危疾保险常见问答

对危疾保险有疑问?

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I already have life insurance. 我真的还需要购买危疾保险吗?

A It's important to note that the TD Critical Illness Recovery Plan1 provides benefits for the living. 如果您从承保范围内的危疾中幸存,您的人寿保险可能不会予以赔付。此计划旨在帮助您和您的家人度过财务难关,使您能够专心康复。

I also have disability coverage. 这还不够吗?

理想情况下,最好两种保险都买,因为残疾保险不会为您提供一次性赔付以帮助减轻健康相关费用所带来的财务负担,如私人护理、理疗、医疗设备或儿童看护。此外,多数残疾保险的每月赔付金额较少,并且许多保险仅在有限时间内提供赔付。

Say I have a heart attack—or other eligible critical illness—and recover in a few weeks or months...then return to work. 我会得到赔付吗?

赔付资格并不取决于您能否工作。如果您的病情符合我们对心脏病、癌症(危及生命)或中风的定义,您的危疾康复计划保险即可提供一次性赔付,供您自由支配。请参阅保险单,查看有关定义、条款和条件的完整列表。

注:此为道明保险目前使用的危疾康复计划保险单组合示例。 If you have any questions regarding the Critical Illness Recovery Plan, please call to speak to an advisor, toll-free, at 1-888-788-0839 Monday to Friday 8 a.m. to 10 p.m. and Saturday 9 a.m. to 6 p.m. EST.

Why are only cancer (life-threatening), heart attack and stroke covered by your Critical Illness insurance?

A Cancer, heart attack and stroke, as defined in the Insurance Policy and subject to terms and conditions, are the most common illnesses occurring across all ages in Canada.2

How will I know if I’m eligible to make a claim?

如果您被医生确诊患有您保险单中所述的承保范围内的危疾,并且在诊断日期之后存活30天(直至第31天凌晨12:01),您就有资格申请赔付。您可拨打1-888-788-0839索取理赔表格。请参考“如何索赔?”章节(保险单第14页)了解有关如何申请理赔的完整信息。

What if the critical illness is terminal?

即便承保范围内的危疾已为终末期,危疾康复计划保险仍会给付一笔保险赔偿金。您必须在确诊日期之后存活30天,方有资格申请赔付。例如,如果您被确诊患有乳腺癌(危及生命),危疾康复计划保险则将根据保险单中规定的条款和条件予以赔付。

My premiums are low now, but will they increase in the future?

罹患癌症(危及生命)、心脏病发作和/或中风的风险随着年龄增长而增加。因此,为了使我们能够管理这种风险,您的保费将每10年增加一次,直至您的保险在70岁时终止。如需了解其他详细信息,请参阅保险单

Will I have to pay taxes on any of the benefits I might receive?

不需要。根据加拿大现行税法,TD危疾康复计划的所有赔付均免税。

For information or questions on your TD Critical Illness Recovery Plan coverage, please contact us at 1-888-788-0839.

1Underwritten by TD Life Insurance Company.
2Leading causes of death in Canada. 加拿大统计局,2016年。参见:http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/hlth36a-eng.htm