旅遊及探親各險種比較

旅遊及探親各險種比較

訪加旅遊探親險
保險公司	21st Century	ETFS	Travel Underwriter	T.I.C.
既有病保障	85歲以下, 如果在生效前180天病情穩定.	79歲以下, 如果在生效前120天病情穩定.	79歲以下, 如果在生效前120天病情穩定.	在生效前180天, 沒有處方藥, 醫療及住院.
等待期	85歲以下, 如果在到達加拿大30天之內購買, 72小時的等待期; 如果超過30天購買, 7天的等待期. 對於86歲以上的老人, 15天的等待期.	85歲以下, 48小時的等待期; 對於86歲以上的老人, 15天的等待期.	任何年齡, 如果在到達加拿大60 (含60)天之內購買, 48小時的等待期; 如果超過60天購買, 7天的等待期.	48小時
墊底費	85歲及以下, $50 每sickness,. 86歲及以上, $500每次.	85歲及以下, $0/$50. 86歲及以上, 每次探親總的墊底費$500.	基於報價$0. $100墊底費, 有5%折扣.$500墊底費有15%的折扣.$1000的墊底費有25%的折扣.	基本計劃, $50可選計劃: $0.
航空險及意外險	沒有	航空險: 同保額.	航空險: $25,00024小時意外險:$25,000	可選計劃有$25,000的意外保險.
醫學問卷	70-85歲之間, 如果需要保障已有的疾病或者80歲以上, 都需要詢問醫療問題.	不需要	不需要	71-85歲之間, 保額在$100,000以上的; 或者86歲以上; 或者任何年齡, 但需要保障已有的疾病, 都需要詢問醫療問題.
加拿大境外保障	隻要在加拿大滯留的時間有超過50%, 保障所有國家, 除了自己的來源國外.(對於中國人, 除中國外, 其他國家都保.)	隻要在加拿大滯留的時間有超過50%, 保障所有國家, 除了自己的來源國外.(對於中國人, 除中國外, 其他國家都保.)	隻要在加拿大滯留的時間有超過50%, 保障所有國家, 除了自己的來源國外.(對於中國人, 除中國外, 其他國家都保.)	隻要在加拿大滯留的時間有超過50%, 保障所有國家, 除了自己的來源國外.(對於中國人, 除中國外, 其他國家都保.)
取消	$50	在生效期以前, 不收任何費用; 在那以後, $40的費用; 淨費用少於$10的, 不會歸還.	在生效期以前, 不收任何費用; 在那以後, $50的費用; (需要至少還有45天的未使用的天數.)	$20如果全部歸還. $50部分歸還. 淨費用少於$10的, 不會歸還.
跟蹤治療	無特別限製	無特別限製	最高$3,000	基本計劃無跟蹤治療,可選2次跟蹤的計劃
最少保費	$25	$25	$15	最少10天
索賠	需要醫生簽字	$1000以下,需要2-3周	$1000以下,需要2-3周	需要醫生簽字及醫生報告
特別計劃	N/A	最多保障$500的針灸; 計算保費以申請日開始而不是生效日開始.(所以對於那些處於年齡段界限處的如過提前申請有時可以節省不少保費)	保障最多達$3,000的懷孕,生小孩及因此產生的並發的費用(Maternity Benefit). 條件是要發生在生生產的前9周以內並且是在保險生效以後懷孕的.	N/A
延期	在可以網上隨時申請	如果沒有申報過什麽費用, 在保險失效7天內隨時申請; 如果有申報過任何費用, 可以打電話申請, 並需要批準.	如果沒有申報過什麽費用, 在保險失效7天內隨時申請; 如果有申報過任何費用, 可以打電話申請, 並需要批準..	如果沒有申報過任何費用, 隨時在網上申請.

留學生
保費	TRAVEL UNDERWRITERS	ETFS
	$1.5/天	$1.45/天
	$547.50/年	$470/年
	團體: $430/年	N/A

出加拿大旅遊保險
保險公司	21st Century	ETFS	Travel Underwriter	T.I.C.
醫療問卷	55-75歲之間, 旅遊超過30天; 或者76-79歲.	55歲及以上, 都需要問卷調查後決定否可保及保費.	70歲以上需要回答一個問題以決定能不能受保.	60歲以上, 旅遊超過60天; 或者想買包括已有疾病的保險.
最低保費	$20	$25	$15	$25
墊底費	0	0	$250	0.$230(55歲以上, 需要醫療問卷調查的.)
已有疾病保障	對於PLAN B, 55歲以下或者55-75歲, 旅遊30天以內的; 55-75歲, 旅遊31天以上的, 並適合優先保費的; 或者75歲以上適合優先保費	54歲及以下, 病情在離開加拿大前6個月穩定的(有些病要求要穩定12個月). 但心肌梗塞不保.	1. 55歲及以下, 旅行時間28天及以內, 除了在啟程前的7天內得的病, 其他疾病都保.2. 55歲及以下,如果旅行時間在28天以上, 在啟程前90天內保持穩定的疾病都保.3. 對於56-59歲, 14天及以內的行程, 除了在啟程前的7天內得的病, 其他疾病都保.4. 對於56-59歲,如果行程在14天以上, 所保疾病必須在啟程前180天內是穩定的.5. 對於70-89歲的, 所保疾病隻限於在啟程前365天內穩定的疾病.	70歲以下, 35天行程以內, 所有疾病都保;36天行程以上或者年齡在71以上, 病情須在過去180天內保持穩定.

