申请人必须:
- 自购买日起出生至少15天以上;持有加拿大工作签证或学生签证;
- 不受保于加拿大政府健康保险计划的加拿大公民或移民访加旅客;
- 连续居住加拿大不超过两年;
- 旅游没有违背医生的建议并且/或者没有患绝症(绝症是指医生估计患者的生命不超过6个月;
- 没有患肾病需要做透析;
- 没有患充血性的心力衰竭,艾滋病或需家庭氧气;
- 没有出现新的或还未诊断的症状并且/或者知道有任何需要医护的病症。
JFVTC访加紧急住院/旅游探亲医疗保险特点: 4-6周理赔,一上飞机即可受保。价格最优。
申请人必须:
根据您的需求可选择以下不同的加元保险金额:
垫底费选择
无垫底费 : 年龄85 或以下
$50 垫底费 : 给予5%保费返还
最长受保时间: 365天,如果需要购买超过一年,可以到期后再买一个新的保险单。
最低保额: $25 CAD 每保单
家庭计划
按最大家庭成员年龄的每日保费的两倍计算. 子女年龄必需在21岁或以下.家庭计划适合两个大人带小孩或者一个大人带两个或多个小孩。
购买家庭计划,其价格比单独购买要便宜或优惠,因为家庭移民通常会带一个或几个未成年小孩。其价格是按最年长的价格2倍来计算。新移民到安省需要等候三个月方可拿到健康卡。
例如:刘先生(39岁)和太太(37岁)还有一个6岁以下的孩子全家新移民于11月2日定居Toronto。因安省三个月后OHIP才生效。一份新移民等候OHIP的医疗保险是不可少的。刘先生选择购买RSA公司 JF Premier家庭计划。 刘先生(最年长)$25,000 保额每天的保费为$2.50,选择家庭计划的保费为: $ 460($ 2.50 x 2倍x 92天)。如此刘先生一家三口每人都有各$25,000加元的保额。比买个体计划:($ 2.50 x 2x 92天+$2.27 x 92天)=$668.84节省了$208.84. 即节省了小孩的费用.
受保全球旅游
您须在加拿大停留整个保险期的51%的时间,但不包括返回您的居住国
可保已经存在的但稳定的慢性病
已有的慢性病如在本保险生效日前120天内稳定,即自动受保
生病等待期
如果保险在您到达加拿大之前即购买,则无“等待期”。
如果保险是在您抵达加拿大后购买,已有的慢性病如在本保险生效日前120天内稳定,69岁以下自动受保或70岁以上您购买了保稳定慢性病选项则受保。
退款
如果您在保险生效日之前申请退款可获得全额退款
剩余部分退款
如果你返回原居地,须在无索赔情况下或已经发生了医疗费用但不打算申请索赔,提供证明返回文件(例如:回程机票)
退款申请须在保险到期日后的90天内提出
每保单将收取$40退款手续费
无退款
如果索赔已经或即将递交
如果剩余款低于$10
住院费用
|
包括医院内外治疗的所有合理及常规费用
|
医生费用
|
医生治疗费用
|
诊断费用
|
包括x-ray,实验室检查费等合理及常规费用
|
救护车服务
|
当有合理需要时,有牌救护车送往附近医院
|
处方药费用
|
每次处方药最高达$500,限制30天的药量
|
医疗用具
|
石膏,夹板,疝气带, 支架, 拐杖, 轮椅租用及其他小型医疗用具
|
辅助专科医师
|
手足科医师,脊椎治疗师,骨科医师,物理治疗师或足科医师,每专科医师最高达 $500。
|
针灸
|
最高达$500, 必须购买一年保单
|
牙科因意外受损
|
最高达$3,000
|
紧急牙症
|
最高达$500加元
|
航空意外
|
最高可达受保金额
|
送返治疗
|
由Global Excel事先批准
|
遗体送返
|
最高达$10,000
|
Rate Schedule # 1 - Daily Rates ($0 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200.000 | $300.000 |
Up to 25
|
$1.79
|
$2.14
|
$2.38
|
$2.61
|
$3.77
|
$4.52
|
$5.65 | $6.55 |
26-40
|
$1.95
|
$2.33
|
$2.61
|
$2.88
|
$4.22
|
$4.89
|
$6.12 | $7.10 |
41-60
|
$2.25
|
$2.68
|
$3.00
|
$3.27
|
$4.41
|
$4.94
|
$7.55 | $8.78 |
61-64
|
$2.56
|
$3.27
|
$3.92
|
$4.22
|
$4.94
|
$5.78
|
$8.33 | $9.65 |
65-69
|
$3.15
|
$4.11
|
$4.96
|
$5.04
|
$6.24
|
$7.77
|
$9.71 | $11.27 |
70-74
|
$5.09
|
$6.64
|
$7.98
|
$8.77
|
$9.77
|
$12.78
|
$15.97 | $18.38 |
75-79 | $6.09 | $7.92 | $9.41 | $9.98 | $12.17 | $14.49 | $18.91 | $21.00 |
80-85 | $9.98 | N/A | $13.65 | $16.30 | $19.95 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | NA | N/A | N/A | N/A | N/A |
Rate Schedule # 2 - Daily Rates ($0 Deductible) | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age 86 and older: $500 deductible | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200.000 | $300,000 |
0-25 | $1.14 | $1.43 | $1.55 | $1.70 | $2.28 | $2.72 | $3.40 | $4.41 |
26-40 | $1.28 | $1.55 | $1.70 | $1.85 | $2.85 | $3.09 | $3.85 | $4.78 |
41-60 | $1.43 | $1.79 | $1.99 | $2.28 | $3.38 | $4.05 | $6.11 | $6.07 |
61-64 | $1.84 | $2.18 | $2.75 | $3.31 | $3.97 | $4.70 | $6.75 | $6.76 |
65-69 | $2.10 | $2.74 | $3.09 | $3.68 | $5.08 | $5.45 | $7.40 | $8.02 |
70-74 | $3.31 | $4.39 | $4.30 | $6.16 | $6.99 | $9.00 | $12.50 | $12.96 |
75-79 | $4.05 | $5.26 | $5.08 | $7.16 | $8.67 | $10.25 | $13.58 | $14.98 |
80-85 | $5.93 | $7.64 | $9.35 | $10.00 | $13.94 | $15.50 | $18.85 | N/A |
86+ | $9.13 | $12.00 | $14.30 | $16.40 | $22.30 | N/A | N/A | N/A |
Rate Schedule # 3 - Daily Rates ($100 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.70
|
$2.03
|
$2.26
|
$2.48
|
$3.58
|
$4.29
|
$5.37 | $6.22 |
26-40
|
$1.85
|
$2.21
|
$2.48
|
$2.74
|
$4.01
|
$4.65
|
$5.81 | $6.75 |
41-60
|
$2.14
|
$2.55
|
$2.85
|
$3.11
|
$4.19
|
$4.69
|
$7.17 | $8.34 |
61-64
|
$2.43
|
$3.11
|
$3.72
|
$4.01
|
$4.69
|
$5.49
|
$7.91 | $9.17 |
65-69
|
$2.99
|
$3.90
|
$4.71
|
$4.79
|
$5.93
|
$7.38
|
$9.22 | $10.71 |
70-74
|
$4.84
|
$6.31
|
$7.58
|
$8.33
|
$9.28
|
$12.14
|
$15.17 | $17.46 |
75-79
|
$5.79
|
$7.52
|
$8.94
|
$9.48
|
$11.56
|
$13.77
|
$17.96 | $19.95 |
80-85 | $9.48 | N/A | $12.97 | $15.49 | $18.95 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule # 4 - Daily Rates ($100 Deductible) |
||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300.000 |
