重大事故保險常見問題

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。

註：此為道明保險目前使用的重大事故康復保險計劃的保險憑證組合示例。如果您對重大事故康復保險計劃有任何問題，請撥打免費電話1-888-788-0839諮詢顧問，服務時間：東部時間週一至週五上午8時至下午10時；週六上午9時至下午6時。

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.

如需道明重大事故康復計劃保險的詳情或有任何問題，請透過下列方式聯絡我們：
1-888-788-0839。