Definitions

  • Spouse is the person:
    • to whom you are legally married or
    • who lives with you and has been publicly presented as your spouse for at least one year before the accident and who is:
      • at least 18 years of age
      • competent to contract; and
      • not related by blood closer than would legally ban marriage

If more than one person meets this definition, the Insurance Company will only pay one benefit, which will be paid in equal shares to the persons meeting the definition (you must provide a written designation of your common-law spouse to the policyholder).

  • Dependent children are your unmarried natural born children, legally adopted children, step-children, common-law children for whom you have legal custody or any other children dependent upon you for support and maintenance in a parent-child relationship as defined under the Income Tax Act; who are:
    • one day old but under 21 years of age
    • under 25 years of age and attending an institution for higher learning on a full-time basis
    • any age if mentally or physically handicapped, provided they are incapable of self-sustaining employment and remain totally dependent upon you for support and maintenance
  • Injury is bodily injury caused by an accident occurring while coverage is in force, where such injury is the basis of claim and results directly and independently of all other causes in loss
  • Insured means you, your insured spouse or your insured dependent children
  • Principle sum is the amount of insurance you select and which is stated on your most recently signed enrollment card on file with the policyholder
  • Member of the Immediate family is a person at least 18 years of age who is the son, daughter, father, mother, brother, sister, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, sister-in-law (all of the previous include natural, adopted and step relationships), spouse, grandson, granddaughter, grandfather or grandmother of the insured
  • Physician is a doctor of medicine (other than the insured or a member of the immediate family) licensed to practice medicine by:
    • a recognized medical licensing organization in the locale where the treatment is rendered, provided he is a member in good standing of such licensing body, or
    • a governmental agency having jurisdiction over such licensing in the locale where the treatment is rendered
  • Residence is the primary dwelling of which the insured is an occupant and the premises on which it is situated
  • Institution for higher learning is any university, CEGEP, trade school or college, as defined where you lived prior to your death
  • Hospital is an institution licensed as a hospital, which:
    • is open at all times for the care and treatment of sick and injured persons, has a staff of one or more physicians available at all times and which continuously provides 24 hour nursing service by graduate registered nurses
    • provides organized facilities for diagnostics and surgery,
    • is an active treatment hospital and not primarily a clinic, rest home, nursing home, convalescent hospital or similar establishment
    • for the purpose of this definition, physicians and nurses do not exclude a member of the immediate family
  • Nurse is a graduate registered nurse (R.N.) or nurse who is licenses to practice nursing service by a governmental agency having jurisdiction over such licensing (the nurse can not be yourself nor a member of the immediate family)
  • Regular care and attendance means medical treatment to the extent necessary under existing standards of medical practice for the condition causing Hospital confinement
  • Accommodation is lodging in the vicinity of the Hospital where you are confined
  • Seat belt means the belts that form a restraint system and includes infant and child restraint systems when properly used with a seat belt
  • Vehicle is a passenger car, station wagon, van, jeep-type automobile or truck