ENHANCED HEALTHCARE INSURANCE

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Why choose PlanDirect?

Province by province, governments are covering fewer everyday healthcare expenses.

This means that more expenses are being paid out of the pockets of people like you. PlanDirect can help fill the gap between provincial plan coverage and what you would be responsible to pay. No one ever expects it, but what if you or your spouse became ill or were injured in an accident? The financial impact could be devastating. You might have to pay for things like: an ambulance an upgrade to a semi-private or private hospital room physiotherapy treatment once youre out of the hospital medications crutches, wheelchairs or any other medical supplies youll need at home in-home nursing care services.

All this can add up to thousands of dollars out of your pocket. Depending on the plan you select, PlanDirect may cover these and other day-to-day expenses like eye examinations, eyeglasses and contact lenses, routine and major dental services, prescription medications and hearing aids. Unlike some individual medical insurance programs, PlanDirect: provides coverage for the treatment of pre-existing health conditions on approved applications does not require an overall lifetime maximum or any waiting periods is portable from province to province as long as you continue to qualify for provincial health insurance offers guaranteed acceptance for individuals coming from previous similar coverage within the last 60 days.*

With our plan selection, convenience and value, all you need to do is decide on the plan thats right for you.

* Please refer to the Rates booklet for details on our Guaranteed Acceptance program.

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Table of contents
PlanDirect coverage overview.................................................................................. 4 Eligibility and cost..................................................................................................... 6 Detailed information Plans................................................................................... 9 Healthcare services and supplies................................................................ 9 Dentalcare services and supplies.............................................................. 13 General limitations and exceptions.......................................................... 15 Specific limitations and exceptions........................................................... 16

PlanDirect optional coverage................................................................................. 17 Emergency Travel Medical Benefit............................................................ 17 Accidental Death, Dismemberment and Specific Loss Benefit.............. 23 Hospital Cash Benefit................................................................................. 25 Major Dental Services and Supplies Benefit............................................. 26 Enhanced Prescription Drug Benefit........................................................ 27

Features.................................................................................................................... 28 Applying for coverage............................................................................................... 29 Notice for Quebec residents ...................................................................... 30

Frequently asked questions................................................................................... 31 For more information............................................................................................. 32

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Take time now

to take care of your future healthcare needs
PlanDirect is specifically designed for long-term use and stability. It offers quality coverage for people with different needs and lifestyles, through a choice of plan designs and optional benefits.

Plan Designs
Value covers your essential healthcare needs, excluding prescription drugs. Basic covers your basic healthcare needs, plus prescription drugs. Advantage offers extended healthcare, including dental coverage, excluding prescription drugs. Comprehensive offers a wide range of benefits, including dental coverage and prescription drugs our most popular plan. Premier offers higher coverage levels and major dental coverage to people who had similar previous coverage.

Optional benefits
Emergency Travel Medical helps protect you against potentially high medical care costs incurred while travelling outside of Canada. Accidental Death, Dismemberment and Specific Loss provides you with added financial security if you or your dependants are faced with death or injury due to an accident. Hospital Cash offsets costs associated with an extended hospital stay. Major Dental Services and Supplies covers you for additional major dental services beyond the routine dental services provided by Advantage or Comprehensive Plan coverage. Enhanced Prescription Drug Benefit covers you for large, unexpected prescription drug expenses in addition to any drug coverage provided under your chosen PlanDirect plan.
Limitations may apply to optional coverage, depending on the plan design chosen. Please see the Optional Coverage section of this brochure for important definitions, limitations and exceptions.

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PLANS

PLANDIRECT COVERAGE overview

VALUE PLAN BASIC PLAN HEALTH WITH DRUGS 100% to $225 per day for a maximum of 90 days per calendar year for a semiprivate room Without drug card 90% to a maximum of $1,000 per person each calendar year or With drug card 80% to a maximum of $1,000 per person each calendar year Air & ground covered at 100% 90% up to $3,500 per person every 36 months

PLANS

BENEFIT DETAILS
HOSPITAL ACCOMMODATION

HEALTH NO DRUGS 100% to $225 per day for a maximum of 90 days per calendar year for a semiprivate room No coverage

PRESCRIPTION DRUGS*

*See Notice to Quebec Residents on page 30 AMBULANCE SERVICES IN-HOME NURSING CARE Air & ground covered at 100% 90% up to $3,500 per person every 36 months

MEDICAL SUPPLIES, AIDS AND APPLIANCES DENTAL ACCIDENT CARE PARAMEDICAL SERVICES

90% up to maximums in policy Covered at 90% 90% up to maximums in policy One eye exam to a maximum of $50 every 24 months

90% up to maximums in policy Covered at 90% 90% up to maximums in policy One eye exam to a maximum of $50 every 24 months

VISIONCARE

HEARING AIDS DENTALCARE ROUTINE DENTALCARE MAJOR RESTORATIVE

90% up to $500 per person every 5 years No coverage No coverage

No coverage No coverage No coverage

ANNUAL PLAN MAXIMUM

$30,000 per person each calendar year

$30,000 per person each calendar year

Preferred Vision Services (PVS) discount on prescription eyewear and hearing aids at participating outlets. Great-West Lifes Health & Wellness Site comprehensive health information and interactive health-related tools, available online 24 hours a day, seven days a week. Health Information Service reliable information and reassurance with one phone call. Family Support Service links individuals to a network of qualified healthcare and homecare professionals. Nutrition Support Service expert advice that offers a proactive, self-care approach to wellness. Note: The above information is a summary only. Please see pages 9-16 for detailed coverage information. PLANDIRECT 4

ADVANTAGE PLAN HEALTH & DENTAL NO DRUGS 100% to $225 per day for a maximum of 90 days per calendar year for a semiprivate room No coverage

COMPREHENSIVE PLAN HEALTH & DENTAL WITH DRUGS 100% to $225 per day for a maximum of 90 days per calendar year for a semiprivate room Without drug card 100% to a maximum of $1,500 per person each calendar year or With drug card 85% to a maximum of $1,500 per person each calendar year Air & ground covered at 100% 100% up to $3,500 per person every 36 months

PREMIER PLAN HEALTH & DENTAL WITH DRUGS 100% to $250 per day with unlimited number of days for a private room 90% to a maximum of $2,000 per person each calendar year; includes drug card

