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Albert Zhou, MBA,CFP

资深保险理财顾问

探亲旅游保险专家

416-834-9204

zhouwanmao@hotmail.com

个人网站: http://www.azfinancial.ca

www.buyonemedical.com/albertzhou

in Canada. If you need to know the defference of the benefits covered in each company,

Please call at: 416-834-9204 or 1-877-834-9204 or 905-771-8288  Albert Zhou

RSA-JF Premier–$100 Deductible option

Benefits

  • Pre-existing condition covered requires stable for 120 days stable prior to the effective day
  • Air Flight Accident included
  • Acupuncture treatment for 365 days policy
  • 48 hours waiting period for sickness claims up to age 85 (15 days for age 86 and above)
  • $50 deductible is one time per person per policy please refer to the policy wording for details

RSA-JF  Rate Schedule #1—Daily Rates-with stable pre-existing Medical Condition Coverage Option

$100 deductible

Coverage options

Age

$1万

$1.5万

$2.5万

$5万

$10万

$15万

Up to25

$ 1.68

$ 2.00

$ 2.24

$ 2.46

$3.54

$4.24

26-40

$1.83

$2.19

$2.46

$2.71

$3.96

$4.60

41-60

$2.12

$2.52

$2.82

$3.07

$5.12

$5.67

61-64

$2.43

$ 3.16

$3.79

$4.09

$5.40

$6.26

65-69

$2.95

$3.87

$4.66

$5.03

$5.86

$7.30

70-74

$5.19

$6.76

$8.13

$8.94

$11.03

n/a

75-79

$6.20

$8.08

$9.60

$10.58

$13.20

n/a

No medical questionnaire required

ETFS Rate Schedule #2—Daily Rates without stable pre-existing Medical Condition Coverage Option

Up to age 85: $100 Deductible

Age 86 and over: $500 Deductible

Coverage options

Age

$1万

$1.5万

$2.5万

$5万

$10万
50-60 $2.00 $2.39 $2.69 $2.92 $4.86
61-64 $2.26 $2.95 $3.52 $3.80 $5.02
65-69 $2.66 $3.48 $4.19 $4.52 $5.27

70-74

$ 3.64

$ 4.74

$ 5.70

$ 6.26

$7.72

75-79

$ 4.35

$ 5.66

$ 6.73

$ 7.41

$10.73

80-85

$ 6.29

$ 7.96

$9.79

$ 10.55

$14.54
86+ $9.54 $12.33 $14.85 N/A $23.51

No medical questionnaire required

*Minimum policy premium of $25

Family Rates: are 2X the Daily Rate based on the oldest member of the family. Coverage dates must be the same for all family members and all family members must live at the same address while in Canada.

Maximum period: including any extensions, up to age 85 is 365 days; age 86 and older -180 days.

RSA visitors Plans —$ 0 deductible —Rate Schedule 1-Daily Rates ( with Stable pre-existing Medical Conditions Coverage)

Coverage options

Age

$1万

$1.5万

$2.5万

$5万

$10万

15万

Up to 25

$ 1.77

$ 2.11

$ 2.36

$ 2.59

$ 3.73

$ 4.46

26-40

$ 1.93

$ 2.31

$ 2.59

$ 2.85

$ 4.17

$ 4.84

41-60

$ 2.23

$ 2.65

$ 2.97

$ 3.23

$ 5.39

$ 5.97

61-64

$ 2.56

$ 3.33

$ 3.99

$ 4.30

$ 5.68

$ 6.59

65-69

$ 3.11

$ 4.07

$ 4.90

$ 5.29

$ 6.17

$7.68

70-74

$ 5.46

$ 7.12

$ 8.56

$ 9.41

$11.61

N/A

75-79

$ 6.53

$8.50

$ 10.10

$ 11.14

$13.89

N/A

ETFS Rate Schedule #2—Daily Rates without stable pre-existing Medical Condition Coverage Option

Age 86 and over: $500 Deductible

Coverage options

Age

$10,000

$15,000

$25,000

$50,000

$100,000

50-60 $2.11 $2.52 $2.83 $3.07 $5.12
61-64 $2.38 $3.10 $3.71 $4.00 $5.28
65-69 $2.80 $3.66 $4.41 $4.76 $5.55

70-74

$3.97

$5.18

$ 6.23

$ 6.84

$ 8.44

75-79

$5.23

$ 6.80

$ 8.08

$ 8.91

$ 11.12

80-85

$7.09

$ 8.97

$ 11.03

$11.87

$ 15.06

86+

$10.89 $14.08 $16.96 $18.52 $23.15

No medical questionnaire required

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quote/purchase of TIC

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TIC-OPT Visitors to Canada Emergency Hospital & Medical

50 DEDUCTIBLE

Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
Up t0 25 $1.57 $1.89 $2.09 $2.30 $3.32 $3.96
26-40 $1.72 $2.05 $2.30 $2.53 $3.71 $4.29
41-60 $1.98 $2.36 $2.64 $2.87 $4.57 $5.30
61-64 $2.25 $2.95 $3.54 $3.82 $4.73 $5.85
65-69 $2.76 $3.61 $4.35 $4.69 $5.48 $6.82
70-74 $4.47 $5.83 $7.01 $7.70 $9.03 N/A
75-79 $5.35 $6.95 $8.27 $9.11 $10.69 N/A
80-85 $10.59 N/A $16.38 $18.05 $21.17 N/A

