Ch11 |10Q| Travel Health Insurance

Emergency health services are best defined as:

• Given in connection with an acute, expected condition, illness, disease, or injury.

• Regulated by the Registered Insurance Brokers of Ontario.

• Given in connection with an acute, unexpected condition, illness, disease, or injury requiring immediate treatment.

• Paid for by the Ontario Health Insurance Plan (OHIP) when travelling outside of Canada.

The town or city from where the applicant leaves for their vacation is known as:

• The point of departure.

• The point of flight.

• The port of departure.

• The delayed departure.

Which of the following is a non-medical risk faced by travellers?

• Medical emergency of travel companion resulting in early or late return from a trip.

• Medical emergency of the insured.

• Health services rendered at a hospital due to a travel emergency.

• X-rays or other imaging services required following an injury while travelling.

Which of the following statements accurately describes travel health insurance (THI)?

• THI covers expected medical and related costs due to a medical emergency occurring while travelling outside of Canada.

• THI is an insurance policy that pays for emergency surgery if travelling within Ontario.

• THI covers unexpected medical and related costs due to a medical emergency occurring while travelling outside of Canada.

• The purpose of THI is to cover costs that OHIP will not pay for.

Under the Canada Health Act, OHIP is not obligated to pay for:

• Emergency medical care when an Ontario resident travels outside of Canada.

• Emergency medical care at an Ontario hospital.

• Emergency surgery if travelling within Ontario.

• Any of the above costs.

Unless an exception has been granted, Ontario residents carrying an OHIP card are not insured for emergency health services if they:

• Visit another Canadian province or territory.

• Make Ontario their primary home and meet the Ontario residency requirement.

• Meet the Ontario residency requirement to maintain their coverage.

• Live or vacation outside Ontario for more than 212 days.

OHIP coverage is cancelled if the Ontario resident is:

• Out of Ontario for more than 112 days.

• Out of Ontario for more than 212 days.

• In the province for at least 153 days of the first 183 days immediately after the person began living in Ontario.

• Out of Ontario for more than 53 days.

As of January 1, 2020, OHIP will not pay for emergency health services for travellers while outside of Canada. There are two exceptions to this rule that OHIP may pay for, if approved. Which are they?

• Emergency dental care and kidney dialysis for travellers.

• Emergency local ambulance and health care at the travel destination.

• Kidney dialysis for travellers and pre-approved doctor-recommended health care.

• Emergency health care for children and seniors who are travelling.

George is an Ontario resident requiring kidney dialysis three times weekly. Otherwise, his general health condition is good and has been stable for two years. He travels to Alberta to visit his sister, but experiences a serious heart attack while in Alberta and must be flown home via a private medical airplane and accompanied by a doctor. Which of the following will pay for the cost of this flight?

• OHIP, subject to a coverage limit.

• A THI policy, if he purchased one before leaving home.

• OHIP, because he is a dialysis patient.

• Alberta Health Care Insurance Plan.

Which of the following criteria is not needed to meet the Ontario residency requirement to maintain OHIP coverage?

• The resident must make Ontario their primary home.

• The resident must be physically in Ontario for 153 days in any 12-month period.

• The resident must be born in Ontario.

• The resident must be physically in Ontario for at least 153 days of the first 183 days immediately after they began living in the province.