Q I already have life insurance. 我真的需要購買重大事故保險嗎？
A It's important to note that the Critical Accident Recovery Plan1 provides benefits for the living. 如果您從事故中生還，但無法重返工作崗位，您的人壽保險將不會予以賠付。如果發生嚴重意外傷害，保險賠付可幫助您和家人應對經濟困境。
Q I also have disability coverage. 這還不夠嗎？
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. 重大事故康復計劃會在任何殘障保險的基礎上，進行一次性免稅賠付。此外，大部分殘障保險的每月賠付金額較少，且許多保險都僅在有限時間內提供賠付。
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. 合資格的損失涵蓋從耳聾到更嚴重的癱瘓和腦損傷等傷害。
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. 您可致電1-888-788-0839索取理賠表格。請參考「如何申請理賠？」章節，了解如何申請理賠的完整資訊。
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，每次住院均可申請住院醫療保險賠付。
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. 在投保期間或投保人年滿75歲之前，您的保費固定，除非保單內所有受保人的保費變更。如需額外詳情，請參考保險憑證，尤其是「保險摘要」和「我要支付多少保費？」章節。
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.