50 DEDUCTIBLE 不保稳定慢性病TIC-OPT

86+ 500 DEDUCTIBLE

AGE $1万 $1.5万 $2.5万 $5万 $10万 15万
70-74 $3.52 $4.60 $5.53 $6.08 $7.49 N/A
75-79 $4.24 $5.52 $6.55 $7.22 $9.52 N/A
80-85 $5.75 $7.27 $8.94 $9.62 $12.85 N/A
86+ $8.83 $11.41 $13.75 $15.12 $20.57

N/A

Age

$1万 $2万 $3万 $5万 $10万 $15万 $20万 $25万 $30万
0-25 $1.58 $2.18 $2.45 $2.67 $3.89 $4.62 $5.18 $5.71 $6.30
26-40 $1.72 $2.37 $2.66 $2.90 $4.31 $5.03 $5.62 $6.21 $6.85
41-60 $1.98 $2.72 $3.05 $3.32 $5.19 $6.12 $7.13 $7.88 $8.68
61-64 $2.63 $3.94 $4.73 $5.14 $6.23 $7.66 $8.96 $10.09 $11.12
65-69 $3.19 $4.80 $5.74 $6.30 $7.37 $9.09 $10.63 $11.96 $13.19
70-74 N/A $7.66 $9.19 $9.93 $11.89 $14.68 $17.16 $19.33 $21.34
75-79 N/A $9.16 $10.96 $11.85 $13.78 $16.98 $19.86 $22.35 $24.69

l * cover per-existing conditions provided they were stable in the 120 days prior to effective date of policy, ( Age 69 and under, pre-existing conditions are covered if stable in the 120 days prior to the effective day)

Family $1万 $2万 $3万 $5万 $10万 $ 15万 $20万 $25万 $30万
0-25 $3.16 $4.16 $4.90 $5.34 $7.78 $9.24 $10.36 $11.42 $12.60
26-40 $3.46 $4.74 $5.32 $5.80 $8.62 $10.06 $11.24 $12.42 $13.70
41-60 $3.96 $5.44 $6.10 $6.64 $10.38 $12.24 $14.26 $15.76 $17.36

Maxmium 365 days for persons 69 yrs and under / Maximum 183 days for persons 70-89 years of age.

Waiting period: If the policy was purchased before landing, there is no waiting period. If the policy was purchased within 60 days afer your arrival in Canada, 48 hours wiating period from the effective date; If the policy was purchased 61 days or more after your arrival in Canada, 7 days waiting period from the effecitve date.

Minimum premium: $20 per policy

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quote/purchase of 21st century

21st century visitor to Canada insurance premium rate tables

Maximum coverage period

Coverage is available under a policy for 365 days in total for ages up to 85. For those age 86 and older, coverage can be purchased to insure up to first 180 days following the date arrival in Canada from your country of origin.

Additional $5万 of coverage with the $ 10万

When you purchase the $ 10万 option, you are automatically insured for $ 15万for covered expenses as a result of an accidental bodily injury.

All applicants use for “Stable Chronic Condition” option. 50 DEDUCTIBLE

Age 保慢性病 $1万 $1.5万 $2.5万 $5万 $ 10万 $ 15万
Up t0 25 Yes $1.70 $2.10 $2.30 $2.55 $3.50 $4.10
26-34 Yes $1.85 $2.15 $2.35 $2.75 $3.75 $4.40
35-39 Yes $1.82 $2.25 $2.50 $2.85 $4.00 $4.60
40-54 Yes $1.91 $2.61 $2.90 $3.40 $4.90 $5.81
55-59 Yes $2.15 $2.70 $3.10 $3.55 $5.25 $6.40
60-64 Yes $3.06 $3.50 $4.10 $4.81 $6.60 N/A
65-69 Yes $3.28 $4.15 $4.65 $5.50 $7.45 N/A
70-74 Yes $5.00 $6.30 $7.40 $8.40 $10.90 N/A
75-79 Yes $6.10 $7.95 $9.10 $11.25 $13.40 N/A
80-85 Yes $9.15 $10.75 $13.75 $16.50 $20.00 N/A
86+ Yes N/A N/A N/A N/A N/A N/A
Age 86 and over must complete the medical declaration on the application to determine eligibility for coverage

Table 2-Premium Per day ” without  Stable Chronic condition” option (For age 70-85)

50 deductible

Age $10,000 $15,000 $25,000 $50,000 $100,000
60-64 $2.76 $3.30 $3.75 $4.34 $5.43
65-69 $2.96 $3.75 $4.25 $5.00 $6.73
70-74 $4.05 $5.20 $5.95 $7.15 $8.80
75-79 $4.80 $6.00 $7.00 $8.40 $10.80
80-85 $6.05 $7.70 $9.10 $10.20 $14.00
86+ $9.74 $12.54 $14.76 N/A $32.00

Family Rates Charge twice the older adult premium rate and list all Applicants on the Application.

A “Family” is defined as three or more of; parents or legal guardian and their unmarried children under age 21 who are visiting Canada with them and dependent on them for their sole means of financial support.

Premium paid determines coverage purchased. Minimum Policy premium is $25.00.

Age means the applicant’s age on the effective date of the policy.

For age 85 or under, the deductible amount is $50 per sickness. For age 86 or plus, the deductible amount is $500 per sickness.

For agents processing policies on-line, a deductible waiver feature is available up to age 85. For a premium surcharge of 5%, the $50 deductible is reduced to $0. Not available for age 86 plus.

quote/purchase

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Albert Zhou, MBA, CFP

TEL: 416-834-9204

zhouwanmao@hotmail.com

zhouwanmao@hotmail.com

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