Air & ground covered at 100% 100% up to $3,500 per person every 36 months

Air & ground covered at 100% 90% up to $1,500 each year including home health care aid 90% up to maximums in policy Covered at 90% 90% up to maximums in policy 90% up to $275 per person every 24 months One eye exam every 24 months 90% up to $800 per person every 5 years 85% unlimited maximum 50% up to $1,000 per person each calendar year for dentures, bridgework, crowns, posts, onlays & inlays $50,000 per person each calendar year

100% up to maximums in policy Covered at 100% 100% up to maximums in policy 100% up to $200 per person every 24 months One eye exam every 24 months 100% up to $500 per person every 5 years 80% up to $1,000 per person each calendar year No coverage (optional Major Dental Services and Supplies Benefit available) $40,000 per person each calendar year

100% up to maximums in policy Covered at 100% 100% up to maximums in policy 100% up to $200 per person every 24 months One eye exam every 24 months 100% up to $500 per person every 5 years 80% up to $1,000 per person each calendar year No coverage (optional Major Dental Services and Supplies Benefit available) $50,000 per person each calendar year

Optional Coverage
Emergency Travel Medical Benefit provides 30 consecutive day multi-trip coverage for under age 65, or 15 consecutive day multi-trip coverage for age 65-70 Accidental Death, Dismemberment and Specific Loss Benefit available in units of $25,000, up to 10 units Hospital Cash Benefit $50 per day beginning on the fourth day of hospitalization Major Dental Services and Supplies Benefit 50% up to $750 annually Enhanced Prescription Drug Benefit up to $250,000 annually per person Please see pages 17-27 for more details on the optional benefits you can add to enhance your PlanDirect plan coverage.

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PLANS

ELIGIBILITY, COST AND MORE

ELIGIBILITY AND COST

This section includes a summary of eligibility requirements and premium information.

Eligibility
Youre eligible to apply for coverage under a PlanDirect plan if you are: a Canadian resident covered by your provincial healthcare plan between ages 50 and 70 if you have not had any supplementary health insurance coverage in the past 60 days between ages 50 and 75 if you have had supplementary health insurance coverage in the past 60 days.

Please note: The Premier plan is only available if you had similar coverage within the last 60 days, including major restorative dentalcare benefits.

In order to qualify any dependants for coverage: your spouse must be married to you, or living common law with you your children must be either under the age of 21, or under the age of 25 if theyre full-time students.

Optional coverage Youre eligible to apply for Accidental Death, Dismemberment and Specific Loss or Emergency Travel Medical optional coverage at any time. You can only apply for Hospital Cash, Enhanced Prescription Drug or Major Dental Services and Supplies Benefit options with your initial application for PlanDirect coverage. You may not add these coverages after the policy is in force. Your spouse and children must be covered under your PlanDirect plan to be eligible for any optional coverages.

Cost
The rates you pay for your PlanDirect plan are based on a number of factors, including: your province or territory of residence your age the plan you select the type of coverage you require (single, couple or family) the optional benefits you choose whether you have had similar prior coverage within the last 60 days the rate category you qualify for (see next page)

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Applicants with prior coverage The following three rate categories are available to you if you are age 50 to 75 and have had coverage similar to the PlanDirect coverage you are applying for within the last 60 days. Preferred Plus rates Please use our Preferred Plus rates if you have had similar coverage within the last 60 days, and can answer No to the two medical questions on the medical and lifestyle questionnaire on the application form. Preferred rates Please use our Preferred rates if you have had similar coverage within the last 60 days, and cannot answer No to the two medical questions on the medical and lifestyle questionnaire on the application form. Upon review of your PlanDirect application, if we determine that you do not qualify for Preferred rates, you will still qualify for coverage on a Guaranteed Acceptance rate basis. Guaranteed Acceptance rates Please use our Guaranteed Acceptance rates only if you are age 50 to 75, you have had similar coverage within the last 60 days, and you choose not to complete the two medical questions on the Medical and Lifestyle Questionnaire on the application form.* The Enhanced Prescription Drug Benefit is not available if you are applying for Guaranteed Acceptance rates.

* We recommend all applicants complete the Medical and Lifestyle Questionnaire as you may qualify for Preferred or Preferred Plus rates.

Applicants without prior coverage The following rate category is available to you if you are age 50 to 70 and have not had coverage similar to the PlanDirect coverage you are applying for within the last 60 days. Standard rates Please use our Standard rates if you have not had similar coverage within the last 60 days. You must complete the two medical questions on the medical and lifestyle questionnaire on the application form. Great-West reviews information required on the medical and lifestyle questionnaire, which forms part of the application for underwriting purposes. Based on your or a family members medical history, we may decline coverage, or adjust the premium charged for coverage.

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ELIGIBILITY, COST AND MORE

ELIGIBILITY AND COST

ELIGIBILITY, COST AND MORE

ELIGIBILITY AND COST

The Premier Plan and the Major Dental Services and Supplies option are not available if you are applying for Standard rates. Premiums Your premiums are paid in advance each month by pre-authorized withdrawal from your bank account. If your premium payment is returned due to non-sufficient funds, NSF charges may apply. Each year, we review all rates. We may adjust rates depending on the claims for all PlanDirect clients or if a major change takes place in a provincial government health program. Your premium may be adjusted upon your renewal date if we have made a rate adjustment or if you are in a new age category. You will be given advance notice of any change to your premium at least 30 days prior to your renewal date. Your premium will only change during the year if you or your covered spouse or children become members of a different risk class (a group of insureds of similar ages and other characteristics residing in the same province or territory) while your policy is in force. This includes: moving from one province/territory to another upgrading/downgrading your coverage or adding an optional benefit; or changing from couple coverage to single coverage, or vice versa. Please refer to the Rates booklet to determine your cost. 10-day right to examine your policy If, after receiving it, you are not satisfied with your PlanDirect policy, you may cancel it without penalty within 10 days after you received it (or where permitted by law within 60 days after its effective date if you did not yet receive the policy). If you add an optional benefit to your existing PlanDirect policy, the 10-day right to examine will apply to the new benefit.

