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 $100 a day—up to a total of $36,500 - 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.