0-25 | $1.08 | $1.36 | $1.47 | $1.62 | $2.17 | $2.58 | $3.23 | $4.19 |
26-40 | $1.22 | $1.47 | $1.62 | $1.76 | $2.71 | $2.94 | $3.66 | $4.54 |
41-60 | $1.36 | $1.70 | $1.89 | $2.17 | $3.21 | $3.85 | $5.80 | $5.77 |
61-64 | $1.75 | $2.07 | $2.61 | $3.14 | $3.77 | $4.47 | $6.41 | $6.42 |
65-69 | $2.00 | $2.60 | $2.94 | $3.50 | $4.83 | $5.18 | $7.03 | $7.62 |
70-74 | $3.14 | $4.17 | $4.09 | $5.85 | $6.64 | $8.55 | $11.88 | $12.31 |
75-79 | $3.85 | $5.00 | $4.83 | $6.80 | $8.24 | $9.74 | $12.90 | $14.23 |
80-85 | $5.63 | $7.26 | $8.88 | $9.50 | $13.24 | $14.73 | $17.91 | N/A |
86+ | N/A | N/A | N/A | N/A | N/A |
N/A
|
N/A | N/A |
Rate Schedule # 5 - Daily Rates ($500 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.52
|
$1.82
|
$2.02
|
$2.22
|
$3.20
|
$3.84
|
$4.80 | $5.57 |
26-40
|
$1.66
|
$1.98
|
$2.22
|
$2.45
|
$3.59
|
$4.16
|
$5.20 | $6.04 |
41-60
|
$1.91
|
$2.28
|
$2.55
|
$2.78
|
$3.75
|
$4.20
|
$6.42 | $7.46 |
61-64
|
$2.18
|
$2.78
|
$3.33
|
$3.59
|
$4.20
|
$4.91
|
$7.08 | $8.20 |
65-69
|
$2.68
|
$3.49
|
$4.22
|
$4.28
|
$5.30
|
$6.60
|
$8.25 | $9.58 |
70-74
|
$4.33
|
$5.64
|
$6.78
|
$7.45
|
$8.30
|
$10.86
|
$13.57 | $15.62 |
75-79
|
$5.18
|
$6.73
|
$8.00
|
$8.48
|
$10.34
|
$12.32
|
$16.07 | $17.85 |
80-85 | $8.48 | N/A | $11.60 | $13.86 | $16.96 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule # 6 - Daily Rates ($500 Deductible) |
||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300.000 |
0-25 | $0.97 | $1.22 | $1.32 | $1.45 | $1.94 | $2.31 | $2.89 | $3.75 |
26-40 | $1.09 | $1.32 | $1.45 | $1.57 | $2.42 | $2.63 | $3.27 | $4.06 |
41-60 | $1.22 | $1.52 | $1.69 | $1.94 | $2.87 | $3.44 | $5.19 | $5.16 |
61-64 | $1.56 | $1.85 | $2.34 | $2.81 | $3.37 | $4.00 | $5.74 | $5.75 |
65-69 | $1.79 | $2.33 | $2.63 | $3.13 | $4.32 | $4.63 | $6.29 | $6.82 |
70-74 | $2.81 | $3.73 | $3.66 | $5.24 | $5.94 | $7.65 | $10.63 | $11.02 |
75-79 | $3.44 | $4.47 | $4.32 | $6.09 | $7.37 | $8.71 | $11.54 | $12.73 |
80-85 | $5.04 | $6.49 | $7.95 | $8.50 | $11.85 | $13.18 | $16.02 | N/A |
86+ | $9.13 | $12.00 | $14.30 | $16.40 | $22.30 |
N/A
|
N/A | N/A |
Rate Schedule # 7 - Daily Rates ($1000 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.43
|
$1.71
|
$1.90
|
$2.09
|
$3.02
|
$3.62
|
$4.52 | $5.24 |
26-40
|
$1.56
|
$1.86
|
$2.09
|
$2.30
|
$3.38
|
$3.91
|
$4.90 | $5.68 |
41-60
|
$1.80
|
$2.14
|
$2.40
|
$2.62
|
$3.53
|
$3.95
|
$6.04 | $7.02 |
61-64
|
$2.05
|
$2.62
|
$3.14
|
$3.38
|
$3.95
|
$4.62
|
$6.66 | $7.72 |
65-69
|
$2.52
|
$3.29
|
$3.97
|
$4.03
|
$4.99
|
$6.22
|
$7.77 | $9.02 |
70-74
|
$4.07
|
$5.31
|
$6.38
|
$7.02
|
$7.82
|
$10.22
|
$12.78 | $14.70 |
75-79
|
$4.87
|
$6.34
|
$7.53
|
$7.98
|
$9.74
|
$11.59
|
$15.13 | $16.80 |
80-85 | $7.98 | N/A | $10.92 | $13.04 | $15.96 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule # 8 - Daily Rates ($1000 Deductible) | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300,000 |
0-25 | $0.91 | $1.14 | $1.24 | $1.36 | $1.82 | $2.18 | $2.72 | $3.53 |
26-40 | $1.02 | $1.24 | $1.36 | $1.48 | $2.28 | $2.47 | $3.08 | $3.82 |
41-60 | $1.14 | $1.43 | $1.59 | $1.82 | $2.70 | $3.24 | $4.89 | $4.86 |
61-64 | $1.47 | $1.74 | $2.20 | $2.65 | $3.18 | $3.76 | $5.40 | $5.41 |
65-69 | $1.68 | $2.19 | $2.47 | $2.94 | $4.06 | $4.36 | $5.92 | $6.42 |
70-74 | $2.65 | $3.51 | $3.44 | $4.93 | $5.59 | $7.20 | $10.00 | $10.37 |
75-79 | $3.24 | $4.21 | $4.06 | $5.73 | $6.94 | $8.20 | $10.86 | $11.98 |
80-85 | $4.74 | $6.11 | $7.48 | $8.00 | $11.15 | $12.40 | $15.08 | N/A |
86+ | $7.30 | $9.60 | $11.44 | $13.12 | $17.84 | N/A | N/A | N/A |
Rate Schedule #9 - Daily Rates $2500 Deductible | ||||||||
With stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300,000 |
0-25 | N/A | N/A | $1.67 | $2.09 | N/A | N/A | N/A | N/A |
26-40 | N/A | N/A | $1.83 | $2.30 | N/A | N/A | N/A | N/A |
41-60N | N/A | N/A | $2.10 | $2.62 | N/A | N/A | N/A | N/A |
61-64 | N/A | N/A | $2.74 | $3.38 | N/A | N/A | N/A | N/A |