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Healthcare services and supplies.......................................................................... 9 Dentalcare services and supplies........................................................................ 13 General limitations and exceptions.................................................................... 15 Specific limitations and exceptions.................................................................... 16

Healthcare services and supplies

Coverage is for reasonable and customary expenses not covered by a government plan. Prescription drugs Basic, Comprehensive and Premier plans cover: Drugs that by law require a prescription by a physician or other person entitled by law to prescribe them. Coverage is not provided for certain prescription drugs such as: drugs for the treatment of erectile dysfunction; smoking cessation products; homeopathic preparations, proprietary or patent medicines; and any drug that does not have a drug identification number as defined by the Food and Drugs Act, Canada. Hospital accommodation Value, Basic, Advantage and Comprehensive plans cover: The difference in cost between semi-private and standard ward accommodation in hospital if the semi-private accommodation starts while insured under the PlanDirect policy and is for acute, convalescent or palliative care. Premier plan covers: The difference in cost between private and standard ward accommodation in hospital if the private accommodation starts while insured under the PlanDirect policy and is for acute, convalescent or palliative care.

Nursing home care all plans cover: Accommodation in a nursing home, if accommodation starts while insured under the PlanDirect policy and is for acute, convalescent, chronic or palliative care. Coverage is for up to $50 per day, for 30 days per condition, per lifetime of the condition. Nursing home care must be approved by Great-West prior to commencement of care. Ambulance services all plans cover: Ambulance service including air ambulance, if provided by a licensed ambulance company for transportation to the nearest centre where essential treatment is available.

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DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

In-home nursing care all plans cover: In-home nursing care provided in a private residence by a graduate registered nurse, licensed practical nurse or registered nursing assistant. Home health aid care Premier plan covers: Home health aid care, if prescribed by a physician, obtained through a licensed home health agency, and provided on a part-time or intermittent basis. Medical supplies, services, aids and appliances all plans cover: The following supplies, when prescribed by a physician. For supplies available on a rental basis, Great-West covers the rental cost, or at its discretion, the cost of purchase. Diagnostic lab and x-ray services: Performed in the insureds home province or territory Breathing equipment: Oxygen and the equipment needed for its administration; intermittent positive pressure breathing machines; continuous positive airway pressure machines; apnea monitors for respiratory dysrhythmias; mist tents and nebulizers; chest percussors, drainage boards, sputum stands and tracheostoma tubes Orthopedic equipment: Custom-made foot orthotics and custom-fitted orthopedic shoes (limited to a maximum for each insured person, per calendar year, of $100 for Value, Basic, Advantage and Comprehensive plans, and $500 for Premier plan), braces, casts, splints, cervical collars, external electrospinal stimulators for the correction of scoliosis, non-union bone stimulators and prone standers Prosthetic equipment: External breast prostheses (once per insured person per calendar year), surgical brassieres (two per insured person per calendar year), artificial eyes, standard artificial limbs, cleft palate obturators, and internal breast prostheses to the amount payable for external breast prostheses Mobility aids: Wheelchairs and power scooters when necessary to permit independent participation in daily living, and repairs and rechargeable batteries for covered wheelchairs (limited to $1,500 per insured person per lifetime) Diabetic equipment: Blood-glucose monitoring machines (limited to one per insured person every four years) Other medical supplies: Canes, walkers, crutches, parapodiums, hospital beds, bed rails, trapeze bars, head halters and traction apparatus, colostomy and ileostomy supplies, catheters and catheterization supplies, food substitutes that must be administered through a tube feed process and the tube feeding pumps and pump sets, transcutaneous nerve stimulators for the control of chronic pain (limited to $700 per insured person per lifetime), custom-made pressure supports for lymphedema, custom-made compression hose (limited to four pairs per insured person per calendar year), extremity pumps for lymphedema or severe postphlebitic syndrome (limited to $1,500 per insured person per lifetime), custom-made burn garments, elevated toilet seats, shower chairs, bathtub rails and standard commodes, wigs for cancer patients undergoing chemotherapy (limited to $500 per insured person per lifetime), surgically implanted intraocular lenses, and eyeglasses or contact lenses following eye surgery (limited to one pair following eye surgery)

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Paramedical services All plans cover out-of-hospital treatment, after provincial benefits have been paid, for reasonable and customary charges for each of the following practitioners: licensed chiropractor for muscle and bone disorders; licensed osteopath; licensed naturopath; and licensed podiatrist for foot disorders; to a maximum for each of these practitioners of: $250 per insured person per calendar year (Value, Basic, Advantage and Comprehensive Plans); $365 per insured person per calendar year (Premier Plan); licensed physiotherapist for movement disorders to: $250 per insured person per calendar year (Value, Basic, Advantage and Comprehensive Plans); $425 per insured person per calendar year (Premier Plan); registered psychologist and social worker combined, to: $320 per insured person per calendar year (Value, Basic, Advantage and Comprehensive Plans); $370 per insured person per calendar year (Premier Plan); qualified speech therapist for speech impairments to: $270 per insured person per calendar year (Value, Basic, Advantage and Comprehensive Plans); $365 per insured person per calendar year (Premier Plan); qualified massage therapist to: $250 per insured person per calendar year (Advantage and Comprehensive Plans) $365 per insured person per calendar year (Premier Plan)

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DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

Hearing aids Value, Advantage, Comprehensive and Premier plans cover: Hearing aids, including batteries, tubing and ear molds provided at the time the hearing aid is purchased. Visioncare: All plans cover: Eye exams when performed by a licensed ophthalmologist or optometrist. Advantage, Comprehensive and Premier plans cover: Glasses and contact lenses required to correct vision when provided by a licensed ophthalmologist, optometrist or optician; and laser eye surgery when performed by a licensed ophthalmologist. Dental accident treatment* All plans cover: Treatment from accidental injury to sound natural teeth. The accident must occur while the insured is covered under the PlanDirect policy. Treatment must begin within 60 days after the injury and be performed by a dentist, oral surgeon or denturist.

*Note: The Value and Basic plans cover Dental Accident Treatment under Healthcare services and supplies, but they do not cover Dentalcare services and supplies.

