Q I already have life insurance. 我真的还需要购买严重交通事故意外保险吗？
A It's important to note that the Critical Accident Recovery Plan1 provides benefits for the living.如果您从事故中生还，但无法重返工作岗位，您的人寿保险将不会予以赔付。如果发生严重意外伤害，保险赔付可帮助您和家人应对经济困境。
Q I also have disability coverage.这还不够吗？
A Ideally, you'd have both, because your disability coverage may not provide you a lump-sum payment to help you to take care of day-to-day living expenses and still have money for your recovery.重大事故康复计划会在任何残疾保险的基础上，进行一次性免税赔付。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。
Q What is covered?
A The Certificate of Insurance provides details about the schedule of covered losses as well as coverage summary, including eligible injuries resulting from an accident and eligible broken bones.符合条件的损失涵盖从耳聋到瘫痪和脑损伤等更加严重的伤害。
Q How will I know if I’m eligible to make a claim?
A If you suffer a critical accident - as set out in your Certificate of Insurance - you're eligible to file a claim.您可拨打1-888-788-0839索取索赔表。请参考“如何索赔？”章节了解有关如何申报索赔的完整信息。
Q Do I need to submit my hospital indemnity benefits claim and my lump-sum claim at the same time?
A No. The hospital indemnity benefits of $200 a day—up to a total of $73,000 - can be claimed for a stay in a Canadian hospital resulting from an accident, as defined in the Certificate of Insurance.此外，每次住院均可申请住院医疗保险赔付。
Q My premiums are low now, but will they increase in the future?
A Your premiums are group premiums designed to make this coverage affordable for TD Bank Group customers.在投保期间或投保人年满75岁之前，您的保费固定，除非其上调所有投保人的保费。如要了解更多详情，请参考保险凭证，尤其是“保险概要”和“我要支付的保费金额？”
Q Will I have to pay taxes on any of the benefits I might receive?
A No. Under existing Canadian tax laws, all payments under the TD Critical Accident Recovery Plan are tax free.
1TD Critical Accident Recovery Insurance Plan is underwritten and administered by TD Life Insurance Company (TD Life). This product is exclusively for clients of TD Bank Group.