65-69 | N/A | N/A | $3.47 | $4.03 | N/A | N/A | N/A | N/A |
70-74 | N/A | N/A | $5.59 | $7.02 | N/A | N/A | N/A | N/A |
75-79 | N/A | N/A | $6.59 | $7.98 | N/A | N/A | N/A | N/A |
80-85 | N/A | N/A | $9.56 | $13.04 | N/A | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule #10 - Daily Rates $2500 Deductible | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300,000 |
0-25 | N/A | N/A | $1.09 | $1.36 | N/A | N/A | N/A | N/A |
26-40 | N/A | N/A | $1.19 | $1.48 | N/A | N/A | N/A | N/A |
41-60 | N/A | N/A | $1.39 | $1.82 | N/A | N/A | N/A | N/A |
61-64 | N/A | N/A | $1.93 | $2.65 | N/A | N/A | N/A | N/A |
65-69 | N/A | N/A | $2.16 | $2.94 | N/A | N/A | N/A | N/A |
70-74 | N/A | N/A | $3.01 | $4.93 | N/A | N/A | N/A | N/A |
75-79 | N/A | N/A | $3.56 | $5.73 | N/A | N/A | N/A | N/A |
80-85 | N/A | N/A | $6.55 | $8.00 | N/A | N/A | N/A | N/A |
86+ | N/A | N/A | $10.01 | $13.12 | N/A | N/A | N/A | N/A |
Rate Schedule #11 - Daily Rates $3000 Deductible
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$ 10,000
|
$ 15,000
|
$ 25,000
|
$ 50,000
|
$ 100,000
|
$ 150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.25
|
$1.50
|
$1.67
|
$1.83
|
$2.64
|
$3.16
|
$3.96 | $4.59 |
26-40
|
$1.37
|
$1.63
|
$1.83
|
$2.02
|
$2.95
|
$3.42
|
$4.28 | $4.97 |
41-60
|
$1.58
|
$1.88
|
$2.10
|
$2.29
|
$3.09
|
$3.46
|
$5.29 | $6.15 |
61-64
|
$1.79
|
$2.29
|
$2.74
|
$2.95
|
$3.46
|
$4.05
|
$5.83 | $6.76 |
65-69
|
$2.21
|
$2.88
|
$3.47
|
$3.53
|
$4.37
|
$5.44
|
$6.80 | $7.89 |
70-74
|
$3.56
|
$4.65
|
$5.59
|
$6.14
|
$6.84
|
$8.95
|
$11.18 | $12.87 |
75-79
|
$4.26
|
$5.54
|
$6.59
|
$6.99
|
$8.52
|
$10.14
|
$13.24 | $14.70 |
80-85 | $6.98 | N/A | $9.56 | $11.41 | $13.97 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule #12 - Daily Rates ($3000 Deductible) | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $ 10,000 | $ 15,000 | $ 25,000 | $ 50,000 | $ 100,000 | $150,000 | $200,000 | $300,000 |
0-25 | $0.80 | $1.00 | $1.09 | $1.19 | $1.60 | $1.90 | $2.38 | $3.09 |
26-40 | $0.90 | $1.09 | $1.19 | $1.30 | $2.00 | $2.16 | $2.70 | $3.35 |
41-60 | $1.00 | $1.25 | $1.39 | $1.60 | $2.37 | $2.84 | $4.28 | $4.25 |
61-64 | $1.29 | $1.53 | $1.93 | $2.32 | $2.78 | $3.29 | $4.73 | $4.73 |
65-69 | $1.47 | $1.92 | $2.16 | $2.58 | $3.56 | $3.82 | $5.18 | $5.61 |
70-74 | $2.32 | $3.07 |
$3.01
|
$4.31 | $4.89 | $6.30 | $8.75 | $9.07 |
75-79 | $2.84 | $3.68 | $3.56 | $5.01 | $6.07 | $7.18 | $9.51 | $10.49 |
80-85 | $4.15 | $5.35 | $6.55 | $7.00 | $9.76 | $10.85 | $13.20 | N/A |
86+ | $6.39 | $8.40 | $10.01 | $11.48 | $15.61 | N/A | N/A | N/A |
保慢性病 $100,000 COVERAGE SUPER VISA
|
|||||
AGE
|
$0
|
$100
|
$500 |
$1,000
|
$3000(DEDUCTIBLE)
|
41-60
|
$1,609.65
|
$1,529.17
|
$1,368.02 |
$1,287.7
|
$1,126.76
|
61-64
|
$1,803.10
|
$1,712.95
|
$1,532.60 |
$1,442.5
|
$1,262.17
|
65-69
|
$2,277.60
|
$2,163.72
|
$1,936.00 |
$1,822.10
|
$1,594.32
|
70-74 | $3,566.05 | $3,387.75 | $3,031.1 | $2,852.80 | $2,496.24 |
75-79
|
$4,442.05
|
$4,219.95
|
$3,775.7 |
$3,553.60
|
$3,109.44
|
80-85
|
$7.281.75
|
$6,917.66
|
$6.189.5 |
$5,825.40
|
$5,097.23
|
不保慢性病 $100,000 COVERAGE SUPER VISA
|
|||||
Age
|
$0( deductible)
|
$100
|
$500 |
$1,000
|
$3000(DEDUCTIBLE
|
41-60 | $1,233.70 | $1,172.02 | $1,048.65 | $986.96 | $863.59 |
61-64 | $1,449.05 | $1,376.60 | $1,232.69 | $1,159.24 | $1,014.34 |
65-69 | $1,854.20 | $1,761.49 | $1,576.07 | $1,483.36 | $1,297.94 |
70-74
|
$2,551.35
|
$2,423.78
|
$2,168.65 |
$2,041.08
|
$1,785.95
|
75-79
|
$3,164.55
|
$3,006.32
|
$2,689.87 |
$2,531.64
|
$2,215.19
|
80-85
|
$5,088.10
|
$4,833.70
|
$4,324.89 |
$4,070.48
|
$3,561.67
|
86+
|
$8139.50
|
$7,732.53
|
$6,918.58 | $6,511.60 | $5,697.65 |
方法2. 您不需要亲自上门购买,隻需準备以下资料email([email protected]/ [email protected])或打电话(416-834-9204; 905-771-8288;604-637-2195;1-877-834-9204)告诉我,当天你立即就可以收到电子购买确认书( Confirmation of insurance ),保险卡,保单,理陪申请表格即日寄给您。
方法3.如果您觉得见面放心并需要更详细了解,我们可以电话里约一个时间(make an appointment),见面我再给您详细解释.
