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</noscript></div> </div> <div><div class="wsite-multicol"><div class="wsite-multicol-table-wrap" style="margin:0 -15px;"> <table class="wsite-multicol-table"> <tbody class="wsite-multicol-tbody"> <tr class="wsite-multicol-tr"> <td class="wsite-multicol-col" style="width:19.965%; padding:0 15px;"> <h2 class="wsite-content-title" style="text-align:center;"><a href="/">腾虎节税专家</a><br /><a href="/331503438220154235512044538505.html">腾虎人寿保险</a><br /><a href="/">腾虎投资理财</a><br /><a href="/331503438225945329462252237329.html">腾虎教育基金</a><br /><a href="/20813361532167235810.html">免费立即试算</a></h2> <div><div style="height: 20px; overflow: hidden; width: 100%;"></div> <hr class="styled-hr" style="width:100%;"></hr> <div style="height: 20px; overflow: hidden; width: 100%;"></div></div> <h2 class="wsite-content-title" style="text-align:center;"><a href="/">财务规划进程</a><br /><a href="/259453294622522373292241124405.html">教育基金型录</a><br /></h2> <div><div style="height: 20px; overflow: hidden; width: 100%;"></div> <hr class="styled-hr" style="width:100%;"></hr> <div style="height: 20px; overflow: hidden; width: 100%;"></div></div> </td> <td class="wsite-multicol-col" style="width:79.035%; padding:0 15px;"> <div><div style="text-align: center;"><a><img src="/uploads/8/2/2/6/8226696/____3988529.jpg?631" style="margin-top: 10px; margin-bottom: 10px; margin-left: 10px; margin-right: 10px; border-width:1px;padding:3px;" alt="Picture" class="galleryImageBorder" /></a><div style="display: block; font-size: 90%; margin-top: -10px; margin-bottom: 10px;"></div></div></div> <h2 class="wsite-content-title" style="text-align:left;">旅游保险</h2> <div class="paragraph" style="text-align:left;">医疗数据显示:加拿大住院费平均每天$2,000 - $3,000. 旅游保险给全家一个安心的保障. 特别是有慢性病的老人更有必要购买。加拿大的医疗费用极其昂贵, 而且很多医院对没有省政府的医疗计划(在安省即OHIP计划)人士另收附加费,因此如果没有购买紧急住院及医疗保险,你和你的家人可能将承受沉重的经济负担.转移因紧急疾病和以外伤害以及住院手术等所带来的风险,是探亲旅游保险的最主要功能和目的.<br /><br />客户常提的问题:<br />什么人士需要探亲旅游保险?</u><br />简单来讲,所有进入加拿大而没有或暂时没有省政府医疗计划的人士都需要保障.如探亲的父母及亲友,来加考察或旅游的人士,留学生以及第一次登陆还未住满三个月的移民.<br /><br />买旅游保险需要检查身体吗?<br /></u>不需要,只要你买保险的目的是预防万一而不是来加”看病”或”检查身体”,就可以购买.个别公司对高龄人士有特别要求.<br /><br />以前有的病也可以受到保障吗?</u><br />是的,可以受到保障. 只是不同的公司有不同的条件.比如说年龄的限制。<br /><br />旅游保险包括的内容？</u><br />医生诊治，标准病房开支，门诊开支，私人护理/持牌护理人员上门护理，手足病医师，正骨师，整骨师，物力治疗师或足疾师治疗费用，入院期间的诊疗开支，紧急运输（救护车），处方药品，死亡丧葬及紧急运输费用，紧急返乡服务，意外牙科治疗，牙齿止痛费。<br /><br />买了保险后,去美国或别的国家也能有保障吗?<br /></u>是的,有保障. 前提条件是你的旅程必须是有50%以上的时间是在加拿大,回到自己所居住的国家就不在受保范围. <br /><br />旅游保险的保费是多少?</u><br />保费通常与受保人的年龄和所购买保险额度有关,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.旅游保险费一般是按天计算的.保额通常是一万至十五万.<br /><br />购买了旅游保险到保单正式有效的时间是多久?</u><br />这段时间叫等候期,一般是48小时,所以通常如你希望受保人一下飞机就受到保障,最好提前两天购买. <br /><br />买了旅游保险后如需提前离开加拿大回国,剩下没到期的保费可以退还吗?<br />一般都可以,只是每家公司的条件和一定的罚款不同,需了解清楚.<br /><br />如何要求退款?</u><br />退款要求的重要前提是:没有发生理赔,余款扣除$25手续费将以支票,或划帐的形式返还. 来访者未回国前,只要先发个EMAIL给公司,马上可以开始退款. 我建议客户将治疗收据保存好,发票日期一年内理赔有效. 可以视来访者逗留情况灵活处理.<br /><br />理赔手续: <br />• 按照理赔表要求,由申请人或赞助人简单填写正面;由医生填写反面. <br />• 保单复印件,机票或护照复印件(显示到达时期) <br />• 医生证明信,发票的原件 <br />以上文件一同寄到理赔表指定地址. 一般十个工作日可以完成.<br /><br />一次买多久的保险合适?</u><br />来访者最好计划住多久就买多久. 这就避免了”旧病180天不保期”.<br />保险公司规定每一个新保单之前180天发生的旧病不在保险范围.<br /><br />一次买多少的保险合适?</u><br />特别是第一次为父母买保险, 可能不太知道怎样选择合适的档次. 以我多年的客户经验和我父母亲的理赔经历,提供几点建议:<br />年龄大, 身体弱, 居住六个月以上, 原城市的气候与TORONTO差别大的老人家应适当多买些, 续保时再示情况增减.当然买多少, 付款人的经济情况也要权衡考虑.<br /><br />保险价格的区别?</u><br />保险价格有区别, 但并不一定最便宜最好. 例如 $10,000保额,64岁, 四个公司的标价为:<br />A $2.90<br />B $2.83<br />C $2.80<br />D $2.32 (不包旧病;如果REFUND, 有45天不能退回)<br />许多客户不了解具体条例, 如果代理本身客户经验不足, 只是报个价格, 真正碰到理赔不顺利, 损失的还是客户.<br />七. 申请保单必备信息:<br />1. Name and Birthday<br />来访者姓名,年龄<br />2. Coverage Selection: $10k to $100k<br />保额选择 $10,000, $15,000,$25,000,$50,000,$100,000<br />3. Arrival Date, Effective date and Expiry Date<br />到达日期,生效日期,结束日期<br />4. Sponsor Name, Address and Telephone<br />赞助人姓名,住址,电话<br />5. 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