안녕하세요 !
JK Financial 의 김정화 입니다.

수퍼비자 신청시 필요조건  하나가 의료사고를 대비해서 10만불을 커버할  있는 보험을 반드시 사야되는 것을 알고 계셨나요?

JK Financial의 학생 보험  여행자 보험의 10% 특별 할인 이벤트 이용하세요 ^^

다음의 여행자 보험에 대해 살펴보시기 바랍니다.

—————————————————————————————————————–

Visitor to Canada Insurance: Super Visa Medical Plan

(Super Visa Medical Plan)

 

1. 가입 

신청자는 반드시:
– 가입 당시 생후15일 이상인 분 
– 캐나다 워킹비자 또는 학생비자 소유하신 분
– 캐나다 시민권자, 이민자로서 캐나다 정부의 의료 보험 혜택을 받지 못하는 분
– 캐나다 방문 중 이신 분

 

2. 

고객의 필요에 따라 최고 보상액 선택 가능 : $10,000부터 최고 $150,000까지
– 최고 보험료 $150,000 : 69세 또는 이하
– 최고 보험료 $50,000 : 70세에서 85세까지
– 최고 보험료 $25,000 : 86세 또는 이상

 

면책금액 $0 (본인 부담금 없음) : 85세또는 이하 이신 분 
면책금엑 $50 : 5%의 일일 보험료를 절약하실수 있음

 

최대 구매 가능 기간: 365일 

최소 구매 금액: $25

 

가족 플랜 구입 가능
가족중 연장자 1인 보험료 X 2의 보험료로 온가족이 혜택을 받을 수 있습니다.

 

캐나다 외 국가 여행
보험 기간의 51%이상을 캐나다 체류시, 본국 제외한 세계 국가

 

보험 가입 전의 건강 상태 보상
효력발생일 이전 120일 동안 안정된 상태인 경우 자동적으로 커버

 

질병 보상 대기 기간 (사고시는 효력 발생일부터 즉시 보상)

캐나다 도착전 구입시: 대기 기간 없음 (캐나다 도착시 부터 효력 발생)

캐나다 도착후 구입시: 85세 또는 이하의 분들은 효력 발생일 48 시간 이후에 발생한 질병에 한해 보상

3. 보상 

– 병원 비용: 내/외래 환자의 진료, 합리적이고 적정한 비용

– 가정의 진찰비

– 임상 진단 서비스: 합리적이고 적정한 비용(X-ray, 실험실 검사)

– 지상 앰블런스 서비스

– 처방전에 의한 약: 최고 $500까지, 30일분 한도

– 의료 장비
깁스, 부목, 탈장대, 목발, 휠체어 또는 다른 준의료 장비의 대여

– 준의료 치료
발치료사, 척추 교정 지압 요법사, 정골사, 물리요법 치료사, 또는 족병치료사-치료사당 최고$500까지

– 침시술: 최고 $500까지, 1년 구입시 적용

– 사고에 의한 치과 치료:최고 $3,000까지

– 응급 치과 치료: 최고 $500까지(심각한 통증의 완화)

– 항공 사고: 총 보험액까지

– 본국 송환: TIC의 사전 승인시

– 유해 송환: 최고 $10,000까지

4. 보험 보상 

병원 입원시, 48시간내에 TIC연락해야 합니다.

그렇지 않은 경우, 입원비용의 80%혜택만을 받으실 수도 있습니다.

전문 상담원이 연중, 무휴로 의료 혜택의 서비스를 돕고 있습니다.

 

캐나다, 미국: 1-800-869-6747
수신자 부담: 416-340-8809

 

Send all pertinent documents to: 
TIC Claims Department 
250 Yonge St. Suite 2100
Toronto, Ontario 
M5B 2L7

 

 연령   보험 가입금액에 대한 시뮬레이션입니다.

참고하시기 바랍니다. ^^

 

#1. 30 

 

Policy Details
Application Date July 06, 2012 Reference Number: 40912
Effective Date September 10, 2012 Canada Arrival Date September 10, 2012
Expiry Date September 09, 2013
Trip Length 365 days Total Premium $2722.90

 

Coverage Details
Visitor to Canada Insurance: Super Visa Medical Plan
Deductible $0.00 Sum Insured $100000.00
Beneficiary estate

 

Insurable Members:
Family Name, Given Name Birth Date (Age) Premium  
30, Dad (M) January 03, 1977 (35 years) $1361.45  
30, Mom (F) April 23, 1977 (35 years) $1361.45  

 

#2. 40 부부

 

Policy Details
Application Date July 06, 2012 Reference Number: 40913
Effective Date September 10, 2012 Canada Arrival Date September 10, 2012
Expiry Date September 09, 2013
Trip Length 365 days Total Premium $3343.40

 

Coverage Details
Visitor to Canada Insurance: Super Visa Medical Plan
Deductible $0.00 Sum Insured $100000.00
Beneficiary estate

 

Insurable Members:
Family Name, Given Name Birth Date (Age) Premium  
40, Dad (M) January 03, 1967 (45 years) $1671.70  
40, Mom (F) April 23, 1967 (45 years) $1671.70  

 

#3. 50 

 

Policy Details
Application Date July 06, 2012 Reference Number: 40914
Effective Date September 10, 2012 Canada Arrival Date September 10, 2012
Expiry Date September 09, 2013
Trip Length 365 days Total Premium $3343.40

 

Coverage Details
Visitor to Canada Insurance: Super Visa Medical Plan
Deductible $0.00 Sum Insured $100000.00
Beneficiary estate

 

Insurable Members:
Family Name, Given Name Birth Date (Age) Premium  
50, Dad (M) January 03, 1957 (55 years) $1671.70  
50, Mom (F) April 23, 1957 (55 years) $1671.70  

 

 

#4. 60 

Policy Details
Application Date July 06, 2012 Reference Number: 40915
Effective Date September 10, 2012 Canada Arrival Date September 10, 2012
Expiry Date September 09, 2013
Trip Length 365 days Total Premium $4029.60

 

Coverage Details
Visitor to Canada Insurance: Super Visa Medical Plan
Deductible $0.00 Sum Insured $100000.00
Beneficiary estate

 

Insurable Members:
Family Name, Given Name Birth Date (Age) Premium  
60, Dad (M) January 03, 1947 (65 years) $2014.80  
60, Mom (F) April 23, 1947 (65 years) $2014.80  

 

 

마지막으로 많이들 궁금해 하실 내용에 대한 설명입니다.

 

1. Pre-existing condition 어떻게 되나요?

연세드신 분들의 경우, 가지고 계신 혈압이나 당뇨등의 pre-existing condition이 120동안 stable한 경우,

그로 인하여 발생한 병에 대해서 커버를 받으십니다.
Stable한 상황이란, 2년 사이에 수술이나 입원했던 병력이 없고 120일간의 사이에

복용중인 약의 변동이 없이 본인의 건강이 콘드롤되고 있는 상황입니다.

 

2. 만약에 6개월경에 캔슬이 된다면 어찌 되나요 ?

6개월경의 캔슬은 클레임이 없었던 경우에 한해서,

남은기간의 보험료를 환불해 드리면서 cancelation fee가 $40 charge 됩니다.

클레임이 있었다면 환불은 당연히 안되구요.

많은 도움이 되셨나요? ^^
문의 사항이 있으시면 언제든지 아래의 연락처로 문의하여 주세요 ^^
또한 수퍼비자를 준비하고 계신 분들은

JK Financial 과 함께 10% 특별 할인 이벤트를 놓치지 마시길 바랍니다.

647-502-9439
joan.kim@jkfinancial.ca

감사합니다.