A. 所需资料:
1.受保人的姓名(拼音),性别,出生年,月,日;
2.入境加拿大的日期或生效期 ;
3.所选计划(哪个公司,保额为多少, 有无垫底费) ;
4.购买保险天数 (或告诉保险起始日期和结束日期, 保险公司会自动计算天数) ;
5.保险受益人( For AD&D-可以是父母, 兄弟姐妹等)
6.加拿大的详细联系地址(主要用来收保险材料)和联系电话,以及email地址;
B. 付款方式:信用卡/支票/现金/银行转帐。
温馨友情提醒:(提前联系,或许您有意向不到的节省)
投保日期有限制吗, 一次买多少保险额最合适?
◦没有,保费是按天计算的,但是每张保单最低保费为$25元.如果探亲老人年龄较大,甚至有慢性病,最好买时间长点,半年或一年,和保额更大些,2.5万或5万。保费通常与受保人的年龄和所购买保险额度及购买天数有关,一般来说,年龄越低,额度越小保费越便宜,相反,年龄越高,保额越大,则保费相对贵一些。在这里请特别注意一点。购买旅游保险 JF Premier Visitor-ETFS 计划的保费是按照申请日的年龄而不是生效日的年龄来计算. 提前购买会为自己节省许多保费。另外对跨年龄段的受保人,在买保险时一定要考虑续保时由于年龄上一个台阶,保费会增加不少,所以更要考虑买长久一点。比如说,年龄从60到61,64到65,69到70,74到75 等等。
例如:David为父亲购买一份$ 50,000保额的保单。他父亲于八月一号来加拿大,他父亲有稳定慢性病,他在七月十三号就过70岁生日,而David在七月一号为父亲购买了此保单。因ETFS公司JF PREMIER 计算的保费是按申请日的年龄计算保费。David 父亲计算保费的年龄为69岁(69岁以下稳定慢性病自动受保而不需要再多交钱)。70岁老人180天50000保额(保慢性病)保费 为 $1377 加元($ 7.65 x 180 天) ,而69岁老人180天保费 为 $ 851.40 加元($ 4.73 x 180 天)。David 因为提前购买,节省了$ 525.60 ($ 1377- $ 851.4)。
住院或手术病人赔偿程序:(特指JFVTC)
1. 受保人应当使用附近医院服务。在受保人出示了JFVTCID后,医院人员或者受保人必须尽快(不超过48 小时内)于保险公司联系来确认保险金额并开始理赔。保险公司会立刻给于理赔号码(Claims #)。医院通常会直接将账单寄往本保险公司。。
2. 如果已付费,请将以填写好并签字了的理赔表格(要确认已签字),及所有有关住院账单(如果有的话)正本(ORGINAL BILLS)和/或原始付款收据(PAYMENT RECEIPTS)一起寄往公司
Global Excel Management Inc.
73 Queen, Sherbrooke, QC J1M 0C9
3. 住院时,本医院的授权同意书也必须签字一同寄往保险公司。
门诊病人理赔程序:(特指JFVTC)
1. 受保人应当到就近诊所或家庭医生或医院门诊求医。离开诊所前,受保人应尽量向医生或诊所索取有关的医师报告(Copy of the Doctor’s Physician’s Report)或当日病例记录(Medical Record of the Visit)。如需要进行重大检查程序(Major Tests Procedures, Ultra -Sound, MRI, CT etc),受保人必须先致电保险公司(ETFS(RSA)/Global Excel)咨询,获得同意后方可进行检查。如自行决定进行重大检查,保险公司有权不支付所有有关医疗费用。如医生要求做常规检查(抽血,化验,x-ray)则不需要先通知保险公司。
2. 如受保人要先行支付医疗费用,必须取回所有看病正本收据(ORGINAL RECEIPTS)及处方药原始收据(Pharmacy Receipt For Prescription Drugs)。ETFS(RSA) 公司不支付任何非处方药费。
3. 受保人必须签同意书(CONSENT FORM), 授权与代理保险公司查询有关理赔程序。
如遇到紧急情况,请立刻致电联系ETFS(RSA)/Global Excel: 1-800-715-8833.
4. 请将以填写好并签字了的理赔表格(要确认已签字),及所有有关账单正本(ORGINAL BILLS)和/或原始付款收据(PAYMENT RECEIPTS)和同意书一起寄往公司:
Global Excel Management Inc.
