Common use of MAJOR MEDICAL BENEFIT Clause in Contracts

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the service** **Psychologist  Yes  No **$1,000 per calendar year Chiropractor  Yes  No $200 per calendar year (Ontario residents pay first $450) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes  No covered Medical Supplies  Yes  No covered Ambulance Services  Yes  No covered Hearing Aids  Yes  No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes  No $60 in provinces where eye exams are not covered d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the service** **Psychologist  🗹 Yes  □ No **$1,000 per calendar year Chiropractor  🗹 Yes  □ No $200 per calendar year (Ontario residents pay first $450) **Naturopath  🗹 Yes  □ No **$200 per calendar year **Podiatrist or Chiropodist  🗹 Yes  □ No **$200 per calendar year **Nutritionist/Dietician  🗹 Yes  □ No **$400 per calendar year **Speech Therapist  🗹 Yes  □ No **$200 per calendar year **Physiotherapy  🗹 Yes  □ No **$200 per calendar year **Osteopaths  🗹 Yes  □ No **$200 per calendar year **Massage Therapy  🗹 Yes  □ No **$200 per calendar year **Private Duty Nursing  🗹 Yes  □ No $10,000 per calendar year Medical Equipment  🗹 Yes  □ No $5,000 lifetime Medical Prosthesis  🗹 Yes  □ No covered Medical Supplies  🗹 Yes  □ No covered Ambulance Services  🗹 Yes  □ No covered Hearing Aids  🗹 Yes  □ No $500 every 5 years **Orthotics  🗹 Yes  □ No $300 per year Orthopedic shoes Custom made  🗹 Yes  □ No Combined with Orthotics maximum Orthopedic Modifications  🗹 Yes  □ No Combined with Orthotics maximum Eye Exams  🗹 Yes  □ No $60 in provinces where eye exams are not covered d) Survivor Benefit  🗹 Yes  □ No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited

MAJOR MEDICAL BENEFIT. □ Yes a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents)No b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the service** **Psychologist  □ Yes  No **$1,000 per calendar year Chiropractor  □ Yes  No $200 per calendar year (Ontario residents pay first $450) **Naturopath  □ Yes  No **$200 per calendar year **Podiatrist or Chiropodist  □ Yes  No **$200 per calendar year **Nutritionist/Dietician  □ Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Speech Therapist □ Yes  No **$200 per calendar year **Osteopaths  Physiotherapy □ Yes  No **$200 per calendar year **Massage Therapy  Osteopaths □ Yes  No **$200 per calendar year **Massage Therapy □ Yes $200 per calendar year Private Duty Nursing  □ Yes  No $10,000 per calendar year Medical Equipment  □ Yes  No $5,000 lifetime Covered Medical Prosthesis  □ Yes  No covered Covered Medical Supplies  □ Yes  No covered Covered Ambulance Services  □ Yes  No covered Covered Hearing Aids  □ Yes  No $500 every 5 years **Orthotics  □ Yes  No $300 per year Orthopedic shoes Shoes Custom made  Made □ Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  □ Yes  No $60 35 in provinces where eye exams are not covered dc) Survivor Benefit  Benefits □ Yes  No 2 years ed) Benefit Maximum Age (Terminationtermination) Age 99Retirement fe) Dependent Dependant Age 21 gf) Student Age 26 hg) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited$100,000

