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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="/331503438236130235003164929702.html">腾虎服务优势</a><br /><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> <div class="paragraph" style="text-align:left;"><strong style="">重病保险</strong><br />“有OHIP (Ontario Health Insurance Plan 安省健康保险计划)我们为什么还需重大疾病保险呢?”<br /><br />重大疾病保险(Critical Illness Insurance)是1983年由南非心脏外科医生伯纳德(Marius Barbard) 倡议而建立的。在1993年被引进到加拿大。简单地说，重病保险可使你在重病期间，能从保险公司获得一笔完全免税的赔偿金。该计划所拥有的保障范围和功能, 弥补了加拿大各省独立的(如安省的OHIP)医疗健康计划的不足, 是对加拿大医疗保障体系的补充和完善，因而受到越来越多的关注与欢迎。 <br /><br />一般地说，重大疾病的患病率和存活率比较高，从以下加拿大统计局提供的惊人的数字可见一斑：<br />• 每2个男人中的1人或3个女人中的1人在他们一生当中会患心脏疾病; <br />• 每年有40,000 到50,000加拿大人中风; <br />• 每9个女人中的一个会罹患乳癌; <br />• 每2.3个男人中的一个或2.6个女人中的一个会罹患癌症; <br />• 每12个加拿大人中的一个会患肺癌; <br />• 2004年加拿大约有145,500新增患癌的病人。 <br />值得庆幸的是，患了癌症的病人有半数以上都会至少存活5年以上，75%首次中风的患者现在大约有200,000在加拿大生活着，85%的心脏病患者可以继续生活。<br /><br />重大疾病的患病率和存活率如此之高， 因此适时地制订一个重大疾病保险计划，对你和你的家庭真的很有必要，且宜早不宜迟。<br /><br />需要提醒的是，千万不能等到生了病或是感觉快生病了再去投保。因为，保险公司对体检不合格的申请人有权加价或拒保。在工作实践中，我经常发现一些同胞只顾埋头挣钱，不顾身体健康，直到医生建议作某种疾病的检查时，才想到要买重病保险，只可惜疾病已经缠身，为时已晚。我在此善意地忠告一句：健康比金钱更重要！<br />3、重大疾病保险帮你及时得到治疗<br /><br />加拿大医疗设施紧张和医生缺乏人所共知，许多手术必须排队等候。2001年的统计数据表明， 在安省治疗重大疾病的平均等候期超过13.9周， 大大超出了合理的等候时间范围。<br /><br />因为治病的时机非常重要，特别是癌症等重大疾病，所以许多加拿大患者来不及等待，选择到美国或其他国家治病，而我们中国人则选择了回中国治病。<br /><br />重大疾病保险的及时赔付， 可以帮你及时得到治疗，解除你的后顾之忧！<br /><br />4、重大疾病保险帮你得到必要的经济支持<br /><br />在治疗和休养期间，患者都需要一定的经济支持。如果没有重大疾病保险，患者可能陷入两难境地。<br /><br />• 若长期病休和康复疗养，患者则难免失去全部或部分工作，经济收入从而大大减少。由此而来，有可能还不起房屋按揭、生意贷款，很有可能被迫动用养老储蓄，甚至卖掉房产或生意； <br />• 若是继续坚持工作，则可能导致旧病恶化或引致新病。 <br />• 手术需要排队等候，无法直接奔赴不用等候的先进的医疗地点进行治疗，或难以停止工作，更无法静心康复。 <br />由此看来， 我们真的应该考虑在风雨到来之前， 为自己准备一把雨伞----“有备无患”才是较为稳妥的应对方法。　　　　<br /><br />5、重大疾病保险---家庭保护伞<br /><br />简单来说，重大疾病康复保险, 就是当投保人不幸被诊断出患有保险合同规定的任何一种重大疾病后, 在存活三十天之后即可得到保险公司的赔偿。如20万的保险合同，如获赔偿即可获得20万的现金, 且无须交税。<br /><br />下面以有100多年历史的Great-West Life保险公司提供的重大疾病计划为例，它包括所有的重大疾病22种。受保疾病包括癌症、心脏冠状动脉（搭桥）手术、突发性心脏病、中风、老年痴呆症、大动脉手术、良性脑肿瘤、失明、昏迷、失聪、心瓣置换、肾衰竭、断肢、丧失说话能力、主要器官移植、轮候主要器官移植、运动神经疾病、多发性硬化、因工受伤引致丧失免疫力病毒（HIV）、瘫痪、柏金逊病和严重烧伤等22种。<br /><br />6、重大疾病保险投保注意要点<br />在加拿大,各保险公司其受保范围、重大疾病定义、具体赔偿条款都有所不同.非常重要的是， 找一个您自己信赖的理财顾问，他（她）会根据投保人的需要和实际情况，帮您选择一适合你的保障计划。本人代理各大保险公司产品，服务内容：个人人寿保险，个人伤病保险，个人危疾保险，个人医疗保险，旅游探亲保险，商业保险，保本投资基金，互惠基金，劳工赞助投资基金，RRSP,RESP,年金，RRIF，LIF，团体保险，雇员退休计划，房屋贷款，欢迎来电联系<strong>1-888-868-9888</strong>,帮您进行全面的家庭理财规划。<br /><br /></div> <div> <form enctype="multipart/form-data" action="//www.weebly.com/weebly/apps/formSubmit.php" method="POST" id="form-797669358248610805"> <div id="797669358248610805-form-parent" 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