MEDOC® TRAVEL INSURANCE PLAN - Johnson Inc.

All co-ordination with employee related plans follows Canadian Life and
Health Insurance Association Inc. guidelines.
Unless otherwise indicated on your confirmation of coverage, if your
current or former employer provides you with an extended health insurance
plan with a lifetime maximum coverage of:
• $50,000 or less, this insurance will not co-ordinate payment with such
coverage; or
• more than $50,000, this insurance will co-ordinate payment with such
coverage only in excess of $50,000.
6. Right to Recover Payments:
If any benefit paid to you or on your behalf is in excess of the amount
allowed under the provisions of this insurance, or if payment is made due to
a clerical or administrative error, the Company and/or the MEDOC Claims
Assistance Centre reserve the right to recover the amount of such payment
from any insured person, institution, insurer or organization to whom
payment was made.
7. Subrogation from a Third Party:
If an insured person suffers a loss covered under this policy, the Company
and/or the MEDOC Claims Assistance Centre has the right to proceed in the
name of any insured person against third parties who may be responsible for
giving rise to a claim. You will execute and deliver such documents, and
fully co-operate with the Company and/or the MEDOC Claims Assistance
Centre, so as to allow the Company and/or the MEDOC Claims Assistance
Centre to fully assert its rights of subrogation. You will not do anything after
the loss to prejudice such rights.
Additionally, if No Fault benefits or other collateral sources of payment of
expenses are available to the insured person, regardless of fault, the Insurer
is granted the right to make a demand for, and recover those benefits. If the
insured person institutes a demand or action for a covered loss he shall
immediately notify the insurer so that it may safeguard its rights.
8. Authorization to obtain all pertinent records or information:
As a condition precedent to the payment of benefits, the Company and/or
the MEDOC Claims Assistance Centre shall have the authority to obtain all
pertinent records or information from any physician, dentist, dental surgeon,
practitioner, hospital, clinic, insurer, individual or institution to assess the
validity of a claim submitted by or on behalf of any insured person.
In the event of your death, the Company and/or the MEDOC Claims
Assistance Centre may request an examination of your body, for
identification purposes, subject to any law of the applicable jurisdiction
relating to such examinations.
Effective – Sept. 1/10 29 GROUP A