TU Emergency Hospital/Medical Insurance Plans for Canadians
TU 外出緊急住院和醫療保險計劃承包條例
根據加拿大各省居民醫療保障計劃的規定，由於疾病或意外所產生的省外或境外醫療費用，政府醫療計劃僅保障極少的部分。沒有出外旅遊的醫療保險，任何很小的意外如食物中毒、齲齒或闌尾炎都能夠很容易把你兩週假期的預算消耗掉。甚至一天美國過境游都能夠很快轉變成醫療和財務上的惡夢，因為很多的美國醫院在你沒有足夠的醫療保險或現金的情況下，不會給你進行治療。 TU出加旅遊緊急醫療保險給你提供最好出外旅遊的保障。
投保資格
申請人須滿足以下條件：
1、在申請購買保單時，受保人年齡在89以下（60—89歲須填寫調查問卷來確定保費）；
2、必須是加拿大居民，並且有居住地省份或地區的政府醫療計劃；
Key features
| Plans available | Annual • Multi trip worldwide • Multi trip within Canada Single • Worldwide • Worldwide excluding USA (includes up to 5 days transit coverage in USA) • Within Canada |
| Pre-existing conditions coverage | 59 years and under • No stability period for trips of 35 days and less * • 90-day stability period for trips over 35 days 60 to 74 years • 180-day stability period for all trip lengths 75 to 89 years • 365-day stability period for all trip lengths * Conditions and / or symptoms which arose or worsened on the date of departure, or at any time within the seven days prior to the date of departure, other than a minor ailment, will not be covered. |
| Deductible | Automatic $ 250 deductible; buy-out option available or other deductible options up to $ 100,000 for premium discount |
| One temporary visit to home province during a single trip | Includes up to a maximum of 10 days |
| Family rate | Available up to age 59; includes grandparents and grandchildren as well as children up to age 21 or 25 if full-time students; no age limit if children are mentally / physically handicapped |
| Subrogation | No subrogation against any employment plans with a lifetime maximum limit of $100,000 or less |
承保內容
| Key Benefits | Maximum Limit |
| Maximum liability | $5,000,000 |
| Emergency medical treatment | • Emergency medical treatment for sickness or injury whether in-patient or out-patient care • Services of physician, surgeon, anaesthetist, registered graduate nurse • Private duty nursing • X-rays and laboratory services • Rental of essential medical appliances |
| Ambulance | Yes, including paramedics or taxi in lieu |
| Prescription drugs | Limit of a 30-day supply |
| Professional medical services | • Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist |
| Dental | • Up to $4,000 for accident • Up to $500 for any other dental emergencies |
| Hospital allowance | $50 per day to a maximum of $500 for incidental hospital charges |
| Emergency air transportation | Up to policy limit; includes cost of air ambulance, stretcher fare or one-way economy airfare, medical attendant or travelling companion, seat upgrade when medically necessary (for insured and attendant or travelling companion) |
| Return of excess baggage | Up to $200, provided there was no room aboard and when the insured is returned to the home province under the Emergency Air Transportation Benefit or Repatriation Benefit |
| Return of travelling companion | A one-way economy airfare back to the departure point if the insured is returned home for medical reasons |
| Escort of children/grandchildren | Up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped |
| Repatriation | • Up to $10,000 for repatriation (excluding cost of coffin) • Up to $4,000 for burial/cremation at place of death (excluding cost of burial coffin or urn) • Transportation costs for one family member to identify the body and up to $150 per day for meals and accommodation to a maximum of five days; the family member will also be covered as an insured for a maximum of five days |