73 Queen, Sherbrooke, QC J1M 0C9
JFVTC的文档下载如下:
以下是拿大住院每天的费用,加年大主要医院收费标准(包括床位,护理,诊断,等用不含手术, 输液, 药费等)
加拿大医院住院每天的费用如下:
医院名称
|
Emergency Room
|
Daily Ward
|
Intensive Care
|
Toronto General Hospital ON |
$ 250
|
$ 3070
|
$ 3600
|
Toronto Hospital for Sick Children |
$ 305
|
$ 2600
|
$ 3300
|
Vancouver General Hospital , BC |
$ 205
|
$ 1776
|
$ 1795
|
Ottawa Civic Hospital |
$ 255
|
$ 1464
|
$ 1765 |
Montreal Childrens Hospital |
$ 355
|
$ 2832
|
$ 3050
|
Montreal Royal Victoria Hospital |
$ 300
|
$ 1962
|
$ 1962
|
Halifax Victoria Hospital
|
$ 275
|
$ 2162
|
$ 2500
|
Calgary Foothills Hospital ON |
$ 250
|
$ 2058
|
$ 5000
|
Credit Valley Hospital ON
|
$ 275
|
$ 2000
|
$ 2555
|
McGill UniversityHealth Centre , QC |
$ 459
|
$ 3495
|
$ 3495
|
Regina GeneralHospital , SA |
$ 250
|
$ 1570
|
$ 1570
|
North York General Hospital |
$ 350
|
N/A | N/A |
申请人必须:
根据您的需求可选择以下不同的加元保险金额:
垫底费选择
无垫底费 : 年龄85 或以下
$50 垫底费 : 给予5%保费返还
最长受保时间: 365天,如果需要购买超过一年,可以到期后再买一个新的保险单。
最低保额: $25 CAD 每保单
家庭计划
按最大家庭成员年龄的每日保费的两倍计算. 子女年龄必需在21岁或以下.家庭计划适合两个大人带小孩或者一个大人带两个或多个小孩。
购买家庭计划,其价格比单独购买要便宜或优惠,因为家庭移民通常会带一个或几个未成年小孩。其价格是按最年长的价格2倍来计算。新移民到安省需要等候三个月方可拿到健康卡。
例如:刘先生(39岁)和太太(37岁)还有一个6岁以下的孩子全家新移民于11月2日定居Toronto。因安省三个月后OHIP才生效。一份新移民等候OHIP的医疗保险是不可少的。刘先生选择购买RSA公司 JF Premier家庭计划。 刘先生(最年长)$25,000 保额每天的保费为$2.50,选择家庭计划的保费为: $ 460($ 2.50 x 2倍x 92天)。如此刘先生一家三口每人都有各$25,000加元的保额。比买个体计划:($ 2.50 x 2x 92天+$2.27 x 92天)=$668.84节省了$208.84. 即节省了小孩的费用.
受保全球旅游
您须在加拿大停留整个保险期的51%的时间,但不包括返回您的居住国
可保已经存在的但稳定的慢性病
已有的慢性病如在本保险生效日前120天内稳定,即自动受保
生病等待期
如果保险在您到达加拿大之前即购买,则无“等待期”。
如果保险是在您抵达加拿大后购买,已有的慢性病如在本保险生效日前120天内稳定,69岁以下自动受保或70岁以上您购买了保稳定慢性病选项则受保。
退款
如果您在保险生效日之前申请退款可获得全额退款
剩余部分退款
如果你返回原居地,须在无索赔情况下或已经发生了医疗费用但不打算申请索赔,提供证明返回文件(例如:回程机票)
退款申请须在保险到期日后的90天内提出
每保单将收取$40退款手续费
无退款
如果索赔已经或即将递交
如果剩余款低于$10
住院费用
|
包括医院内外治疗的所有合理及常规费用
|
医生费用
|
医生治疗费用
|
诊断费用
|
包括x-ray,实验室检查费等合理及常规费用
|
救护车服务
|
当有合理需要时,有牌救护车送往附近医院
|
处方药费用
|
每次处方药最高达$500,限制30天的药量
|
医疗用具
|
石膏,夹板,疝气带, 支架, 拐杖, 轮椅租用及其他小型医疗用具
|
辅助专科医师
|
手足科医师,脊椎治疗师,骨科医师,物理治疗师或足科医师,每专科医师最高达 $500。
|
针灸
|
最高达$500, 必须购买一年保单
|
牙科因意外受损
|
最高达$3,000
|
紧急牙症
|
最高达$500加元
|
航空意外
|
最高可达受保金额
|
送返治疗
|
由Global Excel事先批准
|
遗体送返
|
最高达$10,000
|
Rate Schedule # 1 - Daily Rates ($0 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200.000 | $300.000 |
Up to 25
|
$1.79
|
$2.14
|
$2.38
|
$2.61
|
$3.77
|
$4.52
|
$5.65 | $6.55 |
26-40
|
$1.95
|
$2.33
|
$2.61
|
$2.88
|
$4.22
|
$4.89
|
$6.12 | $7.10 |
41-60
|
$2.25
|
$2.68
|
$3.00
|
$3.27
|
$4.41
|
$4.94
|
$7.55 | $8.78 |
61-64
|
$2.56
|
$3.27
|
$3.92
|
$4.22
|
$4.94
|
$5.78
|
$8.33 | $9.65 |
65-69
|
$3.15
|
$4.11
|
$4.96
|
$5.04
|
$6.24
|
$7.77
|
$9.71 | $11.27 |
70-74
|
$5.09
|
$6.64
|
$7.98
|
$8.77
|
$9.77
|
$12.78
|
$15.97 | $18.38 |
75-79 | $6.09 | $7.92 | $9.41 | $9.98 | $12.17 | $14.49 | $18.91 | $21.00 |
80-85 | $9.98 | N/A | $13.65 | $16.30 | $19.95 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | NA | N/A | N/A | N/A | N/A |
Rate Schedule # 2 - Daily Rates ($0 Deductible) | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age 86 and older: $500 deductible | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200.000 | $300,000 |
0-25 | $1.14 | $1.43 | $1.55 | $1.70 | $2.28 | $2.72 | $3.40 | $4.41 |
26-40 | $1.28 | $1.55 | $1.70 | $1.85 | $2.85 | $3.09 | $3.85 | $4.78 |
41-60 | $1.43 | $1.79 | $1.99 | $2.28 | $3.38 | $4.05 | $6.11 | $6.07 |
61-64 | $1.84 | $2.18 | $2.75 | $3.31 | $3.97 | $4.70 | $6.75 | $6.76 |
65-69 | $2.10 | $2.74 | $3.09 | $3.68 | $5.08 | $5.45 | $7.40 | $8.02 |
70-74 | $3.31 | $4.39 | $4.30 | $6.16 | $6.99 | $9.00 | $12.50 | $12.96 |
75-79 | $4.05 | $5.26 | $5.08 | $7.16 | $8.67 | $10.25 | $13.58 | $14.98 |
80-85 | $5.93 | $7.64 | $9.35 | $10.00 | $13.94 | $15.50 | $18.85 | N/A |
86+ | $9.13 | $12.00 | $14.30 | $16.40 | $22.30 | N/A | N/A | N/A |
Rate Schedule # 3 - Daily Rates ($100 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.70
|
$2.03
|
$2.26
|
$2.48
|
$3.58
|
$4.29
|
$5.37 | $6.22 |
26-40
|
$1.85
|
$2.21
|
$2.48
|
$2.74
|
$4.01
|
$4.65
|
$5.81 | $6.75 |
41-60
|
$2.14
|
$2.55
|
$2.85
|
$3.11
|
$4.19
|
$4.69
|
$7.17 | $8.34 |
61-64
|
$2.43
|
$3.11
|
$3.72
|
$4.01
|
$4.69
|
$5.49
|
$7.91 | $9.17 |
65-69
|
$2.99
|
$3.90
|
$4.71
|
$4.79
|
$5.93
|
$7.38
|
$9.22 | $10.71 |
70-74
|
$4.84
|
$6.31
|
$7.58
|
$8.33