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Dentalcare services and supplies

Coverage is provided for reasonable and customary expenses based on the current fee guide in effect in your home province or territory on the date the expense is incurred. Advantage and Comprehensive Plans cover Routine dental services and supplies. Premier Plan covers Routine dental services and supplies, plus Major dental services and supplies. Routine dental services and supplies Diagnostic services: one complete oral examination per insured person every three years; oral pathology, periodontal, surgical, prosthodontic and endodontic examinations; limited oral and periodontal examinations limited to twice per year per insured person (Premier plan limited to once every nine months); specific and emergency examinations; one complete series of intra-oral radiographs per insured person every three years; intra-oral radiographs to a maximum of 15 films and one panoramic radiograph per insured person every three years when not provided in the same year as a complete series; sialography; extra-oral radiographs other than panoramic and sialography; radiopaque dyes used to demonstrate lesions; interpretation of radiographs or models from another source; microbiological, histological, cytological, and pulp vitality tests and laboratory services Preventative services: prophylaxis and topical application of fluoride twice per insured person per year (Premier plan limited to one every nine months); pit and fissure sealants on bicuspids and permanent molars once per insured person every five years; space maintainers and maintenance of space maintainers; appliances for the control of harmful habits; finishing restorations; interproximal disking and recontouring of teeth Minor restorative services: caries, trauma and pain control; amalgam and tooth-coloured posts for fillings; retentive pins and prefabricated posts for fillings and prefabricated crowns for primary teeth Denture maintenance: one denture reline, rebase and resilient liner in relined or rebased dentures per insured person every three years Oral surgery: removal of teeth; surgical exposure of teeth; minor alveoplasty, gingivoplasty and stomatoplasty for remodeling and recontouring oral tissues; surgical incisions; surgical excision of tumors, cysts, and granulomas; treatment of fractures, including related bone grafts to the jaw; treatment of maxillofacial deformities, including related bone grafts to the jaw and cheiloplasty and palatal obturators Adjunctive services: minor remedies for relief of dental pain, therapeutic injections and anesthesia required in relation to covered services Endodontic services: Procedures described in the endodontic section of the Canadian Dental Association Uniform System of Coding and List of Services. Root canal therapy on permanent teeth is limited to one course of treatment per tooth. Periodontal services: Procedures described in the periodontal section of the Canadian Dental Association Uniform System of Coding and List of Services. Both scaling and root planing are limited to a combined maximum of six 15-minute time units per insured person per year. Both occlusal adjustment and equilibration are limited to a combined maximum of six 15-minute time units per insured person per year.

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DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

Major dental services and supplies Crowns and onlays: Metal, plastic, porcelain and ceramic crowns, onlays, posts, cores, pins and copings related to covered crowns. Coverage for crowns on molars is limited to the cost of metal crowns. Dentures and bridgework: Dentures, including overdentures, bridgework and implant retained appliances, when required to replace one or more teeth extracted while the PlanDirect policy is in force. Denture-related surgery: The following denture-related surgical services for remodeling and recontouring oral tissues: remodeling, excisions, removal, reduction or augmentation of the alveolar bone, remodeling of the flooring of the mouth, vestibuloplasty, reconstruction of the alveolar ridge, extensions of mucous folds and related surgical grafts. Appliance maintenance: One denture remake per insured person every three years and one denture adjustment per insured person per year, denture repairs and additions, tissue conditioning and resetting of denture teeth.

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General limitations and exceptions

No benefits will be paid under a PlanDirect plan for the following: expenses for drugs under Value and Advantage plans services and supplies associated with the diagnosis or treatment of infertility or contraception (except oral contraceptives, which are covered under the Basic, Comprehensive and Premier plans) dentalcare services and supplies associated with congenital defects or developmental malformations in people 19 years of age or over, temporomandibular joint disorders, vertical dimension correction, myofacial pain or orthodontic treatment expenses that private insurers are not permitted to cover by law services and supplies that the insured is entitled to without charge by law, or for which a charge is made only because the insured has insurance coverage services and supplies that do not represent reasonable medical treatment or reasonable dental treatment services and supplies associated with treatment performed for cosmetic purposes only services and supplies associated with chronic care except those used for Nursing Home accommodation services or supplies associated with items covered under your policy, unless specifically listed as a covered healthcare or dentalcare service or supply services or supplies received outside Canada, except as provided by the Emergency Travel Medical Rider, if in force (unless stated otherwise in your policy booklet) services or supplies received out-of-province in Canada unless: the insured is covered by the Government Plan providing Medicare coverage in the insureds home province or territory; and Great-West would have paid benefits for the same services or supplies if they had been received in the insureds home province expenses arising from war, declared or undeclared, insurrection, acts of terrorism, voluntary participation in a riot or civil unrest expenses arising from committing or attempting to commit an assault, battery or criminal offense, whether or not the insured was charged with a criminal offense expenses incurred as a result of or a loss resulting from or associated with a self-inflicted injury or attempted suicide, while sane or insane. Benefits payable under PlanDirect for healthcare and dentalcare services and supplies eligible under any government plan are limited to any deductible and co-insurance amounts the insured is required to pay under the government plan. A government plan means a plan that provides drugs, health, dental or vision coverage and is legislated, funded, or administered by a government.

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DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

DETAILED COVERAGE INFORMATION

DETAILED INFORMATION PLANS

Specific limitations and exceptions
The above are the general limitations and exceptions that apply to PlanDirect. PlanDirect also contains specific limitations and exceptions that apply to specific coverage. For example, coverage is not provided for air-fluidized beds or for special wheelchair features primarily for participation in sports. These are examples only and further specific limitations and exceptions apply. Please read your policy carefully when you receive it, as it contains important definitions, limitations and exceptions.

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PlanDirect offers five options for individuals and families looking for additional protection against medical and dental expenses not covered under your provincial health plan. Emergency Travel Medical Benefit............................................................ 17 Accidental Death, Dismemberment and Specific Loss Benefit.............. 23 Hospital Cash Benefit................................................................................. 25 Major Dental Services and Supplies Benefit.............................................26 Enhanced Prescription Drug Benefit.........................................................27

Emergency Travel Medical Benefit

Youve no doubt heard about the expense associated with medical care when travelling outside Canada. PlanDirect makes it easier than ever to have the travel medical coverage you need by offering an Emergency Travel Medical Benefit option, which covers you for an unlimited number of trips. With competitive rates and the convenience of having one less arrangement to make the next time you travel, this option is an excellent addition to your PlanDirect coverage. Most emergency medical expenses incurred within Canada but outside your home province are covered by your provincial plan. The Emergency Travel Medical Benefit option provides up to $1,000,000 of coverage per trip for a medical emergency when youre outside Canada. This benefit covers trips of up to: 30 consecutive days for insured persons under age 65 15 consecutive days for insured persons age 65 to 70. We recommend that you review your provincial plan coverage before incurring medical expenses outside your province. Emergency treatment The Emergency Travel Medical Benefit option covers basic services and supplies related to emergency medical treatment, including: treatment by a physician hospital services medical services and supplies, such as anesthesia, blood, casts and dressings prescribed drugs when provided during an in-patient or outpatient hospital visit ambulance service emergency dental treatment. Assistance services You also get access to emergency travel assistance when youre travelling outside Canada or more than 500 kilometres from home24 hours a day, seven days a week. Assistance co-ordinators can help you locate medical care, legal assistance, local interpreters and appropriate services for replacing lost passports. Other emergency services include hospital admission assistance, assistance for unattended children, return of vehicle, medical evacuation and family member travel assistance.

