ACCI 7 PLUS — Accident Coverage | EGE Insurance

EGE Insurance Canada

ACCI 7 PLUS
Accident Coverage

Build your own accident protection — every coverage is $7/month per unit. Stack what you need, see your premium instantly. No medical exam. Immediate approval.

5 coverages to combine

$7/mo per unit, flat rate

Max 15 units = $105/mo

Payment guaranteed in 7 days

Build your package

Choose your coverages

Each unit costs $7/month, same rate for everyone regardless of age or gender. Use + and − to set units per coverage. Hospital benefit always pays your stay days + 7 bonus convalescence days. Expand each card to see real claim examples and calculations.

Client Information Flyer — ACCI 7 PLUS iA Financial Group · Accident Insurance · F13-1100A

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Disability in case of accident

Non-integrated monthly benefit paid from the date of your first medical consultation. Triggered by an accident causing hospitalization, fracture, dismemberment, major burn, or major laceration. No waiting period. Works whether employed or not.

$700/mo per unit · 1 or 2 units · max $1,400/mo · up to 7 months per accident

Triggers

Hospitalization, fracture, dismemberment, major burn or major laceration

Max benefit period

7 months per accident

No lifetime maximum — resets per accident

Waiting period

None — paid from day 1

Age reduction

50% benefit from age 70

Eligible ages 18–74, coverage to 80

🏗️

Construction worker — hip fracture

Falls from scaffolding, fractures hip, off work for 6 months.

Up to $8,400 paid (2 units × $700 × 6 mo)

🚗

Car accident — hospitalized

Collision causes internal injuries requiring surgery, 3 months off work.

Up to $4,200 paid (2 units × $700 × 3 mo)

❄️

Slip on ice — wrist fracture

Severe wrist fracture requiring surgery, unable to work for the full 7-month maximum.

Up to $9,800 max (2 units × $700 × 7 mo)

🏠

Unemployed — unable to do daily tasks

Even without a job, if you can't cook, shop, or manage daily activities, you qualify for the full benefit.

Up to $9,800 max (2 units × $700 × 7 mo)

⚠️ Exclusions include: self-inflicted injury, war, criminal acts, driving impaired, racing, sports for compensation, cosmetic surgery, pregnancy/childbirth, illness. Disability must begin within 90 days of accident or it is deemed illness. Recurrent disabilities within 7 months of the same accident count as one period. Claims: notify insurer within 30 days of loss, submit full evidence within 90 days, absolute deadline 365 days.

AD&D — Accidental death, dismemberment or loss of use

Lump-sum paid to you or your beneficiary if an accident causes death, loss of a limb, sight, hearing, or speech. Loss must occur within 365 days of the accident.

$70,000 per unit · 1–5 units · max $350,000

Loss of life / both eyes / both hands or feet

100% of insured amount

e.g. 3 units = $210,000

Loss of one arm or one leg

75% of insured amount

e.g. 3 units = $157,500

Loss of one hand/foot/sight in one eye, OR hearing alone, OR speech alone

50% of insured amount

e.g. 3 units = $105,000

Loss of one finger or toe

5% of insured amount

e.g. 3 units = $10,500

💀

Fatal car collision

Accidental death. Full insured amount paid as lump sum to named beneficiary.

Up to $350,000 (5 units × $70,000 × 100%)

🦾

Industrial accident — arm amputation

Complete amputation of one arm at elbow or above. Loss of one arm = 75% of insured amount.

Up to $262,500 (5 units × $70,000 × 75%)

👁️

Chemical burn — loss of sight in one eye

Total and irrecoverable loss of sight in one eye = 50% of insured amount.

Up to $175,000 (5 units × $70,000 × 50%)

🦻

Explosion — loss of hearing (both ears)

Hearing alone = 50%. Hearing AND speech together = 100%. Hearing only shown here.

Up to $175,000 hearing only (5 × $70,000 × 50%)

⚠️ Multiple losses from the same accident = only the highest benefit is paid. Cannot be claimed for the same injury as accidental fracture coverage. Benefits reduced to 50% from age 70. Coverage ends at age 80.

Accidental fracture

Lump-sum benefit based on which bone was fractured. Must be confirmed by X-ray and radiologist's report within 30 days of the accident.

Up to $7,000 per unit · 1 or 2 units · max $14,000 — benefit varies by bone

Fractured bone	% of insured amount	1 unit pays	2 units pay
Skull, spine, pelvis, femur, hip	100%	$7,000	$14,000
Sternum, larynx, trachea, scapula, radius, humerus, ulna, patella, tibia, fibula, coccyx	25%	$1,750	$3,500
Any other bone	10%	$700	$1,400

🦴

Hip fracture — fall at home

Hip = 100% of insured amount. Highest payout tier.

Up to $14,000 (2 units × $7,000 × 100%)

🚴

Cycling accident — tibia fracture

Tibia (shin bone) = 25% of insured amount.

Up to $3,500 (2 units × $7,000 × 25%)

🏗️

Radius (wrist) — construction fall

Radius = 25% of insured amount.

Up to $3,500 (2 units × $7,000 × 25%)

⛷️

Femur fracture — ski accident

Femur (thigh bone) = 100% of insured amount. Highest tier.

