to $5,000 for airfare for 2 family members to join you, and up to $1,500 for expenses

• Up to $15,000 towards the cost of repatriation of deceased to the home country or up to $5,000 for the cost of cremation or burial in the location where death occurs• 24-hour emergency assistance line

Questions about your guard.me Emergency Insurance policy? Visit www.guard.me/brandonu and click on TURBO video link – in 12 languages.

Printing supplied by guard.me International Insurance.

• Up to $100 for one non-emergency eye exam

• Other Practitioners’ Services − Up to $500 for eligible charges for Chiropractor, Acupuncturist, Naturopath, Chiropodist• Up to $1,000 for physiotherapy/speech therapy• Up to $4,000 for dental treatment as a result of an injury • Up to $600 for relief of dental pain and suffering

• Out of Canada coverage − Full emergency coverage worldwide; coverage in the US up to 30 days − No coverage when travelling to Home Country unless part of school program• Medical air evacuation/return home, if medically necessary• If you are hospitalized for more than 7 days, up to $5,000 for airfare for 2 family members to join you, and up to $1,500 for expenses• Up to $15,000 towards the cost of repatriation of deceased to the Home Country or up to $5,000 for the cost of cremation or burial in the location where death occurs• 24-hour emergency assistance line

IF YOU DON’T HAVE A VALID STUDY PERMIT

Brandon University Office of International Activities will enroll you in guard.me MORE INSURANCE COVERING EMERGENCY CARE: for full details visit www.guard.me/brandonu

• 100% of eligible charges for physician/surgeon services; charges for X-ray, lab tests & diagnostic tests when ordered by a physician• Semi-private hospital room; private hospital room where medically necessary• Private nursing up to $15,000• 100% of charges for crutches, canes, cast etc.• Ambulance fees when medically necessary• Taxi in-lieu of ambulance to a medical clinic or hospital up to $100• 100% of eligible charges for prescription drugs to a maximum 30-day supply; unlimited when hospitalized• Up to $50,000 for eligible charges for psychiatric hospitalization

IF YOU HAVE A VALID STUDY PERMITYou must enroll in Manitoba Health and Brandon University Office of International Activities will enroll you in guard.me MORE 'Top Up' insurance for things not covered by Manitoba Health.

MANITOBA HEALTH COVERS:

• Physicians’ services that are medically required for you or your dependants• Surgery / anaesthesia• X-ray and laboratory services in approved facilities when ordered by a physician• Hospital services − Accommodation and meals at the standard level − Necessary nursing services − Laboratory, x-ray and diagnostic procedures − Medications administered in a hospital − Use of the operating room, care room and anaesthetic facilities − Routine surgical supplies − Occupational, speech and physiotherapy − Dietetic counselling• Other Practitioners’ Services − Optometrists: Age less than 19 you may receive one complete routine eye exam every two years or if medically necessary by your physician or optometrist − Chiropractors: maximum of 12 visits per calendar year certain dental procedures when hospitalization is required.

guard.me MORE “TOP UP” INSURANCE COVERS:those things Manitoba Health does not, for full details visit www.guard.me/brandonu

• Semi-private hospital room; private nursing up to $15,000• 100% of charges for crutches, canes, cast etc.• Ambulance fees when medically necessary• Taxi in-lieu of ambulance to a medical clinic or hospital up to $100• 100% of eligible charges for prescription drugs to a maximum 30-day supply; unlimited when hospitalized• Up to $1,000 for outpatient psychiatric or psychologist care

Dental Surgeons:

for full details visit www.manitoba.ca/health/mhsip

• Immunization 100% of eligible charges up to $100

You must present your Manitoba Health card for these services.

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You are not eligible for Manitoba Health