|
$9.28
|
$12.14
|
$15.17 | $17.46 |
75-79
|
$5.79
|
$7.52
|
$8.94
|
$9.48
|
$11.56
|
$13.77
|
$17.96 | $19.95 |
80-85 | $9.48 | N/A | $12.97 | $15.49 | $18.95 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule # 4 - Daily Rates ($100 Deductible) |
||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300.000 |
0-25 | $1.08 | $1.36 | $1.47 | $1.62 | $2.17 | $2.58 | $3.23 | $4.19 |
26-40 | $1.22 | $1.47 | $1.62 | $1.76 | $2.71 | $2.94 | $3.66 | $4.54 |
41-60 | $1.36 | $1.70 | $1.89 | $2.17 | $3.21 | $3.85 | $5.80 | $5.77 |
61-64 | $1.75 | $2.07 | $2.61 | $3.14 | $3.77 | $4.47 | $6.41 | $6.42 |
65-69 | $2.00 | $2.60 | $2.94 | $3.50 | $4.83 | $5.18 | $7.03 | $7.62 |
70-74 | $3.14 | $4.17 | $4.09 | $5.85 | $6.64 | $8.55 | $11.88 | $12.31 |
75-79 | $3.85 | $5.00 | $4.83 | $6.80 | $8.24 | $9.74 | $12.90 | $14.23 |
80-85 | $5.63 | $7.26 | $8.88 | $9.50 | $13.24 | $14.73 | $17.91 | N/A |
86+ | N/A | N/A | N/A | N/A | N/A |
N/A
|
N/A | N/A |
Rate Schedule # 5 - Daily Rates ($500 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.52
|
$1.82
|
$2.02
|
$2.22
|
$3.20
|
$3.84
|
$4.80 | $5.57 |
26-40
|
$1.66
|
$1.98
|
$2.22
|
$2.45
|
$3.59
|
$4.16
|
$5.20 | $6.04 |
41-60
|
$1.91
|
$2.28
|
$2.55
|
$2.78
|
$3.75
|
$4.20
|
$6.42 | $7.46 |
61-64
|
$2.18
|
$2.78
|
$3.33
|
$3.59
|
$4.20
|
$4.91
|
$7.08 | $8.20 |
65-69
|
$2.68
|
$3.49
|
$4.22
|
$4.28
|
$5.30
|
$6.60
|
$8.25 | $9.58 |
70-74
|
$4.33
|
$5.64
|
$6.78
|
$7.45
|
$8.30
|
$10.86
|
$13.57 | $15.62 |
75-79
|
$5.18
|
$6.73
|
$8.00
|
$8.48
|
$10.34
|
$12.32
|
$16.07 | $17.85 |
80-85 | $8.48 | N/A | $11.60 | $13.86 | $16.96 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule # 6 - Daily Rates ($500 Deductible) |
||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300.000 |
0-25 | $0.97 | $1.22 | $1.32 | $1.45 | $1.94 | $2.31 | $2.89 | $3.75 |
26-40 | $1.09 | $1.32 | $1.45 | $1.57 | $2.42 | $2.63 | $3.27 | $4.06 |
41-60 | $1.22 | $1.52 | $1.69 | $1.94 | $2.87 | $3.44 | $5.19 | $5.16 |
61-64 | $1.56 | $1.85 | $2.34 | $2.81 | $3.37 | $4.00 | $5.74 | $5.75 |
65-69 | $1.79 | $2.33 | $2.63 | $3.13 | $4.32 | $4.63 | $6.29 | $6.82 |
70-74 | $2.81 | $3.73 | $3.66 | $5.24 | $5.94 | $7.65 | $10.63 | $11.02 |
75-79 | $3.44 | $4.47 | $4.32 | $6.09 | $7.37 | $8.71 | $11.54 | $12.73 |
80-85 | $5.04 | $6.49 | $7.95 | $8.50 | $11.85 | $13.18 | $16.02 | N/A |
86+ | $9.13 | $12.00 | $14.30 | $16.40 | $22.30 |
N/A
|
N/A | N/A |
Rate Schedule # 7 - Daily Rates ($1000 Deductible)
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$10,000
|
$15,000
|
$25,000
|
$50,000
|
$100,000
|
$150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.43
|
$1.71
|
$1.90
|
$2.09
|
$3.02
|
$3.62
|
$4.52 | $5.24 |
26-40
|
$1.56
|
$1.86
|
$2.09
|
$2.30
|
$3.38
|
$3.91
|
$4.90 | $5.68 |
41-60
|
$1.80
|
$2.14
|
$2.40
|
$2.62
|
$3.53
|
$3.95
|
$6.04 | $7.02 |
61-64
|
$2.05
|
$2.62
|
$3.14
|
$3.38
|
$3.95
|
$4.62
|
$6.66 | $7.72 |
65-69
|
$2.52
|
$3.29
|
$3.97
|
$4.03
|
$4.99
|
$6.22
|
$7.77 | $9.02 |
70-74
|
$4.07
|
$5.31
|
$6.38
|
$7.02
|
$7.82
|
$10.22
|
$12.78 | $14.70 |
75-79
|
$4.87
|
$6.34
|
$7.53
|
$7.98
|
$9.74
|
$11.59
|
$15.13 | $16.80 |
80-85 | $7.98 | N/A | $10.92 | $13.04 | $15.96 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule # 8 - Daily Rates ($1000 Deductible) | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300,000 |
0-25 | $0.91 | $1.14 | $1.24 | $1.36 | $1.82 | $2.18 | $2.72 | $3.53 |
26-40 | $1.02 | $1.24 | $1.36 | $1.48 | $2.28 | $2.47 | $3.08 | $3.82 |
41-60 | $1.14 | $1.43 | $1.59 | $1.82 | $2.70 | $3.24 | $4.89 | $4.86 |
61-64 | $1.47 | $1.74 | $2.20 | $2.65 | $3.18 | $3.76 | $5.40 | $5.41 |
65-69 | $1.68 | $2.19 | $2.47 | $2.94 | $4.06 | $4.36 | $5.92 | $6.42 |
70-74 | $2.65 | $3.51 | $3.44 | $4.93 | $5.59 | $7.20 | $10.00 | $10.37 |
75-79 | $3.24 | $4.21 | $4.06 | $5.73 | $6.94 | $8.20 | $10.86 | $11.98 |
80-85 | $4.74 | $6.11 | $7.48 | $8.00 | $11.15 | $12.40 | $15.08 | N/A |
86+ | $7.30 | $9.60 | $11.44 | $13.12 | $17.84 | N/A | N/A | N/A |
Rate Schedule #9 - Daily Rates $2500 Deductible | ||||||||
With stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300,000 |
0-25 | N/A | N/A | $1.67 | $2.09 | N/A | N/A | N/A | N/A |
26-40 | N/A | N/A | $1.83 | $2.30 | N/A | N/A | N/A | N/A |
