کاستکو و بیمه مانیولایف

هر گردی گردو نیست …

بر حسب اتفاق،  پستی درخصوص بیمه  ویزیتور به کانادا و نظرات عده ای را درسوشیال مدیا  دیدم، من با توجه به احاطه و تجربه و دانشی که در این زمینه بیش از 16 سال دارم و از انجا که سناریو هر کسی متفاوت است ، پیشنهاد می کنم  قبل ازهراقدامی، هرگونه  تقاضای بیمه  جداگانه  بررسی شود و حتی بهترین کمپانی گاهی در مقایسه با کمپانی دیگر ممکن است قادر به پوشش نباشد  و دلیل آن هم چیزی نیست جز پالیسی بیمه نامه وشرایط شخص متقاضی،  چرا که حتی یک کمپانی با یک اسم با ورژن های متفاوت، پوشش های متفاوت ارایه می دهد.

خوب به یاد دارم اشاره به کمپانی مانیولایف  شد و ان هم خرید از کاستکو، به درستی عرض می کنم از اینکه کاستکو طبق قراردادی به افراد مشترک خود به ظاهر تخفیفی می دهد شکی نیست ، ولی بی شک مانیولایف  صادره از کاستکو با مانیولایف صادره توسط ایجنت و یا بروکر متفاوت است و دلیل آن، همان قرارداد فی مابین کاستکو و مانیولایف است.

 این تفاوت به گواه خود شرکت مانیولایف در 1024 کلمه است و همانطور که مستحضرید بیمه  یک قرار داد حقوقی است، خیلی از مردم بی توجه هستند و بماند که این بی توجهی گاه به خاطر دانش و تجربه و تخصص هم است. چقدر خوبتر می بود در صورت سوالهای تخصصی، دوستان که حسن نیت دارند در هر رشته ای  به افراد متخصص معرفی کنند. و دراینجا به این موارد بدون ترجمه و دست بردن به متن اصلی صادره از مانیولایف می پردازیم

Comparing Broker Travel with Costco Travel

Visitors to Canada

When the policy starts

Broker:

When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport. – SAME Applies for returning home

  • – the effective date of insurance as shown on your confirmation; or
  • – the time and date you arrive in Canada from home. Except for losses resulting from any injury, coverage will begin 48 hours after the effective date if you purchase your policy:
  • after the expiry date of an existing Manulife policy; or
  • after you leave home.

Costco:
Your coverage startson the later of:

a) the effective date of insurance as shown on your confirmation; or

b) the time and date you arrive in Canada from home.

Waiting Period:

Except in the case of an injury, the applicable waiting period applies to all claims if you purchased insurance after your arrival in Canada.

Broker:
48 hour waiting period if you purchase a new policy after the old one expires or you have already arrived in Canada

Costco:
a) the 48-hour period following and including your effective date of insurance if your effective date is within 30 days of arrival in Canada;

b) the 8-day period following and including your effective date of insurance if your effective date is more than 30 days after arrival in Canada.

Family Coverage:

Broker:
Family members 60 and under

Costco:
Family members 54 and under

Paramedical Services:

Broker:
$70 per visit to a max of $700 for a covered injury

Accidental Dental:

Costco:
Up to $300 per profession – Does not include acupuncture like broker policy

Costco:
$300 pain relief, $3000 for accidental blow to mouth

Broker:
$300 pain relief, $4000 for accidental blow to the mouth

Bringing someone to your bedside

Costco:

Broker:
Hospitalized for 5 or more days and travelling alone we will pay up to $3000 return economy ticket with $500 for hotels meals

Hospitalized for 3 or more days and travelling alone we will pay up to $3000 return economy ticket with $300 for hotels meals

Hospital Allowance:

Costco:
N/A

Broker:
If you are hospitalized for more than 72 hours, we will reimburse up to $100 for each 24-hour period to a maximum of $300 for telephone and television out-of-pocket expenses incurred by you when hospitalized. Expenses must be supported by original receipts.

Travel Accident:

Broker:
Included in the policy

Travelling Canadians:

Costco:
Optional rider

Overall Coverage Amount:

Broker:
$ 10 million per person

Costco:
$5 million per person

Family Coverage

Broker:
Emergency Medical Family Coverage rates are based on the eldest traveler under 60 years of age:

  • 1.5 X the premium for one parent/grandparent travelling with children/grandchildren;
  • 2 X the premium rate for two parents/grandparents travelling with dependent children/grandchildren;
  • 3 X the premium for three generations of parents/grandparents with dependent children/grandchildren.

Costco:
2 X the premium rate for two parents/grandparents travelling with dependent children/grandchildren

Expenses for paramedical services

Broker:
$70 per visit combined max of $700 for a covered injury

Costco:
Up to $500 per practitioner

Return of excess Baggage

Broker:
When approved in advance by the Assistance Centre, up to $300 for the return of your excess baggage. This benefit is payable if you return home under Benefit #7 or #8.

Costco:
N/A

Childcare Expenses:

Broker:
We will pay up to $75 per day to a maximum of $500 for childcare costs incurred by you during your

Costco:

trip to care for your children travelling with you and remaining with you at destination while you are hospitalized as an in-patient during your trip. Original receipts from the professional childcare provider are required and the professional childcare provider must be someone other than immediate family or a travel companion

N/A

Expenses to return your travel Companion

­Broker:
We will cover the extra cost of one-way economy class airfare via the most cost effective

itinerary, to return your travel companion (who is travelling with you at the time of your emergency and insured under our travel insurance plan) home, if you are repatriated or evacuated under Benefit #7 or 8 above

Costco:

N/A

Expenses to return your vehicle home

Broker:

Will cover up $3000 to return your car used for the trip if you’re medically unfit

Costco:

Will cover up $2000 to return your car used for the trip if you’re medically unfit

Hospital Allowance:

Broker:
When you are hospitalized for 48 hours or more due to sickness or injury during your trip, we will reimburse

you $50 per day up to $300 per policy for your telephone, parking and television out-of-pocket expenses. Expenses must be supported by original receipts.

Costco:
N/A

Return to Original Trip Destination

Broker:

 If you are returned to your province or territory of residence under Benefit #8 (Expenses to bring you home) and the attending physician determines that the treatment received in Canada resolved the emergency and

that no further treatment is required, we will reimburse up to a maximum of $5,000 for a one-way economy flight to return you and one insured travel companion to the original trip destination. This

benefit is available only if the return to destination occurs during the dates of the original trip and if the Assistance Centre has approved your return under your existing policy. A subsequent recurrence or

complication of the condition that resulted in you being returned home is excluded under this policy.

Costco:

N/A

Stability Periods:

Broker:

Rate Category A: 3 month stability

Rate Category B: 6 month stability

Rate Category C: 6 month stability

Costco:

Rate Category A: 3 month stability

Rate Category B: 6 month stability

Rate Category C: 12 month stability

Trip Cancellation/Interruption (Stand Alone):

Can be purchase at any time to a max of $20,000

Broker:

Costco:

Must purchase within 7 days of booking your trip to a max of $12,000

Multi Trips:

Broker:

Options available 4, 10, 18, 30 and 60

Costco:

Options available 4, 10, 18, 30