Sam
Fok
MBA, M.Div., CLU, CFP, RIB.
Chartered
Life Underwriter
Chartered Financial Planner
Registered Insurance Broker
MAJOR Services
New Immigrants & Visitors Medical
Insurance.
Life
& Critical
Illness Insurance
Out-Of-Province
Travel Insurance
Frequently
Asked Questions
Want
to buy Now!!
Please
call us at:
905-480-9993
416-229-9076
1-800-811-9988
or E-mail us at
admin@fok.ca
STRONG
Links
Query / Comment?
This
site is best viewed with IE 5.x and Netscape 4.x or above with UTF-8.
For any query or comment. Please send your message to our Webmaster.
Thank you.
Chinese Page
|
BROCHURES Highlights
(For details of policy, please click “Brochures”) (effective June 15, 2009)
New Immigrants’ & Visitors’
Medical Insurance
21st Century Travel Insurance Plan
PREMIUM RATE TABLES | (Effective June 15, 2009)
All applicants use Table 1 unless
Age 70 – 85 and applying for “Stable Chronic Condition”
Option.
$10,000 Accidental Death & Dismemberment coverage is included with every policy to each insured person at NO extra premium (excluding Flight Accident Insurance).
-
Expanded "Territorial Limitation" to extend coverage to side trips to other countries before, during or after
the visit to Canada.
-
Coverage is now provided for complications of pregnancy that happen outside of the 9-week period before and the 9-week
period after the expected delivery date if the pregnancy commences after the effective date of thie policy.
BROCHURES HIGHLIGHTS:
-
Applicants are NOT
eligible for coverage under this plan if :
- enter Canada during a time that a “Physician” has
advised them not to travel; and/or
- have been diagnosed with a terminal illness with
less than two (2) years to live; and/or
- have a kidney condition requiring dialysis; and/or
- have used home oxygen during the 12 months prior
to the date of application.
-
There is a $50 deductible per person per policy for those under 86, unless the insurance is purchased with “$O”
deductible, with additional 5% premium surcharge.
-
A new $250 deductible option is available with 10% reduction to the base rate.
-
$500 deductible for those age 86 and over.
-
Excludes medical conditions during
the 180 days period prior to the effective day of
each insurance policy, including renewal policy.
-
Stabilized pre-existing conditions
are covered if certain conditions are fulfilled.
-
Minimum $25 premium per policy.
-
Coverage is provided for uninterrupted flight directly to Canada.
-
72 hours waiting period if the insurance
is purchased within 30 days of the
insured’s arrival.(For age up to 85).
-
7 days waiting period if the insurance
is purchased 31 days or more after
the insured’s arrival. (For age up to 85).
-
15 days waiting period for sickness.
(For age 86 and over).
-
Waiting period could be waived or
modified if other coverage with another insurer is
in force and there is no gap in coverage. Proof must
be provided.
-
Maximum coverage per policy: 365 days
(extendable). (For age up to 85).
-
Maximum coverage up to the first
180 days (Non-Extendable) upon arrival in Canada for
age 86 and up.
-
Additional $50,000 of accidental
bodily injury coverage with the $100,000 option.
-
Family rate: All children under age
21 are covered for free if traveling with parents
or guardians. (2 times the oldest applicant's total premium).
-
Children’s coverage: minimum 31 days
old.
-
No waiting period if the insurance is purchased before the insured's arrival.
|
|