| Family transportation | One economy return airfare or ground transportation costs and up to $150 per day for out-of-pocket expenses |
| Out-of-pocket expenses | Up to $400 per day to a maximum of $4,000 when insured or travelling companion is hospitalized on the date scheduled to return to the home province or when transferred to a different hospital in another city for emergency medical treatment |
| Return of vehicle | Up to $4,000 |
| Return to your destination | One-way economy airfare by the most direct route to return to the insured’s original trip destination following a return to their home province under the Emergency Air Transportation Benefit |
| Return of accompanying dog or cat | Up to $300 |
保費（$/天）
全球旅遊（不包括美國）
| Age | Length of Stay | ||||
| 0-65 days | 66-125 days | 126-182* | 183-365 | EXt. | |
| Individual Rates | |||||
| 0-40 | 1.63 | 1.91 | 2.19 | 2.19 | 2.19 |
| 41-55 | 2.13 | 2.29 | 2.46 | 2.46 | 2.46 |
| 56-59 | 2.46 | 2.73 | 3.00 | 3.00 | 3.00 |
| Family Rates (based on age of oldest family member) | |||||
| 0-40 | 3.27 | 3.83 | 4.36 | 4.36 | 4.36 |
| 41-55 | 4.28 | 4.58 | 4.92 | 4.92 | 4.92 |
| 56-59 | 4.92 | 5.46 | 6.03 | 6.03 | 6.03 |
The insured age 60 and over for invidual rates should fill questionaire and chooses the rate category( quesiotnaire form and relative rate availble at the attachment)
全球旅遊（包括美國）
| Age | Length of Stay | ||||
| 0-65 days | 66-125 days | 126-182* | 183-365 | EXt. | |
| Individual Rates | |||||
| 0-40 | 1.83 | 2.12 | 2.43 | 2.43 | 2.43 |
| 41-55 | 2.37 | 2.55 | 2.73 | 2.73 | 2.73 |
| 56-59 | 2.73 | 3.03 | 3.34 | 3.34 | 3.34 |
| Family Rates (based on age of oldest family member) | |||||
| 0-40 | 3.64 | 4.26 | 4.85 | 4.85 | 4.85 |
| 41-55 | 4.73 | 5.09 | 5.46 | 5.46 | 5.46 |
| 56-59 | 5.46 | 6.07 | 6.67 | 6.67 | 6.67 |
*212 days in Ontario. The insured age 60 and over for invidual rates should fill questionaire and chooses the rate category( quesiotnaire form and relative rate availble at the attachment)
加拿大境內游
| Age | Length of Stay | ||||
| 0-65 days | 66-125 days | 126-182* | 183-365 | EXt. | |
| Individual Rates | |||||
| 0-40 | 0.55 | 0.64 | 0.73 | 0.73 | 0.73 |
| 41-55 | 0.71 | 0.77 | 0.82 | 0.82 | 0.82 |
| 56-59 | 0.82 | 0.91 | 1.00 | 1.00 | 1.00 |
| 60-64 | 0.84 | 1.09 | 1.18 | n/a | 1.18 |
| 65-69 | 1.00 | 1.25 | 1.55 | n/a | 1.55 |
| 70-74 | 1.49 | 1.81 | 2.04 | n/a | 2.04 |
| 75-79 | 2.37 | 2.55 | 2.91 | n/a | 2.91 |
| 80-84 | 4.01 | 4.19 | 4.73 | n/a | 4.73 |
| 85-89 | 5.10 | 6.01 | 6.19 | n/a | 6.19 |
| Family Rates (based on age of oldest family member) | |||||
| 0-40 | 1.09 | 1.28 | 1.46 | 1.46 | 1.46 |
| 41-55 | 1.42 | 1.53 | 1.64 | 1.64 | 1.64 |
| 56-59 | 1.64 | 1.82 | 2.00 | 2.00 | 2.00 |
*212 days in Ontario
索賠
在緊急醫療情況下，公司提供一天24小時，一周7天不同語言的服務：
在加拿大&美國：1-800-663-0399
墨西哥：001-800-514-9976
在北美以外（collect）:800-663-0399its
TU 购买快速通道：点击进入
The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording will prevail. For complete details, refer to the policy wording which is available upon request.
| 附加檔案 | 大小 |
|---|---|
| TU rate_worldwide excluding USA.pdf | 51.65 KB |
| TU rate_worldwide.pdf | 51.59 KB |
| TU Rate_within Canada.pdf | 47.49 KB |
| TU questionnaire.pdf | 123.57 KB |
| Freedom_policywording_2012-10.pdf | 603.33 KB |