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Your No-Cost Student Offer

This valuable package of insurance offers protection for your most important assets while you’re a student:

 

Coverage
CDSPI Insurance Plan
$100,000 Basic Life

In the event of loss of life, your beneficiary receives this financial benefit.*

$100,000 Accidental Death & Dismemberment (AD&D)

In the event of loss of life due to an accident your beneficiary receives this financial benefit.
Coverage is also included for accidental injuries.*

$1,000/month Disability

If you are unable to continue your studies due to disability, you will receive this monthly income.*

$15,000 TripleGuard™

Your dental hand instruments are insured for theft or damage from dropping an instrument.*

* Subject to terms and conditions of the policy. Life, Disability and AD&D Insurance are underwritten by The Manufacturers Life Insurance Company (Manulife). TripleGuard™ Insurance is underwritten by Aviva Insurance Company of Canada.

 

Download an application to learn more and apply:

Undergraduate Application (under 40)

With a simple application, students under age 40 qualify for the no-cost insurance offer.

 

Optional Graduate Upgrade Application (under 40)

You can be approved for increased coverage limits after graduation by completing a medical questionnaire.

 

Undergraduate Application (40-64)

If you’re a dental student ages 40-64 your application includes a medical questionnaire before you’re approved for undergraduate or optional graduate upgrade coverage.

 

Are you graduating this year?

Don’t forget your TripleGuard™ coverage when you become an associate.

No-cost office insurance for associates1 │ Reduced cost office insurance for practice owners2

 

Q&A¤

Q: Who is eligible to apply?

A: Any full-time dental student who applies while attending an accredited Canadian university who is a Canadian citizen or permanent resident.

 

Q: How does the undergraduate coverage work?

A: If you are under 40… Your coverage starts on the day your completed application is received by CDSPI and automatically increases on the day you graduate provided you are not on claim or satisfying a waiting period.

If you are 40 to 64… Complete the application. A health professional will make an appointment to collect blood, urine, blood pressure reading and other health information. Your coverage starts on the day your completed application is approved.

 

Q: How does the optional graduate upgrade coverage work?

A: If you are under 40… Complete the application and get a medical. A health professional will make an appointment to collect blood, urine, blood pressure reading and other health information. If approved, your increased coverage limits start the day you graduate provided you are not on claim or satisfying a waiting period.

If you are 40 to 64… Get an updated medical in the calendar year of your graduation. A health professional will make an appointment to collect blood, urine, blood pressure reading and other health information. Your coverage starts on the day you graduate or when your completed application is approved.

 

Q: How much will the coverage cost?

A: There is no cost to you while you are in school—and until January 1st of the year following graduation.
Use our interactive worksheet to estimate your CDSPI premiums when you become an associate.

 

Q: I’m young and healthy—why do I need insurance?

A: Good question. The likelihood of injury or illness is lower when you are young and healthy, but it still can happen. When you are insured as a young, healthy undergraduate at no cost, you will benefit from lower premiums after you graduate. And you’ll have coverage should health issues arise.

 

Q: Why does CDSPI offer dental students insurance at no cost?

A: CDSPI is a not-for-profit organization with a mandate to benefit the dental community, including students. We work with the CDA and participating provincial dental associations to support dentistry. The no-cost student offer is one of the important ways CDSPI contributes to the future of dentistry.

 

Q: What’s the catch?

A: There isn’t one. There are no hidden fees and you are not locked into anything.

 

Q: What happens if I don’t sign up as a student?
A:  You’ll miss out on (a) great insurance coverage with no cost to you while you’re a student —and (b) you will miss out on future premium savings.

 

More questions? Please contact one of our Insurance Advisors at 1.800.561.9401 or insurance@cdspi.com.

 

¤ All answers are subject to the terms and conditions of the policy. Conditions, limitations and exclusions apply.

1 Your TripleGuard™ coverage is no-cost until the end of this year. Then you will pay 50% of regular premiums for three years as of January 2019.
2 The first $50,000 of your TripleGuard™ coverage is no-cost until the end of this year. Then you will pay 50% of regular premiums on the first $50,000 of coverage for three years as of January 2019. You will be charged regular premiums for coverage in excess of $50,000 when coverage is activated.