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OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

Extra value benefits To help provide you with comprehensive protection, this option also covers the cost of pre-paid travel expenses that are not refundable or recoverable from another source, under certain circumstances, when: your trip must be cancelled for medical reasons you must return home due to a medical emergency you must return home because a close family member has died or has an unforeseeable sickness or injury requiring intensive care treatment. Definitions Emergency Medical Treatment means medical treatment immediately required for the relief of an injury or an acute episode of sickness. Medical Emergency means any injury or sickness, which arises suddenly, cannot reasonably be anticipated and requires emergency medical treatment. Non-Emergency Treatment or Surgery means: any treatment or surgery not required for immediate relief of acute pain or suffering, or which could reasonably be delayed until the insured returns home, including periodic check-ups or examinations and regular care for chronic conditions; any treatment received by the insured outside of Canada following emergency medical treatment, including follow-up visits and rehabilitation, if the insureds medical condition permits the insured to return home; any treatment or surgery for a medical condition where the medical condition would not have prevented the insured from returning home for treatment or surgery; and any medical or hospital services which the insured specifically travelled to obtain, whether or not on the advice of a physician. Emergency medical treatment Benefits payable for emergency medical treatment are limited to customary charges for the service or supply provided. The following services and supplies are covered when provided during a covered trip. The provision of these services and supplies must be related to emergency medical treatment resulting from a medical emergency. Ambulance services ambulance services, including air ambulance, to the nearest centre where essential treatment is available. where air ambulance service is required, coverage for a medical attendant is also included, if required. air ambulance services must be approved, in advance, by Great-West and arranged by the assistance centre.

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Hospital services hospital in-patient services and supplies, including room and board and general nursing care while confined to a hospital semi-private room, ward, coronary care unit or intensive care unit for acute care; surgery; and hospital outpatient services and supplies. Physician services the services of a licensed physician. Emergency dental treatment benefits payable for emergency dental treatment provided for treatment to a sound natural tooth, required as a result of a blow from an external force, are limited to $1,000 per covered trip, and for a reason other than a blow from an external force, are limited to $200 per covered trip. Private duty nursing services a professional nurse, who is not a member of the insureds family, when provided during hospital confinement for emergency medical treatment, and when ordered by a physician. Miscellaneous services and supplies The following miscellaneous services and supplies are covered when provided on an in-patient or outpatient basis: anesthesia and its administration; diagnostic x-ray and laboratory examination; whole blood, blood plasma and blood products; oxygen and its administration; casts, dressings, crutches, canes, slings and splints; prescription drugs requiring a prescription by law; and rental of medical appliances, a hospital-type bed, wheelchair, crutches, braces, etc. (not to exceed the cost of purchase). Emergency medical assistance services Where Great-West has given its prior approval, Great-West will pay for, or reimburse expenses for, the following emergency medical assistance services resulting from a medical emergency, where arranged by the assistance centre. Medical evacuation and repatriation transportation to the nearest hospital where treatment is available or to a hospital in Canada. coverage for a medical attendant is also included, if required. Great-West reserves the right to transfer the insured to another hospital or return the insured to his or her home province or territory. Great-West will be absolved of any further liability for that medical emergency if the transfer request is refused.

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OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

Return home return home of an insured by economy seating (or by upgraded seating or air ambulance if medically necessary), as well as additional seats for a stretcher, if required. if an insured is hospitalized and unable to accompany home any other insured who is on a covered trip with the insured, a one-way economy flight for each such insured to return home. return or round-trip transportation for an attendant for any insured who is unable to travel alone may be covered when considered necessary by Great-West. benefits under the Return Home provision are limited to $5,000 per insured per covered trip. Extended stay if the insured is unable to return to his or her home province or territory by the originally scheduled date of return because the insured is hospitalized on that date, Great-West covers any unexpected additional hotel accommodations and meals incurred by the insured, and by a person who accompanied the insured on the covered trip and who wishes to stay with the insured or at the bedside of the insured (limited to $200 per day to a maximum of $2,000 per covered trip). Coverage begins on the day after the originally scheduled date of return. Identification of deceased insured in the event of death of an insured during a covered trip, reasonable travel, hotel accommodation and meal expenses for one person to identify the remains (limited to $5,000 per insured). Repatriation of deceased insured in the event of death of an insured during a covered trip, the cost of services and supplies legally required for the preparation of the body and the cost for its return transportation to Canada (limited to $5,000 per insured). Burial or cremation of deceased insured at the place of death in the event of death of an insured during a covered trip, the cost of services and supplies legally required for the preparation of the insureds body for burial or cremation at the place of death (limited to $3,000 per insured). The determination to have an insureds body buried or cremated or returned to Canada will be made by the insureds closest relative. Transportation to bedside if the insured is on a covered trip alone, is hospitalized and expected to remain in hospital for more than seven consecutive days, the cost for reasonable travel, hotel accommodation and meal expenses for one person to visit the insured (limited to $5,000 per covered trip).