comparision on the features of different products visitor to Canada
Company	21st Century	ETFS	Travel Underwriter	T.I.C.
Pre-existing coverage	For ages 85and under, yes .If stable 180days before effective date	For age 79 and under, Yes. If stable 120days before effective date	For age 79and under, Yes. If stable 120 days before effective date	Sickness, injury or medical consultation, medical treatment or hospitalization within 180days preceding the effective date
Waiting period	For age 85 and under, if purchases within 30 days of arrival, 72 hours waiting period. If purchase after 30days, 7days waiting; for age 86 and older, 15 days waiting.	For age 85 or under, purchase anytime after arrival, 48 hours waiting period, age 86 and over, 15 days waiting period.	Any age, if purchase within 60 days of arrival, 48 hours waiting period, if purchase 61 days or more after arrival, 7 days waiting period..	48 hours waiting period
Deductible	Age 85 and under, $50 per sickness; age 86 and above, $500 per sickness.	Age 85 and under, $0/$50deductible;, Age 86 and above, $500 per cover trip..	$0deducctible on rate sheet; but 5%off for $100deductible; 15%off for $500 deductible; 25%for $1000 deductible	$50 for basic plan; $0 for select plan
Air flight &AD&D	Not covered	cover Air flight accident up to sum insured	Cover$25,000 air flight accident and $25,000 for 24 hours AD&D	$25,000 AD&D for select plan
Medical questionnaire	Age 70-85, if require pre-existing covered; or age 80 and above	No medical questionnaireRequired	No medical questionnaireRequired	Age 71-85 requires $100,000 or more of coverage; age 86 or over; any age requires pre-existing coverage
Travel outside of Canada	Cover anywhere traveling except own country, provided more than 50% time in Canada	Cover anywhere traveling except own country, provided more than 50% time in Canada	Cover anywhere traveling except own country, provided more than 50% time in Canada	Cover anywhere traveling except own country, provided more than 50% time in Canada
Cancellation	$50	No charge before effective date;$40 after; net amount less than $10 will not be refund	No charge before effective date;$50after; require 45 days remains unused on the policy	$20 for full refund; $50 for partial refund; Net amount less than $10 will not be refund
Follow up visit	No specified limit	No specified limit	Max. $3,000	No follow up for basic plan; up to 2 visits for select plan
Minimum Premium	$25	$25	$15	Minimum 10 days
Claim	Request physician signature	Below $1,000,around 2-3 weeks processing	Below $1,000,around 2-3 weeks processing	Request physician signature and report
Special features	N/A	Cover Acupuncture up to $500; Calculate premium base on application date not effective date	Cover maternity benefit up to $3,000 for pregnancy, childbirth and complications thereof in the last 9 weeks of the expected date of delivery provided the pregnancy commenced after effective date	N/A
Extension	Process online anytime	If no claim, process online within 7 days before policy expire; if have claim, call to extend, subject to approval	If no claim, process online within 7 days before policy expire and signature for no claim statement required. If has claim, call broker service line to get extension, subject to approval	Process online if there is no previous claim

International Student Plan
Rate	TRAVEL UNDERWRITERS	ETFS
	$1.5/day; $3.75/family	$1.45/day
	$547.50/year; $1,368.75/family	$470/year
	Group: $438/year	N/A

Canadian travel outside of Canada
Company	21st Century	ETFS	Travel Underwriter	T.I.C.
Medical questionnaire	Age 55 to 75, travel more than 30 days; or 76-79 travel with any length.	Age 55 and above, need questionnaire to determine the qualification and rate	Age 60 and above, need medical questionnaire to determine the qualification and rate	Over age 60,traveling longer than 60 days; or wanting to ensure pre-existing covered
Minimum premium	$20	$25	$15	$16
Deductible	0	0	$250 deductible on rate sheet; 15% surcharge for $0 deductible;5% off for $500 deductible;10% off for $1000 deductible;20% off for $2000 deductible;30% off for $5000 deductible	$0;$230 for 55 and above who need medical questionnaire
Pre-existing coverage	Age under 55 or age 55-75 traveling 30 days or less for plan B; Age 55 to 75 traveling 31 days or more qualified for preferred rate; or age 76 and older qualified for preferred rate	For age 54 and under, sickness stable for 6 months prior to departure date (some sickness require 12 months stable); Congestive heart failure will not be covered	For age 59 year and under, on trip 35 days and less will be covered except for conditions where symptom arose within 7 days prior to departure; if on trip over 35 days, any condition remained stable in the 90 days prior to departure. For age 60-89, on all trips providing the condition was stable in the 365 days prior to the commencement date of a covered trip.	Age 70 and under, travel up to 35 days will be covered. Required 180 days stable if age 70 and under, travel 36 days or more and age 71 and over for trips of any duration

查看旅遊保險更多信息>>> 

Albert Zhou, MBA, CFP

TEL: [phone]

[e-mail]