Wanmao(Albert) Zhou( AZ Financial) 最优探亲保险, 新移民医疗保险,人寿保险,RESP, RRSP 等全面保险之公司比较

留学生

保费

TRAVEL UNDERWRITERS

ETFS

$1.5/天

$1.45/天

$547.50/年

$470/年

团体: $430/年

N/A

加拿大人外出旅游保险

保险公司

21^st Century

ETFS

Travel Underwriter

T.I.C.

医疗问卷

55-75岁之间, 旅游超过30天; 或者76-79岁.

55岁及以上, 都需要问卷调查后决定否可保及保费.

70岁以上需要回答一个问题以决定能不能受保.

60岁以上, 旅游超过60天; 或者想买包括已有疾病的保险.

最低保费

$20

$25

$15

$25

垫底费

0

0

$250

0.$230(55岁以上, 需要医疗问卷调查的.)

已有疾病保障

对于PLAN B, 55岁以下或者55-75岁, 旅游30天以内的; 55-75岁, 旅游31天以上的, 并适合优先保费的; 或者75岁以上适合优先保费

54岁及以下, 病情在离开加拿大前6个月稳定的(有些病要求要稳定12个月). 但心肌梗塞不保.

1. 55岁及以下, 旅行时间28天及以内, 除了在启程前的7天内得的病, 其他疾病都保.2. 55岁及以下,如果旅行时间在28天以上, 在启程前90天内保持稳定的疾病都保.3. 对于56-59岁, 14天及以内的行程,  除了在启程前的7天内得的病, 其他疾病都保.4. 对于56-59岁,如果行程在14天以上,  所保疾病必须在启程前180天内是稳定的.5. 对于70-89岁的, 所保疾病只限于在启程前365天内稳定的疾病.

70岁以下, 35天行程以内, 所有疾病都保;36天行程以上或者年龄在71以上, 病情须在过去180天内保持稳定.

comparision on the features of different products 

visitor to Canada

Company

21^st 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

21^st 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