Insurance that new immigrants in Canada need to buy.

1, temporary medical insurance

It is very expensive to see a doctor in Canada. You have to pay for diagnosis, medical treatment, examination and hospitalization. The way is to buy temporary medical insurance before or when logging in, so as to avoid bringing financial burden to the family in case of accidents. Medical insurance is not expensive. This kind of insurance premium is calculated in days, and the insurance premium varies according to the age and type of insurance. The lowest insurance premium is only 1 yuan per day. It also includes all basic medical services. For new immigrants who have not received Canadian medical insurance, it is suggested to buy temporary medical insurance as much as possible to solve the sudden medical expenses.

2. Car insurance

If you decide in Canada, you may start to consider buying a house and a car. At this time, auto insurance and home insurance are legal requirements that you must buy. When you buy your beloved car and rush to take it home, be sure to insure it before driving.

The contents of auto insurance in Canada are basically the same as those in China, but there are two major differences.

First, if the driver has no accidents in that year, the premium can be discounted in the coming year, with a maximum premium of 4.3 fold; On the contrary, if there is an accident due to your own responsibility, the premium will rise next year.

Second, the amount of compensation for third-party liability insurance in insurance is1-3 million Canadian dollars, and usually the insurer will choose 3 million Canadian dollars. Take a new car of 50,000 Canadian dollars as an example. If all basic items are included, the vehicle insurance premium is about 65,438+0,600 Canadian dollars/year.

3. Family insurance

Family insurance is divided into comprehensive insurance and basic housing insurance.

When purchasing home insurance, the insured shall declare the basic value of the house and construction equipment, such as building materials, car size, number of toilets and whether there is interior decoration on the land.

In addition, if the owner rents the house to others, he also needs to report to the insurance company, and the insurance company is not responsible for the loss of the lessor's property.

Insurance companies do not encourage cloud synchronization to vacate the house at home, because the house has been empty for more than 4 days and needs someone to look after it. If the house is empty, the water pipe is broken or the property is stolen, the insurance company is not responsible for compensation.

4. Life insurance

When your life in Canada is stable, you should start to consider buying life insurance to avoid losing your family's financial support in case of an accident. Compensation from the insurance company can solve the family's financial difficulties. Now life insurance is not only this function, but also can integrate investment insurance and become one of the financial plans of many families.

2. Canadian federal EE scoring system

The federal EE scoring system is divided into spouses and spouses, and scores are calculated respectively. If the spouse's education and IELTS are not high, and the working years are relatively short, the single score will be higher, so some applicants will choose their spouse not to accompany them to apply for immigration.

In fact, there are many ways to add points, which can make the applicant successfully selected, as follows:

1, get the Canadian nomination certificate, you can add 600 points.

In other words, no matter which project the applicant takes, he can directly add 600 points after being nominated by the province and taking the federal EE channel. However, many applicants are placed in the province and directly submit federal applications without going to the talent pool.

2, get a job offer in Canada, you can add 50 points.

This bonus is suitable for applicants with a distance of 470 points and less than 50 points.

3. Get an offer from NOC00 senior management professional employer, plus 200 points.

This extra point requires applicants to find a senior management job in Canada, but it is difficult for most foreign applicants to match this kind of job. Therefore, it is suggested that the applicant can join or start a business in Canada by himself and successfully get this 200 points.

3. Costs and Frequently Asked Questions of Canadian Immigrants Buying Cars

First of all, the extra cost of buying a car in Canada

1, consumption tax

The prices seen or displayed in the exhibition hall are all car prices, and the consumption tax in different provinces ranges from 6% to 15%.

2. Miscellaneous expenses for new cars

Freight, PDI pre-sale inspection record fee, aviation tax, tire tax, OMVIC and AMVIC supervision fee are all taxable. The import transportation fee is generally around 1500-2000 Canadian dollars. Aviation tax 100 Canadian dollars, tire tax is between 30-40 Canadian dollars.

3, car insurance costs

Third-party liability insurance, accidental injury compensation and direct material compensation are the contents of compulsory auto insurance, and any owner must buy them.

Second, Canada frequently asked questions about buying a car

You can buy a car without a driver's license in Canada, but the dealer may not let you pick it up. For example, driving on roads in Ontario requires car insurance, owner's license, license plate and valid stickers. You can't do without a driver's license.

2. Car maintenance in Canada includes fuel costs, auto insurance, parking fees, driving license and license-related expenses, car purchase tax, maintenance fees, fines for violation of regulations, etc. According to statistics, the average cost of a car is around 9500 Canadian dollars, but it fluctuates greatly according to the model, configuration and condition of the car.

3, pick up the car in Canada, you can pick up the car quickly if you have a car, it depends on the situation if you don't have a car. For example, in Ontario, it usually takes two to three days to pick up the car if it meets the three prerequisites of the Ontario Highway Law on the premise of having a car.