國際學生醫療保險
International Student Medical Insurance
給您保障的加拿大健康保險
Canadian Health Insurance; Protection for You
在加拿大就讀期間如果與到急病或需要緊急醫療，可能對您的學習構成嚴重影響。若然沒有足夠的保險，醫療開支更可對您和您的家人構成嚴重影響。有些醫院甚至不肯收容沒有適當醫療保險的病人。就算醫院肯收容，也可能收取天文數字的費用。
Unexpected emergency medical treatment is the single most expensive hidden cost you could get hit with while studying in Canada. Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day, with many Canadian hospitals charging a service fee to patients not covered under a provincial health care program. Without insurance, you and your family would be responsible for these high costs, which can crate a significant financial burden.
既然可以購買最全面又化算的保險保障自己，有何必冒財政災難之險？
誰有資格投保本保險？
- 為取得投保資格，您在加拿大的學校、學院、大學或經立案的教育機構中選的課程，至少需登記一般選可要求的６０％
- 您也必須是加拿大的暫時居民
- 如果您以完成學業，並在加拿大工作（再您所學領域，最多一年），您也具有投保資格
- 您可在保單中加保您的配偶及子女
Who is eligible for this insurance?
To be eligible, you must:
- Be enrolled for a minimum of 60% of the usual course requirements in a Canadian school, college, university or accredited educational institution
- Be a resident of Canada on a temporary basis
- Have completed your studies and remain up to a year in Canada to work in the field of your studies
- You can insure your spouse and children under your policy
醫療保險是否有年齡限制？
保障對象為出生滿十五天到六十四歲之個人。
Are there age limits?
- Coverage is available for persons from 15 days to 64 years of age.
我想待久一點，我能購買更多保險嗎？
可以，您可以依據保單上的約款及條件辦理。請在保單到期前聯絡您的代理經紀或TIC。您必須身體健康，且未對TIC提出過任何索償或造成任何損失。
I want to stay longer, can I purchase further coverage?
- Yes you can. Please call your agent or TIC prior to expiry of your policy.
本保險是否會保障我在加拿大外的旅遊行程？
是的，您於加拿大的遊行程中所發生的急性緊急病症或傷害亦受保障，保障時間最常三十日。
Will this cover me for trips outside Canada?
- Yes, you are covered for acute emergency sickness or injury on trips outside of Canada up to 30 days in duration
如果我患病或受傷該怎麼辦？
專業的緊急支援服務及理賠人員，二十四小時一星期七天為您提供協助。TIC資深及會多種語言的服務人員，會於醫院確認您的保障範圍，安排緊急醫療救援、協商付款，如需要，會連絡您的家庭醫生與親屬。我們隨時在此提供協助。
What if I get sick or injured?
- Our professional emergency assistance and claims personnel are available to help you 24 hours a day, 7 days a week.
如何提出理賠申請？
請完整填寫理賠申請表，或在TIC的網站上進行理賠申請。
How do I make a claim?
- Please fill out the claim form completely or you can start a claim online at our website
理賠項目
住院及醫療服務：
- 半私家醫院在您住院期間所提供的病床，合理、按慣例的服務，與必要的補給
- 取得合法證照之內科醫師、外科醫師、麻醉師，或經登錄之結業護士所提供之服務
- 診斷、實驗室試驗及X光檢驗
- 累計總額上限一萬元：本地陸上救護車；經登錄結業護士提供之私人看護；物理治療師、整骨醫生、手足病醫生、足科醫師，或脊椎治療師所提供的服務；拐杖、輪椅或醫院式病床的租金；夾板、托帶、支架，或其他義肢性裝備的費用；初次購買敷料、義肢、義眼或其他醫療裝備的費用；氧氣及公氧設備的租金；血液及血漿
- 門診處方藥或藥物治療費用的80%。受保人住院時使用的處方要記藥物治療的費用會全部理賠
Benefits
Hospital & Medical services
- Services of a legally licensed physician, surgeon, anaesthetist or registered graduate nurse
- Diagnostics, lab tests and x-ray exams
- Up to an aggregate limit of $10,000 for local land ambulance; private duty services of a registered graduate nurse; services of a physiotherapist, osteopath, chiropodist, podiatrist or a doctor of chiropractic; rental of crutches, wheelchair or hospital-type bed; the cost of splints, trusses, braces or other prosthetic appliances; initial purchase of casts, artificial limbs, eyes or other medical appliances; oxygen and rental of equipment for its administration; blood and blood plasma
- Prescription drugs or medications for out-patient use will be reimbursed at 80% of the costs incurred
- Prescription drugs and medications are covered at 100% when the insured is hospitalized
產婦理賠項目(當購買家庭保障時)
於保單生效日之後懷孕者：受保母親因懷孕、生產、流產及於其相關之併發症所生住院病床費用或內科醫生提供之服務或治療費用的80%，每次懷孕最高賠償額二萬五千元
經TIC書面同意後，新生兒自出生後十五天起即受保障
Maternity benefit
When pregnancy commences after the effective date of the policy: 80% of costs incurred by the insured mother, up to $25,000 per pregnancy as the result of her pregnancy, childbirth, miscarriage, or complications related thereto for hospital accommodation and services or treatment by a physician
Newborns will be covered from 15 days of age following written approval by TIC.
