準備選擇一種計劃?


Why is Accident & Health Insurance important?

Our Accident & Health Insurance covers Accident & Sickness plans and Health & Dental Plans.

Our Accident & Sickness plans help provide financial support for you and those you care about in the event of an eligible accident, illness, death, or disability.

While the Health & Dental plans help to cover routine as well as unexpected health-related expenses.

Explore our plans below and choose the coverage that best suits your needs.


Explore our Accident and Sickness Insurance Plans

Table Chart1

重大事故康復計劃

意外死亡保險計劃

Accident Disability Insurance Plan

危疾康復計劃

Plan description

This plan can provide a tax-free lump sum benefit should you suffer from an eligible critical accident resulting in an injury covered in your insurance certificate.

This plan can provide a tax-free lump sum to help support your family financially should you pass away due to a covered accident.

This plan can provide a tax-free monthly benefit to help replace lost income if you were to become disabled as a result of a covered accident and are unable to work.

This plan can provide a tax-free lump sum benefit to help financially support you if you are diagnosed with a life-threatening cancer, heart attack or stroke.

好處

Up to $100,000 for a covered critical accident depending on the severity of your injury.

Benefits & Exclusions

Your beneficiaries could receive a payment ranging from $50,000 to $250,000.

Benefits & Exclusions

You could receive a monthly benefit of $500, $1,000 or $1,500 up to 24 months if you become disabled within 90 days of the accident.

Benefits & Exclusions

You could receive a benefit ranging from $5,000 to $50,000.

Benefits & Exclusions

Age Eligibility

18 to 64

18 to 65

18 to 60

18 to 54

Medical or health questions

沒有

沒有

沒有

家庭保險

Yes (Spouse2 and Dependent Child(ren)2 coverages are available)

Yes (Spouse2 coverage is available)

沒有

沒有

Product Availability

Eligible TD customers only

Eligible TD customers only

Eligible TD customers only

All eligible TD and non-TD customers

Detailed Product Information

以上資訊僅作為摘要。

準備選擇一種計劃?

Please refer to the below Sample Insurance Policy/Certificate for defined terms and a full description of features, benefits, limitations and exclusions.

Health & dental plans provided by Green Shield Canada (GSC)2

  • GSC Health Assist ZONE®

    ZONE plans may be suitable for those without group benefits, such as self-employed or contract workers, small business owners or freelancers.

  • GSC Health Assist LINK®

    LINK plans may be ideal for those whose employee benefits are ending due to retirement, career change, age, or job loss.

常見問題

 

1. How do I submit an Accident and Sickness claim?

Claim forms are accessible from our website at tdinsurance.com or by calling us at 1-877-397-4187 from Monday to Friday 8 a.m. to 10 p.m. EST and Saturdays 10 a.m.to 6 p.m. EST.

2. Are there any exclusions to Accident and Sickness coverage plans?

There are some situations where a benefit won't be paid, including self-inflicted injuries, suicide, criminal activity, and the use of illegal drugs or substances.

Please refer to the following Sample Insurance Policies/Certificates for a full description of features, benefits, limitations, and exclusions with our coverage plans.

3. What is the definition of an accident?

An accident, as defined under our Accident & Sickness Insurance plans, is a bodily injury that occurs as a direct result of a violent, sudden and unexpected action from something external to you.

This definition of accident does not include:

  • Any illness, medical condition or congenital defect.
  • Injuries resulting either directly or indirectly from any illness, medical condition or congenital defect.

4. What if I'm already covered for accident and health insurance under another plan?

Our plans could provide benefits on top of your other coverage benefits, depending on your needs.

5. What is the main difference between Accidental Death, Critical Illness and Life Insurance?

Accidental Death Insurance provides a lump sum benefit to the named beneficiary(ies) or estate if a covered accident leads to the death of the insured person.

Critical Illness insurance provides a lump sum benefit to the person insured if they are diagnosed with one of the illnesses covered under the plan.

Life Insurance pays a lump sum benefit to the named beneficiary(ies) or estate on the death of the life insured, regardless of the cause of death, with some exceptions.

 


Learn more about Accident and Health Insurance


The TD Critical Accident Recovery Plan, TD Accidental Death Insurance Plan and TD Accident Disability Insurance Plan are group insurance plans. The TD Critical Illness Recovery Plan is an individual insurance plan. All plans are underwritten by TD Life Insurance Company and distributed by TD Assurance Agency Inc. Mailing Address: TD Life Insurance Company, P.O. Box 1 TD Centre, Toronto, Ontario M5K 1A2

1For defined terms, limitations and exclusions, refer to the applicable Insurance Certificate or Policy
2GSC Health Assist plans are provided by Green Shield Canada (GSC)

GSC, GSC Health Assist, GSC Health Assist ZONE, GSC Health Assist LINK and respective logo designs are registered trademarks of Green Shield Canada.

® Trademarks of Green Shield Canada. © 2023 Green Shield Canada. 版權所有。