AI Medical Tourism Coverage

This policy coverage encompasses elective spinal decompression surgery at a Toronto private medical facility. Coverage assumes the patient is ineligible for OHIP-subsidized care, necessitating private billing for facility fees, anesthesia, and surgeon professional services. Financial liability is strictly capped at the contracted rate provided by the facility. Emergency transfer protocols include a mandatory 24-hour stabilization phase within the clinic prior to any off-site transfer. Follow-up care is limited to clinical site consultations until the primary surgical wound has closed. Post-operative physiotherapy is excluded from this primary coverage, requiring separate authorization. All claims must be accompanied by the Canadian hospital's itemized statement of services and a physician-attested discharge summary for DKV reimbursement processing.