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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 ۲۰ 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 ۱۰۲۴ 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
