【2026年】線上投保 加拿大當地留學生、旅遊和打工度假醫療保險申請，理賠項目? 投保金額?

以下各項的費用不超過保單限額：

• 住院或門診護理的急診治療
• 醫師的服務
• X 光檢查和化驗服務
• 租借或購買必要的醫療器具
• 私人護理的費用上限為 $20,000

住院後如有醫療必要性，在康覆機構接受急診治療的費用上限為每天 $250，最多 7 天

與骨折有關的治療費用上限為 $1,000。福利包括：X 光檢查、覆檢醫師就診、石膏鑄造重鑄和石膏

前往驗光師或眼科醫師處接受一次常規眼科檢查 (須購買180天保險期、不可中斷)

如果因事故或受傷而需要，費用上限為 $200

單次常規檢查或一次移民體檢的費用上限為$150元 (須購買180天保險期、不可中斷)

牙科事故最高上限為$6,000元

其它任何牙科緊急情況的費用最高上限為$600元

阻生智齒按每顆牙齒的費用上限為$150元
(所有治療行為須於90天內結束、且須於投保期間內進行)

最高上限$25,000元

包含產前護理、預產期前後9週內出現與妊娠相關的併發症、非自願終止妊娠

費用上限為保單限額。如有醫療必要還包括：符合資格的醫務護理人員的費用、航班座位升級

最多一張返回永久居留國立即接受治療的單程經濟艙機票

準備和歸還遺體的費用上限為 $25,000

在死亡地點埋葬或火化的費用上限為 $15,000

一位家人認領屍體的交通運輸費用上限為 $5,000，每天的膳食和住宿費用上限為 $400(最多$2000補助)

肺結核測試及在連續12個月期間疫苗接種或免疫接種的最高賠償額為$150元 (須購買180天保險期、不可中斷)

受保人可購買意外死亡與傷殘可選保險以提高承保限額，如下所述：

航空公司/公共承運人 – 最高 $100,000

24 小時意外 – 最高 $25,000

Up to the policy limit for:

• Emergency treatment for in-patient or out-patient care
• Services of a physician
• X-rays and laboratory services
• Rental or purchase of essential medical appliances

• Up to $20,000 for private duty nursing

Up to a 30-day supply following an emergency

Note: The cost for one morning-after pill is also provided once during a 12 consecutive month period if the insured has purchased a 365-day policy

One visit to an optometrist or ophthalmologist for a general eye examination

Note: This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy

Up to $150 for one general check-up or one immigration medical examination in lieu

Note: Coverage is also provided for preventative screening tests. This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy

Up to $25,000 for:

• Pre-natal care
• Complications related to pregnancy that arise within the 9 weeks before and after the expected due date
• Involuntary termination of pregnancy

• Up to $6,000 for dental accidents
• Up to $600 for any other dental emergencies
• Up to $150 per impacted wisdom teeth
• Note: All treatment must be completed within 90 days after the treatment began and within the period of coverage

Up to $1,000 per incident per practitioner for the services of a:

• Physiotherapist
• Chiropractor
• Chiropodist
• Osteopath
• Podiatrist
• Acupuncturist
• Naturopath
• Speech therapist

Up to $2,000 combined for all practitioners per incident for the services of a:

• Psychiatrist
• Psychologist
• Clinical counsellor
• Psychotherapist
• Nurse psychotherapist
• Social worker

• Up to $25,000 for preparation and return of the body
• Up to $15,000 for burial or cremation at the place of death
• Up to $5,000 for transportation costs for one family member to identify the body, and up to $400 per day to a maximum of $2,000 for their meals and accommodation

When an insured is hospitalized, this benefit includes:

• Up to $5,000 for one round trip economy airfare or ground transportation costs for a family member or friend to be at their bedside
• Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses

$10,000

Insureds can purchase the Accidental Death and Dismemberment Optional Coverage to increase the limits of coverage as follows:

• Air flight/common carrier – $100,000
• 24-hour Accident – $25,000

Up to $150 for:

• Vaccinations of any kind
• Tuberculosis testing*

Note: This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy

*Coverage for tuberculosis testing is not available if the testing is mandated by the school board or school

Up to $100

Note: This benefit is available once during a 12 consecutive month period if the insured has purchased a 180-day policy

Up to $1,000 for treatment related to fractures. This benefit includes:
X-rays
Re-examination physician visits
Medically necessary casting and re-casting
Cast removal

Note: This benefit is only available in lieu of the Airfare to Return Home for Treatment benefit

Up to a one-way economy airfare to return to the country of permanent residence for immediate treatment*

Note: For fracture claims, this benefit is only available in lieu of the Fracture Treatment benefit * Treatment must be required within 10 days of returning home

When the insured is not medically fit to drive back to their home country, this benefit includes: Up to $1,000 for a commercial agency to return the vehicle or up to a one-way economy airfare plus gas, meals and accommodation for a family member or friend to pick up and return the vehicle

Up to $200 if required because of an accident or injury

Note: Includes the cost to repair existing glasses or hearing aids