探亲旅游保险申请相关信息 探亲旅游保险申请相关信息.
探亲医疗保险是按天收费,跟受保人的年龄和保额有关..
我主要代理ETFS, Travel Underwriters, 21st century and TIC四个公司. 但是由于TIC公司看病没有FOLLOW Ｕｐ,所以我一般不建议客户选这个公司.
下面是几个公司的报价.其中TU没有垫底费, 21st century 每看一种病有50 垫底费, ETFS 整个受保其间是50 垫底费. 69岁以下稳定慢性病自动受保. 70岁以上您可以选择保与不保慢性病. 价钱有所不同.请查看.一般老人慢性病复发的机会挺高的, 我建议大家最好买保慢性病的计划. (当然, 如果从来没有慢性病则不需要买保慢性病).
下面是不同公司的报价比较:
其中TU是没有垫底费的, ETFS 整个受保其间有50 的垫底费. 21st century 每看一种病有50 的垫底费. 如想购买0 垫底费,在此基础上再加5%. TU 也有$1000垫底费,其保费在此基础上有25%的折扣.
| Age: | company | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 | 50,000 | 100,000 | 150,000 | | Up to 25 | ETFS | $1.50 | $1.80 | N/A | $2.00 | N/A | $2.20 | $3.17 | $3.79 | | | TU | $1.60 | N/A | $1.91 | N/A | $2.14 | $2.33 | $3.39 | $4.04 | | | 21st century | $1.50 | $1.85 | N/A | $1.95 | N/A | $2.25 | $2.95 | N/A | | 26-34 | ETFS | $1.64 | $1.97 | N/A | $2.20 | N/A | $2.42 | $3.54 | $4.11 | | | TU | $1.74 | N/A | $2.07 | N/A | $2.32 | $2.53 | $3.76 | $4.39 | | | 21st century | $1.60 | $1.90 | N/A | $2.10 | N/A | $2.40 | $3.25 | N/A | | 35-39 | ETFS | $1.64 | $1.97 | N/A | $2.20 | N/A | $2.42 | $3.54 | $4.11 | | | TU | $1.74 | N/A | $2.07 | N/A | $2.32 | $2.53 | $3.76 | $4.39 | | | 21st century | $1.70 | $2.00 | N/A | $2.25 | N/A | $2.50 | $3.45 | N/A | | Age: | company | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 | 50,000 | 100,000 | 150,000 | | 40 | ETFS | $1.64 | $1.97 | N/A | $2.20 | N/A | $2.42 | $3.54 | $4.11 | | | TU | $1.74 | N/A | $2.07 | N/A | $2.32 | $2.53 | $3.76 | $4.39 | | | 21st century | $1.80 | $2.30 | N/A | $2.60 | N/A | $2.95 | $4.40 | N/A | | 41-54 | ETFS | $1.89 | $2.25 | N/A | $2.53 | N/A | $2.75 | $4.35 | $5.07 | | | TU | $1.99 | N/A | $2.38 | N/A | $2.66 | $2.90 | $4.53 | $5.35 | | | 21st century | $1.80 | $2.30 | N/A | $2.60 | N/A | $2.95 | $4.40 | N/A | | 55-59 | ETFS | $1.89 | $2.25 | N/A | $2.53 | N/A | $2.75 | $4.35 | $5.07 | | | TU | $1.99 | N/A | $2.38 | N/A | $2.66 | $2.90 | $4.53 | $5.35 | | | 21st century | $1.90 | $2.45 | N/A | $2.80 | N/A | $3.15 | $4.55 | N/A | | 60 | ETFS | $1.89 | $2.25 | N/A | $2.53 | N/A | $2.75 | $4.35 | $5.07 | | | TU | $1.99 | N/A | $2.38 | N/A | $2.66 | $2.90 | $4.53 | $5.35 | | | 21st century | $2.80 | $3.20 | N/A | $3.75 | N/A | $4.40 | $5.45 | N/A | | 61-64 | ETFS | $2.18 | $2.83 | N/A | $3.39 | N/A | $3.66 | $4.50 | $5.60 | | | TU | $2.32 | N/A | $3.00 | N/A | $3.59 | $3.91 | $4.73 | $5.82 | | | 21st century | $2.80 | $3.20 | N/A | $3.75 | N/A | $4.40 | $5.45 | N/A | | 65-69 | ETFS | $2.64 | $3.46 | N/A | $4.16 | N/A | $4.49 | $5.24 | $6.53 | | | TU | $2.81 | N/A | $3.64 | N/A | $4.36 | $4.79 | $5.60 | $6.90 | | | 21st century | $3.00 | $3.75 | N/A | $4.25 | N/A | $5.00 | $6.75 | N/A | | Age: | company | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 | 50,000 | 100,000 | 150,000 | | 70-74 | ETFS | $4.21 | $5.50 | N/A | $6.61 | N/A | $7.26 | N/A | N/A | | | TU | $4.50 | N/A | $5.83 | N/A | $6.99 | $7.54 | $9.04 | $11.15 | | | 21st century | $4.40 | $5.65 | N/A | $6.10 | N/A | $7.25 | $9.10 | N/A | | 75-79 | ETFS | $5.05 | $6.56 | N/A | $7.80 | N/A | $8.60 | N/A | N/A | | | TU | $5.36 | N/A | $6.96 | N/A | $8.34 | $9.00 | $10.46 | $12.90 | | | 21st century | $5.25 | $6.50 | N/A | $7.40 | N/A | $9.30 | $11.25 | N/A | | 80-85 | ETFS | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | | | TU | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | | | 21st century | $7.00 | $8.80 | N/A | $10.25 | N/A | $12.05 | $15.25 | |
ETFS and 21st century with 50 deducitble. TU with 0 deductible. 不保慢性病:
| Age: | company | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 | 50,000 | 100,000 | 150,000 | | 70-74 | ETFS | $3.37 | $4.40 | N/A | $5.29 | N/A | $5.81 | * | * | | | TU | $3.60 | N/A | $4.66 | N/A | $5.59 | $6.03 | $7.23 | $8.92 | | | 21st century | $3.65 | $4.60 | $5.30 | $6.30 | $7.90 | $7.15 | $9.30 | N/A | | 75-79 | ETFS | $4.04 | $5.25 | N/A | $6.24 | N/A | $6.88 | * | * | | | TU | $4.29 | N/A | $5.57 | N/A | $6.67 | $7.20 | $8.37 | $10.32 | | | 21st century | $4.20 | $5.20 | $5.70 | $7.15 | $9.30 | $8.30 | $10.50 | N/A | | 80-85 | ETFS | $5.47 | $6.93 | N/A | $8.51 | N/A | $9.17 | * | * | | | TU | $5.81 | N/A | $7.39 | N/A | $9.03 | $9.75 | $10.95 | $13.78 | | | 21st century | $4.55 | $5.90 | N/A | $6.55 | N/A | $8.30 | $10.50 | | | 86+ | ETFS | $8.85 | $11.44 | N/A | $13.78 | N/A | * | * | * | | | TU | $9.40 | N/A | $12.21 | N/A | $14.65 | $15.81 | $19.13 | $23.13 | | | 21st century | $8.75 | $11.25 | N/A | $13.25 | N/A | N/A | N/A | N/A |
友情提醒:
如果你们在登陆前购买没有等候期, 一上飞机就受保. 如果在登陆后购买, 则至少有48小时的等候期.
购买此保险,我需要知道下面信息:
A. 受保者信息: 姓名，性别，生日, 何种计划(多大的保险额度).
B. 行程信息：(抵达日期) ，生效日期，结束日期；
C. 相关联系信息：加拿大的地址，电话.
D. 付款方式: 信用卡（国内的信用卡也可以）或支票/现金.
我们做完保单后,您马上就会收到一封电子确认信.2-3天之后你会收到我们公司邮寄的package, 里面包括confirmation of insurance, policy wordings, Brochure, claim form等.
Albert Zhou, MBA, CFP
416-834-9204
zhouwanmao@hotmail.com
[ 本帖最后由 albertzhou 于 2008-7-2 16:50 编辑 ] |