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Trip cancellation If, prior to a scheduled departure, an insured is required to cancel a trip due to: the death of an insured or an extended family member occurring within 22 days of the scheduled departure date; the injury or sickness, which did not result from a pre-existing condition, of an insured that caused the insured to be unable to start the trip. The attending physician must substantiate in writing that prior to the scheduled departure date, he or she advised the insured to cancel the trip or that the injury or sickness made it impossible for the insured to start the trip; the injury or sickness, which did not result from a pre-existing condition, of an extended family member which required immediate hospitalization with an expected stay of at least three days; or the enforceable call of an insured to jury duty or sudden and unexpected subpoena to act as a witness in a court of law during the trip, Great-West will reimburse the cost of pre-paid travel expenses which are not refundable or recoverable from any other source (limited to $2,500 per insured or $5,000 for all insureds per covered trip). For a benefit to become payable under the Trip Cancellation provision, Great-West must be notified within seven days of any cancellation in travel arrangements and Great-West must receive satisfactory proof of the reason for cancellation within seven days thereafter. Trip interruption if an insured has to end a covered trip and return to his or her home province or territory because the insured experienced a medical emergency, the cost of any non-refundable prepaid travel for the insured and for each insured travelling with the insured who has to return home (limited to $2,500 per insured or $5,000 for all insureds per covered trip). if the insured does not return home and opts to continue travelling after the medical emergency has ended, the additional cost of travel for the insured and for each insured person travelling with the insured. If required, Great-West will reimburse the additional cost for hotel accommodation and meals incurred by an insured travelling with the insured on account of the interruption. Benefits payable under the Trip Interruption provision are limited to $2,500 per insured or $5,000 for all insureds per covered trip. Unexpected return if an insured must return to his or her home province or territory because an extended family member who is not on the covered trip with the insured is suffering from an unforeseeable sickness or injury requiring intensive care treatment or has died, Great-West will reimburse the cost of any non-refundable prepaid travel express for each insured who is on the covered trip. Great-West will pay any extra cost for a one-way economy flight home (limited to $5,000 per insured per covered trip). Vehicle return if, for medical reasons, an insured or any accompanying person is unable to drive an automobile owned or leased by the insured to his or her home or to the place to which the automobile must be returned, the cost of returning the automobile (limited to $2,000 per covered trip). Benefits payable under this option will be reduced by 20 per cent, up to a maximum of $10,000, if in the event of a medical emergency, the assistance centre is not notified as required. This reduction in benefits payable does not apply if the total expenses incurred for medical services and supplies do not exceed $500.

21 PLANDIRECT

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

Important information No benefits will be payable for expenses under the Trip Cancellation for Medical Reasons provision or for any expenses incurred for Emergency Medical Treatment or Emergency Medical Assistance Services arising from or related to any injury or sickness: For insureds under age 60 on his or her departure date: that resulted in new symptoms or an increase in the frequency or severity of symptoms, or required medical attention or consultation, diagnosis or treatment, or hospitalization, or for which oxygen treatment was received or required or for which a change in treatment or medication (including dosage or usage) was received or required in the six months (pre-travel period) prior to an insureds departure date. For insureds age 60 and over on his or her departure date: that resulted in new symptoms or an increase in the frequency or severity of symptoms, or required medical attention or consultation, diagnosis or treatment, or hospitalization, or for which oxygen treatment was received or required or for which a change in treatment or medication (including dosage or usage) was received or required in the 365 days (pre-travel period) prior to an insureds departure date. The policy contains other limitations and exclusions common for this type of insurance. For example, there is no coverage for expenses incurred for non-emergency treatment, treatment if travel was undertaken against the advice of a physician, or if caused by participation in hazardous or professional sports activities. Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. No benefits are payable for losses resulting from a sickness, medical treatment, inhalation of gas, participation in hazardous sports, or flying other than as a passenger on a commercial airline. It is important to read and understand your policy before you travel as your coverage may be subject to certain limitations and exceptions. Termination age This coverage is available only prior to age 70.

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Accidental Death, Dismemberment and Specific Loss Benefit

This option allows you to buy the level of coverage you feel you need for added security, should you or your dependants have an accident that caused them to die or be injured. The amount payable depends on the type of injury. For loss of: life both hands or both feet or the sight of both eyes one hand and one foot one hand and sight of one eye or one foot and sight of one eye speech and hearing in both ears one arm or one leg one hand or one foot or the sight of one eye speech or hearing in both ears thumb and index finger four fingers on one hand all toes of one foot For loss of Use of: both arms or both legs or both hands one arm and one leg or one hand and one leg one arm or one leg one hand Amount payable the full insured amount the full insured amount the full insured amount the full insured amount the full insured amount of the full insured amount of the full insured amount of the full insured amount of the full insured amount
1 1

4 of the full insured amount 8 of the full insured amount

Amount payable the full insured amount the full insured amount of the full insured amount of the full insured amount

Loss after termination of insurance Accidental death, dismemberment and specific loss benefits are payable for covered losses suffered after termination of this option, as long as the injury was sustained while this option was in force.

23 PLANDIRECT

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

Repatriation benefits If benefits are payable under this option for loss of life of an insured which occurred at least 150 kilometres from the insureds home, this option will pay for the preparation of the body and its transportation to the place of burial or cremation up to a maximum of $2,500. Repatriation benefits do not include funeral expenses. Surgical reattachment If a dismembered part is surgically reattached, regardless of the use regained, the benefits payable are limited to 50 per cent of the amount payable for the specific loss. The balance of the benefit for Loss by Dismemberment is payable if the reattachment fails and the reattached part is removed within 365 days after the reattachment was performed. Insured amount and cost You can purchase up to 10 units of $25,000 each (maximum $250,000 of coverage). If your spouse is covered under your PlanDirect plan, then your spouse will be insured for 50 per cent of your insured amount. If you have covered children, each child will be insured for 10 per cent of your insured amount. For example, if you select four units for yourself, and you have family coverage, then coverage would be up to a Maximum Benefit Amount of: You Your spouse $50,000 Each child $10,000

$100,000

If you select an insured amount of $100,000 as shown in the example, and you have an accident that results in the loss of four fingers on one of your hands, the benefit amount payable would be of $100,000 or $25,000. The monthly cost per $25,000 unit is $2.75 for a single person; $4.00 for a couple; and $4.50 for a family. For example, if you purchase four units with family coverage, your cost would be four times $4.50 or $18.00 per month. Termination age This coverage is only available prior to age 71.

PLANDIRECT 24

Hospital Cash Benefit

If you were faced with an extended stay in hospital, wouldnt it be nice to know you have some extra income to help offset some of the costs associated with your stay? The Hospital Cash Benefit option provides $50 per day for hospital confinement for each insured, to a maximum of $200 per day for all insured family members for discretionary spending. Benefits start on the fourth day youre in the hospital in Canada, for a maximum of 60 days in a calendar year. For an insured child under 31 days of age, coverage is limited to $50 per day starting on the fourth day in the hospital in Canada, for a maximum of seven days confinement. Use the money to cover costs that will make your stay as comfortable as possible, such as a television in your room, or parking, cafeteria or babysitting expenses for your family. The choice is yours. The hospital stay must start while the insured is covered under this option. The Hospital Cash Benefit option is only available with your initial PlanDirect purchase. It may not be added later. Termination age The Hospital Cash Benefit option can remain in effect as long as your PlanDirect policy remains in force.

