Schedule of losses

Here is a summary of the amounts paid and eligible expenses under each of the Accirance coverage options. To see the complete list, refer to the Distribution Guide or your Accirance policy.

• Coverage in case of Death, Dismemberment, Fracture or Loss of Use
• Hospital and Paramedical coverage
• Dental Care coverage
• Transportation and Accommodation coverage
• Coverage for Educational Costs
• Monthly Benefit Payable During School Holidays

Coverage in Case of Death, Dismemberment, Fracture or Loss of Use

Dismemberment or loss of use of	Regular Accirance	Superior Accirance
Two of the following: hand, foot, arm, leg or sight in one eye	$87,500	$350,000
Hearing in both ears and speech	$87,500	$350,000
One hand, one foot, one arm or one leg	$45,000	$180,000
Hearing in both ears or speech	$45,000	$180,000
Sight in one eye or hearing in one ear	$12,500	$50,000
One finger or one toe (per finger or toe)	$1,250	$5,000

Death1	Regular Accirance	Superior Accirance
Accidental death, while using common carrier	$16,000	$64,000
Accidental death, due to other circumstances	$8,000	$32,000
Non-accidental death	$4,000	$16,000

Death2	Regular Accirance	Superior Accirance
Accidental death, while using common carrier	$25,000	$100,000
Accidental death, due to other circumstances	$16,000	$64,000

Fracture	Regular Accirance	Superior Accirance
Skull (frontal, sphenoid, ethmoid, occipital and parietal and temporal bones), spine(except the coccyx), pelvis, femur	$375	$1,500
Rib, sternum, coccyx, larynx, trachea, shoulder blade, humerus, patella, tibia or fibula	$75	$300
Bone not included above	$40	$160

1. Insured under age 25 at the time of the accident.
2. Insured aged 25 or older at the time of the accident.

Hospital and Paramedical Coverage

The Insurer reimburses certain expenses incurred for an insured as a result of an accident such as a hospital room, nursing care, drugs and emergency transportation.

These reimbursements are subject to limits.

Dental Care Coverage

When an insured receives dental care following an accident, the Insurer reimburses the expenses incurred:

• to replace or treat a healthy and natural tooth (up to $450);
• to repair or replace a denture (up to $450).

Transportation and Accommodation Coverage

The Insurer reimburses the transportation and accommodation expenses incurred as a result of an accident for the following treatment:

The treatment must not be available within 50 km of the insured's home. The 50 km distance is based on a one-way trip only. The insurance also covers the reasonable expenses of an accompanying person.

The maximum reimbursement is $1,000 per accident.

Coverage for Educational Costs

The Insurer reimburses the expenses for private tutoring, school transportation, re-orientation and tuition fees engaged for an insured student who has become totally disabled due to an accident.

These reimbursements are subject to limits.

Monthly Benefit Payable During School Holidays

If, as a result of an accident that occurs during the school year, an insured student age 17 to 24 inclusive becomes totally disabled during the summer vacation period, the Insurer will pay him a monthly benefit. This benefit compensates for the loss of summer employment.

The maximum benefit is $850 a month, less any benefit payable by a government board or body.

Some restrictions apply to this product. Please see the Notices section.