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  ☑ Yes  □ No **$1,000 per calendar year Chiropractor  ☑ Yes  □ No $200 300 per calendar year year, effective January 1, 2019. (Ontario residents pay first $450200) **Naturopath  ☑ Yes  □ No **$200 per calendar year **Podiatrist or Chiropodist  ☑ Yes  □ No **$200 per calendar year **Nutritionist/Dietician  ☑ Yes  □ No **$400 per calendar year **Speech Therapist  ☑ Yes  □ No **$200 per calendar year **Physiotherapy  ☑ Yes  □ No **$200 per calendar year **Osteopaths  ☑ Yes  □ No **$200 per calendar year **Massage Therapy  ☑ Yes  □ No **$200 per calendar year **Private Duty Nursing  ☑ Yes  □ No $10,000 per calendar year Medical Equipment  ☑ Yes  □ No $5,000 lifetime Medical Prosthesis  ☑ Yes  □ No covered Medical Supplies  ☑ Yes  □ No covered Ambulance Services  ☑ Yes  □ No covered Hearing Aids  ☑ Yes  □ No $500 every 5 years **Orthotics  ☑ Yes  □ No $300 per year Orthopedic shoes Custom made  ☑ Yes  □ No Combined with Orthotics maximum Orthopedic Modifications  ☑ Yes  □ No Combined with Orthotics maximum Eye Exams  ☑ Yes  □ No $60 90 in provinces where eye exams are not covered d) Survivor Benefit  ☑ Yes  □ No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 ga) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  ▣ Yes  □ No **$1,000 per calendar year Chiropractor  ▣ Yes  □ No $200 per calendar year (Ontario residents pay first $450) **Naturopath  ▣ Yes  □ No **$200 per calendar year **Podiatrist or Chiropodist  ▣ Yes  □ No **$200 per calendar year **Nutritionist/Dietician  ▣ Yes  □ No **$400 per calendar year **Speech Therapist  ▣ Yes  □ No **$200 per calendar year **Physiotherapy  ▣ Yes  □ No **$200 per calendar year **Osteopaths  ▣ Yes  □ No **$200 per calendar year **Massage Therapy  ▣ Yes  □ No **$200 per calendar year **Private Duty Nursing  ▣ Yes  □ No $10,000 per calendar year Medical Equipment  ▣ Yes  □ No $5,000 lifetime Medical Prosthesis  ▣ Yes  □ No covered Medical Supplies  ▣ Yes  □ No covered Ambulance Services  ▣ Yes  □ No covered Hearing Aids  ▣ Yes  □ No $500 every 5 3 years **Orthotics  ▣ Yes  □ No $300 per year Orthopedic shoes Custom made  ▣ Yes  □ No Combined with Custom made Orthotics maximum Orthopedic Modifications  ▣ Yes  □ No Combined with Orthotics maximum Eye Exams  ▣ Yes  □ No $60 35 in provinces where eye exams are not covered d) Survivor Benefit  ▣ Yes  □ No 2 years e) Benefit Maximum Age Age 99 (Termination) Age 99) f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum $100,000 (includes Drugs, Hospital and Vision) unlimited)

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  Yes  No **$1,000 per calendar year Chiropractor  Yes  No $200 per calendar year (Ontario residents pay first $450) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 200 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 300 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 300 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes  No covered Medical Supplies  Yes  No covered Ambulance Services  Yes  No covered Hearing Aids  Yes  No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes  No $60 80 in provinces where eye exams are not covered d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimitedUnlimited

MAJOR MEDICAL BENEFIT. Applicable Ontario residents) a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  Yes  No **$1,000 per calendar year Chiropractor  Yes  No $200 per calendar year (Ontario residents pay first $450) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes  No covered Medical Supplies  Yes  No covered  Yes Ambulance Services  Yes  No covered Hearing Aids  Yes  No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes  No $60 35 in provinces where eye exams are not covered d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited$100,000

MAJOR MEDICAL BENEFIT. Applicable Ontario residents) a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  Yes  No **$1,000 per calendar year Chiropractor  Yes  No $200 per calendar year (Ontario residents pay first $450) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes   Yes  Yes No covered Medical Supplies  Yes  No covered Ambulance Services  Yes  No covered Hearing Aids  Yes   Yes No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes   Yes No $60 35 in provinces where eye exams are not covered d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited$100,000

MAJOR MEDICAL BENEFIT. Yes □ No a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents)a b) Co-payment 90100% c) Schedule of Benefits **Requires Physician Referral pre- dating the servicePsychologist Yes □ No $15/visit** **Psychologist  Chiropractor Yes  No **$1,000 per calendar year Chiropractor  Yes  □ No $200 per calendar year (Ontario residents pay first 15/visit Naturopath Yes □ No $450) **Naturopath  Yes  No **$200 per calendar year **15/visit Podiatrist or Chiropodist  Yes  □ No **$200 per calendar year **Nutritionist15/Dietician  Yes  No **$400 per calendar year **visit Speech Therapist  Yes  □ No **$200 per calendar year **Physiotherapy  15/visit Pysiotherapy Yes  □ No **$200 per calendar year **15/visit Osteopaths  Yes  □ No **$200 per calendar year **15/visit Massage Therapy  Yes  □ No **$200 per calendar year **15/visit Private Duty Nursing  Yes  □ No $10,000 5,000 per calendar year Medical Equipment  Yes  □ No $5,000 lifetime covered Medical Prosthesis  Yes  □ No covered Medical Supplies  Yes  □ No covered Ambulance Services  Yes  □ No covered Hearing Aids  Yes  □ No $500 every 5 years **Unlimited Orthotics  Yes  □ No $300 per year Unlimited Orthopedic shoes Custom made  Yes  □ No Combined with Orthotics maximum Orthopedic Modifications  Yes  □ No Combined with Orthotics maximum Eye Exams  Yes  □ No $60 in provinces where eye exams are not covered80 every 24 months d) Survivor Benefit  Yes  □ No 2 years e) Benefit Maximum Age (Termination) Age 99Retirement f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimitedUnlimited

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  Yes  No **$1,000 per calendar year Chiropractor  Yes  No $200 per calendar year (Ontario residents pay first $450200) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes  No covered Medical Supplies  Yes  No covered Ambulance Services  Yes  No covered Hearing Aids  Yes  No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes  No $60 50 in provinces where eye exams are not covered d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** **Psychologist  ▣ Yes  □No **$1,000 per calendar year Chiropractor  ▣ Yes  □No $200 per calendar year (Ontario residents pay first $450) **Naturopath  ▣ Yes  □No **$200 per calendar year **Podiatrist or Chiropodist  ▣ Yes  □No **$200 per calendar year **Nutritionist/Dietician  ▣ Yes  □No **$400 per calendar year **Speech Therapist  ▣ Yes  □No **$200 per calendar year **Physiotherapy  ▣ Yes  □No **$200 per calendar year **Osteopaths  ▣ Yes  □No **$200 per calendar year **Massage Therapy  ▣ Yes  □No **$200 per calendar year **Private Duty Nursing  ▣ Yes  □No $10,000 per calendar year Medical Equipment  ▣ Yes  □No $5,000 lifetime Medical Prosthesis  ▣ Yes  □No covered Medical Supplies  ▣ Yes  □No covered Ambulance Services  ▣ Yes  □No covered Hearing Aids  ▣ Yes  □No $500 every 5 years **Orthotics  ▣ Yes  □No $300 per year Orthopedic shoes Custom made  ▣ Yes  □No Combined with Orthotics maximum Orthopedic Modifications  ▣ Yes  □No Combined with Orthotics maximum Eye Exams  ▣ Yes  □No $60 35 in provinces where eye exams are not covered d) Survivor Benefit  ▣ Yes  □No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes $100,000 Drugs, Hospital and Vision) unlimited)

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable Nn/A a (except for chiropractic services for Ontario residentsservices) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the service** **Psychologist  Yes  No **$1,000 1000 per calendar year Chiropractor  Yes  No $200 300 per calendar year (Ontario residents after you pay the first $450450.00) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes  No covered Medical Supplies  Yes  No covered Ambulance Services  Yes  No covered Hearing Aids  Yes  No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes  No $60 50 in provinces where eye exams are not covered d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited$100,000

MAJOR MEDICAL BENEFIT. a) Annual Deductible Applicable N/A (except for chiropractic services for Ontario residents) b) Co-payment 90% c) Schedule of Benefits **Requires Physician Referral pre- dating the serviceReferral** *** Psychologist  Yes  No **$1,000 per calendar year Chiropractor  Yes  No $200 per calendar year (Ontario residents pay first $450) **Naturopath  Yes  No **$200 per calendar year **Podiatrist or Chiropodist  Yes  No **$200 per calendar year **Nutritionist/Dietician  Yes  No **$400 per calendar year **Speech Therapist  Yes  No **$200 per calendar year **Physiotherapy  Yes  No **$200 per calendar year **Osteopaths  Yes  No **$200 per calendar year **Massage Therapy  Yes  No **$200 per calendar year **Private Duty Nursing  Yes  No $10,000 per calendar year Medical Equipment  Yes  No $5,000 lifetime Medical Prosthesis  Yes  No covered Medical Supplies  Yes  No covered Ambulance Services  Yes  No covered Hearing Aids  Yes  No $500 every 5 years **Orthotics  Yes  No $300 per year Orthopedic shoes Custom made  Yes  No Combined with Orthotics maximum Orthopedic Modifications  Yes  No Combined with Orthotics maximum Eye Exams  Yes  No $60 in provinces where eye exams are not covered60.00 (1x every 24 months) d) Survivor Benefit  Yes  No 2 years e) Benefit Maximum Age (Termination) Age 99 f) Dependent Age 21 g) Student Age 26 h) Overall Lifetime Health Maximum (includes Drugs, Hospital and Vision) unlimited