41-60N | N/A | N/A | $2.10 | $2.62 | N/A | N/A | N/A | N/A |
61-64 | N/A | N/A | $2.74 | $3.38 | N/A | N/A | N/A | N/A |
65-69 | N/A | N/A | $3.47 | $4.03 | N/A | N/A | N/A | N/A |
70-74 | N/A | N/A | $5.59 | $7.02 | N/A | N/A | N/A | N/A |
75-79 | N/A | N/A | $6.59 | $7.98 | N/A | N/A | N/A | N/A |
80-85 | N/A | N/A | $9.56 | $13.04 | N/A | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule #10 - Daily Rates $2500 Deductible | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $10,000 | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 | $200,000 | $300,000 |
0-25 | N/A | N/A | $1.09 | $1.36 | N/A | N/A | N/A | N/A |
26-40 | N/A | N/A | $1.19 | $1.48 | N/A | N/A | N/A | N/A |
41-60 | N/A | N/A | $1.39 | $1.82 | N/A | N/A | N/A | N/A |
61-64 | N/A | N/A | $1.93 | $2.65 | N/A | N/A | N/A | N/A |
65-69 | N/A | N/A | $2.16 | $2.94 | N/A | N/A | N/A | N/A |
70-74 | N/A | N/A | $3.01 | $4.93 | N/A | N/A | N/A | N/A |
75-79 | N/A | N/A | $3.56 | $5.73 | N/A | N/A | N/A | N/A |
80-85 | N/A | N/A | $6.55 | $8.00 | N/A | N/A | N/A | N/A |
86+ | N/A | N/A | $10.01 | $13.12 | N/A | N/A | N/A | N/A |
Rate Schedule #11 - Daily Rates $3000 Deductible
|
||||||||
With stable pre-existing medical condition coverage option
|
||||||||
Age
|
$ 10,000
|
$ 15,000
|
$ 25,000
|
$ 50,000
|
$ 100,000
|
$ 150,000
|
$200,000 | $300,000 |
Up to 25
|
$1.25
|
$1.50
|
$1.67
|
$1.83
|
$2.64
|
$3.16
|
$3.96 | $4.59 |
26-40
|
$1.37
|
$1.63
|
$1.83
|
$2.02
|
$2.95
|
$3.42
|
$4.28 | $4.97 |
41-60
|
$1.58
|
$1.88
|
$2.10
|
$2.29
|
$3.09
|
$3.46
|
$5.29 | $6.15 |
61-64
|
$1.79
|
$2.29
|
$2.74
|
$2.95
|
$3.46
|
$4.05
|
$5.83 | $6.76 |
65-69
|
$2.21
|
$2.88
|
$3.47
|
$3.53
|
$4.37
|
$5.44
|
$6.80 | $7.89 |
70-74
|
$3.56
|
$4.65
|
$5.59
|
$6.14
|
$6.84
|
$8.95
|
$11.18 | $12.87 |
75-79
|
$4.26
|
$5.54
|
$6.59
|
$6.99
|
$8.52
|
$10.14
|
$13.24 | $14.70 |
80-85 | $6.98 | N/A | $9.56 | $11.41 | $13.97 | N/A | N/A | N/A |
86+ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Rate Schedule #12 - Daily Rates ($3000 Deductible) | ||||||||
Without stable pre-existing medical condition coverage option | ||||||||
Age | $ 10,000 | $ 15,000 | $ 25,000 | $ 50,000 | $ 100,000 | $150,000 | $200,000 | $300,000 |
0-25 | $0.80 | $1.00 | $1.09 | $1.19 | $1.60 | $1.90 | $2.38 | $3.09 |
26-40 | $0.90 | $1.09 | $1.19 | $1.30 | $2.00 | $2.16 | $2.70 | $3.35 |
41-60 | $1.00 | $1.25 | $1.39 | $1.60 | $2.37 | $2.84 | $4.28 | $4.25 |
61-64 | $1.29 | $1.53 | $1.93 | $2.32 | $2.78 | $3.29 | $4.73 | $4.73 |
65-69 | $1.47 | $1.92 | $2.16 | $2.58 | $3.56 | $3.82 | $5.18 | $5.61 |
70-74 | $2.32 | $3.07 |
$3.01
|
$4.31 | $4.89 | $6.30 | $8.75 | $9.07 |
75-79 | $2.84 | $3.68 | $3.56 | $5.01 | $6.07 | $7.18 | $9.51 | $10.49 |
80-85 | $4.15 | $5.35 | $6.55 | $7.00 | $9.76 | $10.85 | $13.20 | N/A |
86+ | $6.39 | $8.40 | $10.01 | $11.48 | $15.61 | N/A | N/A | N/A |
保慢性病 $100,000 COVERAGE SUPER VISA
|
|||||
AGE
|
$0
|
$100
|
$500 |
$1,000
|
$3000(DEDUCTIBLE)
|
41-60
|
$1,609.65
|
$1,529.17
|
$1,368.02 |
$1,287.7
|
$1,126.76
|
61-64
|
$1,803.10
|
$1,712.95
|
$1,532.60 |
$1,442.5
|
$1,262.17
|
65-69
|
$2,277.60
|
$2,163.72
|
$1,936.00 |
$1,822.10
|
$1,594.32
|
70-74 | $3,566.05 | $3,387.75 | $3,031.1 | $2,852.80 | $2,496.24 |
75-79
|
$4,442.05
|
$4,219.95
|
$3,775.7 |
$3,553.60
|
$3,109.44
|
80-85
|
$7.281.75
|
$6,917.66
|
$6.189.5 |
$5,825.40
|
$5,097.23
|
不保慢性病 $100,000 COVERAGE SUPER VISA
|
|||||
Age
|
$0( deductible)
|
$100
|
$500 |
$1,000
|
$3000(DEDUCTIBLE
|
41-60 | $1,233.70 | $1,172.02 | $1,048.65 | $986.96 | $863.59 |
61-64 | $1,449.05 | $1,376.60 | $1,232.69 | $1,159.24 | $1,014.34 |
65-69 | $1,854.20 | $1,761.49 | $1,576.07 | $1,483.36 | $1,297.94 |
70-74
|
$2,551.35
|
$2,423.78
|
$2,168.65 |
$2,041.08
|
$1,785.95
|
75-79
|
$3,164.55
|
$3,006.32
|
$2,689.87 |
$2,531.64
|
$2,215.19
|
80-85
|
$5,088.10
|
$4,833.70
|
$4,324.89 |
$4,070.48
|
$3,561.67
|
86+
|
$8139.50
|
$7,732.53
|
$6,918.58 | $6,511.60 | $5,697.65 |
方法2. 您不需要亲自上门购买,隻需準备以下资料email([email protected]/ [email protected])或打电话(416-834-9204; 905-771-8288;604-637-2195;1-877-834-9204)告诉我,当天你立即就可以收到电子购买确认书( Confirmation of insurance ),保险卡,保单,理陪申请表格即日寄给您。
方法3.如果您觉得见面放心并需要更详细了解,我们可以电话里约一个时间(make an appointment),见面我再给您详细解释.
