Authorization
I hereby apply for benefits coverage (“Coverage”) and certify that the information provided is true and complete. I authorize OTIP and its Insurer to collect, use, maintain and disclose my personal information, including personal health information (“Information”), relevant to this application, for the purposes of evaluating my eligibility to the plan, benefits plan administration, providing me with ongoing services, protecting us both from error and fraud and complying with various legal requirements (“Purposes”). I am authorized to consent to the collection, use, maintenance and disclosure of Information pertaining to my spouse/child covered under this plan, if applicable, for the Purposes. I agree that the Information in this application will be shared with the Insurer and any Coverage shall not become effective until approved by the Insurer. I agree that my Coverage may be denied or terminated at any time as a result of any false, incomplete, or misleading information having been provided in support of this application. This authorization shall remain valid unless cancelled by me in writing.
Terms of Purchase
Any purchase of insurance from this OTIP site will be subject to the applicable laws and the terms and conditions of the contract of coverage as issued by OTIP and/or the Insurer.
Privacy and Security
Although OTIP’s security efforts are consistent with industry practice in Canada, your complete privacy, confidentiality and security is not yet possible over the Internet and therefore, cannot be guaranteed. As a result, OTIP shall not be responsible or liable or held accountable for any harm or loss or any damages resulting whatsoever from your transmission of any information to OTIP.
Information Accuracy
The content on OTIP’s site is for informational purposes only, and should not be interpreted as a recommendation for any specific product or service, use or course of action. It's not intended to be used as a substitute for financial, legal, accounting, tax, or other professional advice or services, so please don't rely on it for these purposes. OTIP is unable to guarantee that the information contained on this site is accurate at all times or suitable for any particular purpose and OTIP makes no express or implied representations or warranties about the information. OTIP will not be responsible for any reliance you or any other party might place upon the information has a negative result for you or them, and OTIP will not be responsible for any damages you or others might suffer, even if we had been warned of the possibility of these damages. Use of this Site shall be on an "as is" basis and entirely at your own risk.
No Liability
OTIP, its affiliated companies, its officers, directors, trustees, agents or employees, or any other person associated with the creation of this site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort, negligence, or otherwise) that may arise in any connection with use of this site, including any direct, indirect, special, third party, or consequential damages.
Customer Information
You agree that all information you provide to OTIP and its insurer(s) in any connection with this site is true, accurate and complete in all ways and you acknowledge that OTIP and its insurer(s) relies on that information to provide you with information and/or insurance coverage.
Notice
These terms are specific to the purchase of a policy or for providing OTIP with information about you with your intent to purchase a policy, all whether or not a policy is issued to you. These terms are not a contract of, or for, insurance and no guarantee is given to you that a policy of insurance will be issued. If a policy of insurance is issued to you by an insurer upon application approval, actual terms and conditions regarding that policy will be detailed in the policy. It contains important information concerning details, terms, conditions and limitations. Please read the policy carefully upon receipt.
Medically Underwritten
If the plan is "medically underwritten" or "requires a medical questionnaire" as Evidence of Insurability, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important. The premium charged could be subject to adjustment or the benefits offered could be subject to modification or declined based on you, and your families, medical background. This will be determined after an evaluation of the information provided on the medical questionnaire, if one is required as part of the application process.
Effective Date of Coverage
Coverage is effective following the approval of the application on the first day of the month as selected by you on the application form.