Up to $14,000 (2 units × $7,000 × 100%)

⚠️ Multiple fractures in one accident — only the highest-value fracture is paid. Cannot combine with AD&D for the same injury. Avulsion and chip fractures are excluded. Must be diagnosed within 30 days. Benefits reduced to 50% from age 70.

Extended medical care after an accident

Reimburses medically necessary expenses incurred in Canada within 12 months of the accident, at 100% with no deductible — on top of what your provincial plan covers.

Flat $7/mo — lifetime maximum $100,000 · care must be in Canada

Hospitalization (semi-private)

Max $10,000 per accident

Private nursing care at home

Max $200/day · $18,000 per accident

Must be physician-recommended

Physio, chiro, osteo, psych, podiatry, OT, SLP

$40/visit · max $1,000/professional · $5,000/accident

No physician referral needed

Prescription drugs

Max 60-day supply · $5,000 per accident

Hospital treatment not covered by OHIP

Max $10,000 per accident

Dental repair (accidental damage)

Max $10,000 per accident · within 1 year

🏋️

Physiotherapy after back injury

20 physio sessions at $120 each = $2,400 billed. Plan covers $40/visit up to $1,000.

Up to $1,000/professional · $5,000/accident total

🦽

Wheelchair & crutch rental

Equipment rental covered at 100% on physician recommendation — ambulance too.

100% covered, no deductible · up to $100,000 lifetime

🩺

Private nurse after surgery

10 days of in-home nursing care at $180/day on physician recommendation.

Up to $200/day · max $18,000 per accident

🦷

Accidental dental damage

Sports impact breaks two healthy teeth. Dental repair costs $4,500 — covered within 1 year of accident.

Up to $10,000 per accident for dental repair

⚠️ First expenses must be incurred within 30 days of the accident. All care must happen in Canada within 12 months of the accident. Coordinates with other group plans — pays the remainder after other coverage. Lifetime max $100,000.

Hospital benefit in case of accident

Daily cash for each day in a licensed hospital (minimum 18 consecutive hours, including ER observation). Every stay automatically adds 7 bonus convalescence days — day surgery also qualifies. Note: biopsies and mole removals do not count as day surgery.

$70/day per unit · 1–5 units · max $350/day · + 7 bonus convalescence days per stay · lifetime max 700 days

How it works

Hospital days + 7 bonus convalescence days per stay

1 day in hospital = 8 paid days total

Day surgery

Counts as 1 hospital day

= 8 paid days (1 day + 7 convalescence)

Hospitalization must begin

Within 30 days of accident

Otherwise deemed illness, not covered here

Lifetime maximum

700 paid days total

Includes convalescence days. Canada & USA.

Stay length	Paid days (stay+7)	1 unit ($70/day)	2 units ($140/day)	3 units ($210/day)	5 units ($350/day)
Day surgery	1+7 = 8 days	$560	$1,120	$1,680	$2,800
1 day	1+7 = 8 days	$560	$1,120	$1,680	$2,800
1 week (7 days)	7+7 = 14 days	$980	$1,960	$2,940	$4,900
2 weeks (14 days)	14+7 = 21 days	$1,470	$2,940	$4,410	$7,350
1 month (30 days)	30+7 = 37 days	$2,590	$5,180	$7,770	$12,950

🏥

Average Canadian hospital stay — 7 days

7 days in hospital + 7 convalescence = 14 paid days.

Up to $4,900 (14 days × $350/day, 5 units)

🔪

Day surgery — knee repair

In and out same day still qualifies. Counts as 1 hospital day + 7 convalescence = 8 paid days.

Up to $2,800 (8 days × $350/day, 5 units)

🧠

Head injury — 3 days observation

3 days in hospital + 7 convalescence = 10 paid days.

Up to $3,500 (10 days × $350/day, 5 units)

🔥

Burn treatment — 2 weeks

14 days in hospital + 7 convalescence = 21 paid days.

Up to $7,350 (21 days × $350/day, 5 units)

⚠️ Must be in a licensed hospital (not clinics, nursing homes, rehab centres, or long-term care) for at least 18 consecutive hours — ER observation counts. Biopsies and mole removals do not qualify as day surgery. Convalescence is paid even if the insured passes away in hospital. Hospitalization must begin within 30 days of accident. Lifetime max 700 days (includes convalescence days). Claims: notify within 30 days, full evidence within 90 days, absolute deadline 365 days.

Your premium slip

ACCI 7 PLUS · iA Financial Group · monthly

No coverages added yet

Total premium $0/mo

0 of 15 units selected

No policy fee. Same rate regardless of age or gender. Benefits reduced to 50% from age 70. Renewable to age 80. 30-day grace period on all premiums. Payment guaranteed within 7 business days (accident claims). Notify insurer within 30 days of loss. See contract for full exclusions.

How it works

The basics, in plain language

Simple — no medical exam

No health questions, no medical exam. Immediate approval. Available to everyone age 0–74 living in Canada for at least 12 months and covered by a provincial health plan. Renews to age 80.

Affordable — same price for all

Every accident coverage unit costs $7/month regardless of your age, gender, or occupation. No policy fee. No hidden costs. Just choose units and multiply by $7. Max 15 units = $105/month.

Fast payment guaranteed

iA Financial Group guarantees payment within 7 business days of receiving a complete accident claim. If they miss that deadline, you receive $30 per late business day, up to 7 days.

ACCI 7 PLUSAccident Coverage