視力檢測
由驗光師進行的年度例行檢測
Eye exams
One routine annual exam by an optometrist
意外牙齒治療
全齒或健康本生牙齒因臉部遭意外重擊所受損害的治療或服務－最高理賠一千元
Accidental dental
Treatment or services to whole or sound natural teeth which are damaged as a result of an accidental blow to the face – up to $1,000
智齒
為拔除智齒所進行之必要齒科及／或口腔手術，每顆最高理賠一百元
Wisdom teeth
Extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures
緊急牙齒醫療
為非因臉部遭重擊所產生之急性牙痛所採取的舒緩措施，最高理賠五百元
Dental emergencies
Treatment for the immediate relief of acute dental pain caused by other than a blow to the face, up to $500
意外死亡及殘廢
因保險期間內發生之意外傷害直接造成死亡、失肢或失明，最高理賠一萬元。請參閱保單文件以確定保險涵蓋項目
Accidental death & dismemberment
Up to $10,000 for loss of life, limb or sight resulting directly from accidental injury occurring during the period of coverage (Please see the policy document for the schedule of coverage)
送返原居地
當保險所涵蓋之疾病或傷害致使收保人有必要立即返回原居地，或有繼續進行醫療照護之必要時之單程運送，最高理賠三千元
Return home
One-way transportation to the insured’s country of origin if a covered sickness or injury necessitates the immediate return of the insured, or if continuing medical care is required; up to $3,000
運送遺體
若然受保人身亡，可獲最高賠償額一萬元把遺體運送回原居地；或最高賠償四千元以用作於死亡發生地點進行火葬或土葬
Return of deceased
In the event of death, up to $10,000 to return the insured to their country of origin, or up to $4,000 for cremation or burial at the place of death
保障範圍不包括那些？
本保但並未保障一切事故，請先仔細閱讀並了解相關事宜。
以下是一般不承保事項的簡短摘要（如需完整條款及細則，請聯絡我們或遊覽TIC網站）：
- 任何以出現症狀的疾病、傷害或醫療狀態，而尚未進行診斷或需要以下任一或全部情況者：於保險生效日前進行的醫療諮詢、處方藥治療、醫療行為或住院（當保險係在於學院或大學註冊後超過30天才提出時）
- 當本保險係為任何尚未進行診斷之疾病、傷害或醫療狀態所購買，或旅行係以得到醫療或醫學上建議為目的時
- 於損失、死亡或傷害發生之場合，如於損失、死亡或傷害發生時，有證據證明受保人於當時係受到，或造成損失之醫療行為係因使用酒精、禁藥、或任何其他麻醉品所造成；未採用規定的治療或醫療方式；或不當使用藥物治療
- 任何因在保險生效前已存在之傷害或疾病，或健康狀態所導致至預期的醫學治療或住院
- 自然療法、全身療法或針灸
- 任何在加拿大境外發生之損失。單與保險期間內，受保人在時間短於三十天的旅程中因疾病或傷害所導致的緊急住院及其他在保險項目內之緊急醫療費用損失仍予理賠
What is not covered?
This policy does not cover everything. Please carefully read and understand the exclusions, conditions and limitations.