25 PLANDIRECT

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

Major Dental Services and Supplies Benefit
If you choose Advantage or Comprehensive plan coverage, you are covered for routine dental services and supplies such as oral examinations, emergency examinations, fluoride treatments, some denture maintenance and oral surgery. These routine services, however, may not meet all your needs. You can add the Major Dental Services and Supplies Benefit option to your Advantage or Comprehensive plan coverage. This option covers you and all insured family members for additional major dental services. To qualify for this option, you must have had similar prior coverage. Under this option, benefits are payable at 50 per cent for eligible major dental expenses, up to $750 per insured per calendar year. Covered major dental services and supplies Crowns and onlays: Metal, plastic, porcelain and ceramic crowns, onlays, posts, cores, pins and copings related to covered crowns. Coverage for crowns on molars is limited to the cost of metal crowns. Dentures and bridgework: Dentures, including overdentures, bridgework and implant retained appliances, when required to replace one or more teeth extracted while PlanDirect is in force. Denture-related surgery: The following denture-related surgical services for remodeling and recontouring oral tissues: remodeling, excisions, removal, reduction or augmentation of the alveolar bone, remodeling of the flooring of the mouth, vestibuloplasty, reconstruction of the alveolar ridge, extensions of mucous folds and related surgical grafts. Appliance maintenance: One denture remake per insured person every three years and one denture adjustment per insured person per year, denture repairs and additions, tissue conditioning and resetting of denture teeth.

The Major Dental Services and Supplies Benefit option is only available with your initial PlanDirect purchase. It may not be added later. Termination age The Major Dental Services and Supplies Benefit option can remain in effect as long as your PlanDirect policy remains in force.

PLANDIRECT 26

Enhanced Prescription Drug Benefit

Being diagnosed with a serious medical condition is stressful. You dont need the additional worry of being unsure whether you can afford to pay for the prescribed medications. New medications are constantly being introduced, and these like many prescription drugs are often costly and not covered by government health plans. This can leave you suddenly faced with unmanageable drug expenses. Adding the Enhanced Prescription Drug Benefit to your PlanDirect plan can help you manage these high medical expenses, allowing you to take full advantage of medical treatment you may require, without the worry of how paying for an essential prescription will affect your financial stability. The Enhanced Prescription Drug Benefit is available to applicants age 65 and under. This benefit provides up to $250,000 of prescription drug coverage, per calendar year, per insured family member. Benefits are payable at 100 per cent. A deductible amount of either $2,500 or $5,000 can be selected. This benefit is in addition to the prescription drug coverage included under your selected PlanDirect plan (Basic, Comprehensive, or Premier plans all include drug coverage). Claims for prescription drug expenses must be submitted under the selected PlanDirect plan first until the plan maximum has been met. Once you have reached the maximum benefit amount under your selected plan, claims should then be submitted under the Enhanced Prescription Drug Benefit. The payment made under your selected PlanDirect plan is subtracted from your deductible for the Enhanced Prescription Drug Benefit, meaning you may not have to pay the full deductible amount. If you choose a PlanDirect plan with a Pay-Direct Drug Card, use this card when purchasing prescription drugs under your selected plan. Claims under the Enhanced Prescription Drug Benefit must be made using paper claim forms. Eligibility for this benefit is based on your medical history and that of any dependants. It is possible some of your covered family members will qualify and others will not. The Enhanced Prescription Drug Benefit is only available with your initial PlanDirect purchase. The benefit cannot be added to an existing policy. This benefit is not available to residents of Quebec. Termination age The Enhanced Prescription Drug Benefit is available to applicants age 65 or under, and only with your initial PlanDirect purchase. It may not be added later. This option can remain in effect as long as your PlanDirect policy remains in force.

27 PLANDIRECT

OPTIONAL COVERAGE

PLANDIRECT OPTIONAL COVERAGE

ADDITIONAL INFORMATION

FEATURES
The following additional services are available to you with your PlanDirect plan. However, these services are not part of the PlanDirect policy and are not underwritten by The Great-West Life Assurance Company. PVS Gives you and your dependants a discount on a wide selection of quality eyewear, lens extras and hearing aids purchased from a registered PVS network optician or optometrist. The discount applies to frames, prescription lenses, contact lenses and lens extras, such as scratch guard, tints, etc. PVS entitles you to a discount on laser eye surgery obtained through an organization that is part of the PVS network. PVS also entitles you to a discount on hearing aids (batteries, tubing, ear molds, etc.) when you purchase these items through a PVS network provider. Great-West Lifes Health & Wellness Site provides current, reliable health information you and your family can use, any time, to: Explore in-depth information on diseases, conditions, drugs and treatment options Read regularly updated health and wellness articles Learn how lifestyle influences health through the interactive Personal Health Risk Assessment and other health tools and quizzes Create a customized action plan to help make improvements to your lifestyle. Confidential services for you and your immediate family: Health Information Service Need answers to simple health questions, or worry that symptoms may point to something more serious? This service can help. You get information and reassurance with one phone call 24 hours a day, seven days a week. A registered nurse provides personalized telephone assistance. Family Support Service Links you to a network of qualified, on-call healthcare and home care professionals. Whether you are looking for a solution to a home care emergency or planning longterm care, you get the guidance you need. This is a referral service only; it does not cover the fees for professional and support services. Nutrition Support Service Offers a proactive, self-care approach to wellness. Helps you make positive changes to your diet by examining the underlying issues associated with weight loss/ gain, eating routines and lifestyle changes. Solutions include a self-directed package of useful tips, information and resources as well as professional consultation with a registered dietician in more complex situations. Health Information Service, Family Support Service, and Nutrition Support Service are offered by PDAdmin Group through Shepellfgi consultants.

PLANDIRECT 28

This section includes important information to help you apply for your PlanDirect plan.

To apply for PlanDirect, just fill out the application form in this package, and mail it to us with: a personalized, blank cheque marked VOID to establish pre-authorized payments; and a cheque for your first two months premium. If youre applying for Preferred, Preferred Plus, or Guaranteed Acceptance rates, please send a letter from your employer or a copy of your insurance billing, indicating your type of coverage Health, or Health and Dental and the expiry date of your policy. If youre applying for the Premier plan, your previous plan must have provided coverage for major restorative dental treatment. Your coverage begins on the first day of the month following the date that your application is approved. If you or your spouse, or any dependants, are confined to a hospital on the date that coverage would have otherwise started, it will begin on the date of release from the hospital. Changing your coverage Its important to choose your plan carefully. You may decrease your coverage after you have been insured at the higher level for one year. To move to a higher level of coverage you must again complete the Medical and Lifestyle Questionnaire and qualify for coverage. The Premier plan (for eligible applicants), the Hospital Cash Benefit option, the Enhanced Prescription Drug Benefit option and the Major Dental Services and Supplies Benefit option are only available when you first purchase your PlanDirect policy. Direct Deposit When you apply, you can choose to have your PlanDirect claims payments automatically deposited to your account with Direct Deposit from Great-West. With Direct Deposit, there are no delays receiving your cheques due to mail disruptions, no chance your cheques will be lost or stolen, and no need to deposit your cheques in person.

