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Edge Fracture


Did you know that fractures make up almost 50% of all our injury claims?
The EDGE Fracture Accident Benefit is a fabulous way to ensure you and your family are protected from a loss associated with an accident that results in a fracture. Unlike disability coverage, you are not required to be unable to work in order to claim for your fracture benefit and no proof of income is required.

A TAX FREE lump sum payment!

Coverage is applicable to any accident, anywhere in the world, 24 hours a day.

Your benefit is paid in addition to any other coverage you may have.

Issue ages 18-64 and coverage to age 70

Single, couple or family coverage available.

3 Plans to choose from


SINGLE COUPLE OR FAMILY COVERAGE:

If you select Couple coverage both you and your spouse are covered for 100% of the listed Fracture Benefit amount. If you select Family coverage both you and your spouse are covered for 100% and each Dependent Child is covered for 25% of the listed Fracture Benefit amount.

NOTE:
  • the first eligible claim will be paid in the amounts listed above. Any subsequent fracture of the same bone in the same place, will be reduced by 50%.
  • No more than one (the largest) Fracture benefit shall be paid with respect to all injuries resulting from the same Accident.
  • Benefit Amounts for an Insured Spouse and Insured Dependent Children are made payable to the Insured Applicant.
KEY DEFINITIONS
An Accident means a sudden, unforeseen, fortuitous event.
A "Dependent Child or Dependent Children" are the Insured Applicant's eligible unmarried natural, legitimate, illegitimate, adopted, step children or common law child who is principally dependent on the Insured Applicant or the Insured Applicant's Spouse for financial support, and who are: (a) under 23 years of age, unmarried and dependent upon the Insured Applicant for maintenance and support and who is not engaged in gainful employment more than 25 hours per week at the time of Loss; or
(b) under 26 years of age and unmarried and in attendance at an institution of Higher Learning and dependent upon the Insured Applicant for maintenance and support and who is not engaged in gainful employment more than 25 hours per week at the time of Loss; or (c) by reason of mental of physical infirmity, incapable of self-sustaining employment and who is considered a Dependent Child of the Insured Applicant within the terms of the Income Tax (Canada).
A "Fracture" means an unequivocal radiological evidence of a break or rupture involving the complete cross-section of the bone. If equivocal, the diagnosis of fracture must be confirmed by the treating Physician.
An "Insured Applicant" is the person who has completed the application, submitted and been accepted by the EDGE and whose premiums are paid up to date.
An "Insured Person" means the Insured Applicant, Insured Spouse or Insured Dependent Children.
A "Spouse" is defined as a person of the same or opposite sex who: (a) is legally married to the Insured Applicant and cohabitates with the Insured Applicant; or (b) cohabitates with the Insured Applicant and has been publicly represented as their domestic partner for a period of at least one year in the community in which they reside and continues to be represented as such.

EXCLUSIONS
This is a brief overview of the Benefits, providing some key definitions, exclusions and limitations only. A complete policy booklet will be issued once coverage is purchased, and we suggest you review for details on all policy provisions when received.
 


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