A. 所需资料:
1.受保人的姓名(拼音),性别,出生年,月,日;
2.入境加拿大的日期或生效期 ;
3.所选计划(哪个公司,保额为多少, 有无垫底费) ;
4.购买保险天数 (或告诉保险起始日期和结束日期, 保险公司会自动计算天数) ;
5.保险受益人( For AD&D-可以是父母, 兄弟姐妹等)
6.加拿大的详细联系地址(主要用来收保险材料)和联系电话,以及email地址;
B. 付款方式:信用卡/支票/现金/银行转帐。
温馨友情提醒:(提前联系,或许您有意向不到的节省)
投保日期有限制吗, 一次买多少保险额最合适?
◦没有,保费是按天计算的,但是每张保单最低保费为$25元.如果探亲老人年龄较大,甚至有慢性病,最好买时间长点,半年或一年,和保额更大些,2.5万或5万。保费通常与受保人的年龄和所购买保险额度及购买天数有关,一般来说,年龄越低,额度越小保费越便宜,相反,年龄越高,保额越大,则保费相对贵一些。在这里请特别注意一点。购买旅游保险 JF Premier Visitor-ETFS 计划的保费是按照申请日的年龄而不是生效日的年龄来计算. 提前购买会为自己节省许多保费。另外对跨年龄段的受保人,在买保险时一定要考虑续保时由于年龄上一个台阶,保费会增加不少,所以更要考虑买长久一点。比如说,年龄从60到61,64到65,69到70,74到75 等等。
例如:David为父亲购买一份$ 50,000保额的保单。他父亲于八月一号来加拿大,他父亲有稳定慢性病,他在七月十三号就过70岁生日,而David在七月一号为父亲购买了此保单。因ETFS公司JF PREMIER 计算的保费是按申请日的年龄计算保费。David 父亲计算保费的年龄为69岁(69岁以下稳定慢性病自动受保而不需要再多交钱)。70岁老人180天50000保额(保慢性病)保费 为 $1377 加元($ 7.65 x 180 天) ,而69岁老人180天保费 为 $ 851.40 加元($ 4.73 x 180 天)。David 因为提前购买,节省了$ 525.60 ($ 1377- $ 851.4)。
住院或手术病人赔偿程序:(特指JFVTC)
1. 受保人应当使用附近医院服务。在受保人出示了JFVTCID后,医院人员或者受保人必须尽快(不超过48 小时内)于保险公司联系来确认保险金额并开始理赔。保险公司会立刻给于理赔号码(Claims #)。医院通常会直接将账单寄往本保险公司。。
2. 如果已付费,请将以填写好并签字了的理赔表格(要确认已签字),及所有有关住院账单(如果有的话)正本(ORGINAL BILLS)和/或原始付款收据(PAYMENT RECEIPTS)一起寄往公司
Global Excel Management Inc.
73 Queen, Sherbrooke, QC J1M 0C9
3. 住院时,本医院的授权同意书也必须签字一同寄往保险公司。
门诊病人理赔程序:(特指JFVTC)
1. 受保人应当到就近诊所或家庭医生或医院门诊求医。离开诊所前,受保人应尽量向医生或诊所索取有关的医师报告(Copy of the Doctor’s Physician’s Report)或当日病例记录(Medical Record of the Visit)。如需要进行重大检查程序(Major Tests Procedures, Ultra -Sound, MRI, CT etc),受保人必须先致电保险公司(ETFS(RSA)/Global Excel)咨询,获得同意后方可进行检查。如自行决定进行重大检查,保险公司有权不支付所有有关医疗费用。如医生要求做常规检查(抽血,化验,x-ray)则不需要先通知保险公司。
2. 如受保人要先行支付医疗费用,必须取回所有看病正本收据(ORGINAL RECEIPTS)及处方药原始收据(Pharmacy Receipt For Prescription Drugs)。ETFS(RSA) 公司不支付任何非处方药费。
3. 受保人必须签同意书(CONSENT FORM), 授权与代理保险公司查询有关理赔程序。
如遇到紧急情况,请立刻致电联系ETFS(RSA)/Global Excel: 1-800-715-8833.
4. 请将以填写好并签字了的理赔表格(要确认已签字),及所有有关账单正本(ORGINAL BILLS)和/或原始付款收据(PAYMENT RECEIPTS)和同意书一起寄往公司:
Global Excel Management Inc.
73 Queen, Sherbrooke, QC J1M 0C9
JFVTC的文档下载如下:
以下是拿大住院每天的费用,加年大主要医院收费标准(包括床位,护理,诊断,等用不含手术, 输液, 药费等)
加拿大医院住院每天的费用如下:
医院名称
|
Emergency Room
|
Daily Ward
|
Intensive Care
|
Toronto General Hospital ON |
$ 250
|
$ 3070
|
$ 3600
|
Toronto Hospital for Sick Children |
$ 305
|
$ 2600
|
$ 3300
|
Vancouver General Hospital , BC |
$ 205
|
$ 1776
|
$ 1795
|
Ottawa Civic Hospital |
$ 255
|
$ 1464
|
$ 1765 |
Montreal Childrens Hospital |
$ 355
|
$ 2832
|
$ 3050
|
Montreal Royal Victoria Hospital |
$ 300
|
$ 1962
|
$ 1962
|
Halifax Victoria Hospital
|
$ 275
|
$ 2162
|
$ 2500
|
Calgary Foothills Hospital ON |
$ 250
|
$ 2058
|
$ 5000
|
Credit Valley Hospital ON
|
$ 275
|
$ 2000
|
$ 2555
|
McGill UniversityHealth Centre , QC |
$ 459
|
$ 3495
|
$ 3495
|
Regina GeneralHospital , SA |
$ 250
|
$ 1570
|
$ 1570
|
North York General Hospital |
$ 350
|
N/A | N/A |
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Email:
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