Making a claim
When youre enrolled, well send you a supply of claim forms. When you need to make a claim, simply fill out a claim form and send it, along with your original health and dental receipts, to Great-Wests Individual Health Unit at the address shown on the form. Forms are also available online through the Client Services section of the Great-West website at www.greatwestlife.com. Great-West will mail your claim cheque, together with a complete explanation of your benefits, directly to your home address. If you have a drug card under the Basic with Drug Card, Comprehensive with Drug Card or Premier plans, your Pay-Direct Drug Card will pay your eligible prescription drug expenses on the spot, to the amount covered by your plan. The Drug Card cannot be used for expenses under the Enhanced Prescription Drug Benefit.

29 PLANDIRECT

ADDITIONAL INFORMATION

Applying for coverage

ADDITIONAL INFORMATION

Applying for coverage

Notice for Quebec residents
If you live in Quebec, you are required to have drug coverage through a group insurance plan with your employer or the Quebec Provincial plan, the Rgie de lassurance maladie du Qubec (RAMQ). When covered for drugs under RAMQ, you will still have to pay a monthly deductible plus a co-insurance charge out of your own pocket, subject to a calendar year maximum. The calendar year out-of-pocket maximum applicable to Quebec residents for in-province expenses for drugs listed in the Liste de mdicaments published by RAMQ is automatically updated to the maximum established by law, and is subject to change from time to time. Depending on the plan you choose, PlanDirect tops up your RAMQ coverage by paying 80 to 100 per cent of your out-of-pocket expenses for drugs covered by RAMQ, plus 80 to 100 per cent of some drugs that are not covered by RAMQ, but are covered by PlanDirect. PlanDirect does not replace RAMQ coverage. You must enroll in RAMQ if you do not have drug coverage through a group insurance plan. To receive benefits under RAMQ after you cease to be employed or no longer have access to a group plan, you must immediately register with the Rgie by calling or visiting one of their offices. For more information about RAMQ coverage, visit their website at www.ramq.gouv.qc.ca Quebec residents are not eligible to apply for the Enhanced Prescription Drug Benefit option.

This brochure is intended only as a summary of the coverage provided. The policy contains important definitions, limitations and exceptions. You will receive the policy shortly after you have applied and been approved for coverage. We recommend you read the policy carefully when you receive it.

PLANDIRECT 30

The insurance coverage from my employer will end in three months. Can I enroll with PlanDirect after that? Yes, and if you apply within 60 days of when your coverage ends, you automatically qualify for coverage at our guaranteed acceptance rates and may even be eligible for our Preferred or Preferred Plus Rates, depending on your medical history. We suggest that you apply early in order to have uninterrupted coverage. Does PlanDirect cover me while Im travelling? While travelling within Canada, you will be covered by your PlanDirect policy to the same extent as you would be covered while in your own home province. For travel outside Canada, you must buy extra emergency hospital and medical travel insurance. However, your PlanDirect dental, drug, and paramedical coverage, if applicable, applies outside Canada as well. For more information on our optional Emergency Travel Medical Benefit, see page 17. I have a medical condition which has been controlled for years by medication. Can I still get coverage with PlanDirect? Information provided in the Medical and Lifestyle Questionnaire included with your application is reviewed by Great-West for underwriting purposes. While some applicants are declined based on the medical assessment, many people who join PlanDirect do have some kind of medical condition. You may also qualify for our Guaranteed Acceptance Rates without medical evidence, if you had similar previous coverage under a group health and dental plan in the last 60 days. Im over age 65. If I buy a plan that includes drug coverage, will it pay for the cost of prescriptions not covered under my provincial health plan? Yes. PlanDirect pays for eligible prescription drugs, as well as government plan deductibles and co-payments, so you are not out-of-pocket for these expenses. Are my premiums tax-deductible? Your health and dental plan premiums are considered a medical expense, and therefore, can be used to calculate your medical expense tax credit when completing your Federal Income Tax return.

31 PLANDIRECT

ADDITIONAL INFORMATION

Frequently asked questions

ADDITIONAL INFORMATION

For more information

About PDAdmin Group
Administration services for PlanDirect are provided by PDAdmin Group, including handling client services, premium collection, maintaining policy information and distributing policy and renewal materials to policyholders.PDAdmin Group is an innovative third-party administrator, partnering with some of the largest and most financially sound insurance companies in Canada and providing unparalleled sales and service in the health and dental and emergency travel health insurance markets.

PDAdmin Group 200 -211 Consumers Road Willowdale ON M2J 4G8 Canada Phone (Toronto area): 416-490-0072 Toll-free anywhere in Canada: 1-800-565-4066 Fax: 416-490-6640 Email: plandirect@pdadmin.com Website: www.plandirect.com

About Great-West Life

All PlanDirect clients are insured by The Great-West Life Assurance Company. At Great-West Life, we take pride in our history of serving the financial security needs of Canadians. For more than 100 years, we have helped our clients develop their financial security plans. Founded in Winnipeg in 1891, Great-West is a leading Canadian life and health insurer. We provide a wide range of retirement savings and income plans, as well as life, disability and critical illness insurance for individuals, families and businesses. Great-West Life is a member of the Power Financial corporation group of companies. For current information about Great-West, including ratings and financial strength, visit our website at www.greatwestlife.com.

For more information about PlanDirect:

contact your financial security advisor, consultant or PDAdmin Group visit the PlanDirect section of Great-Wests website at www.greatwestlife. com/plandirect

PLANDIRECT 32

Take time now to take care of your future healthcare needs

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1-800-565-4066

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PlanDirect is administered by PDAdmin Group. PlanDirect policyowners are insured by The Great-West Life Assurance Company. Great-West Life and the key design are trademarks of The Great-West Life Assurance Company. PlanDirect and PDAdmin Group are trademarks of PlanDirect Insurance Services Inc., used under license by The Great-West Life Assurance Company.

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