Introduction of three major insurances for Canadian immigrants

As a family's daily living expenses, insurance is a very common consumption in Canada. Insurance expenditure mainly includes the fo

Introduction of three major insurances for Canadian immigrants

As a family's daily living expenses, insurance is a very common consumption in Canada. Insurance expenditure mainly includes the following categories: home insurance, automobile insurance and medical insurance.

I. Family insurance

Usually only the owners of independent houses will buy home insurance alone, and the housing insurance premium for apartments and urban houses has been included in the property management fee. The main scope of family insurance mainly includes:

1) Property insurance: Property insurance includes the house itself, private property in the house and temporary living expenses when the house is rebuilt or repaired;

2) Third-party liability insurance: refers to the third-party accident in private houses or land, and the insurance company can compensate according to the insurance contract.

Take a 300-square-meter detached house as an example, the annual expenditure in home insurance is about 2,000 Canadian dollars.

Second, automobile insurance.

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.

Third, medical insurance.

Canada's universal health insurance has always been one of the Canadian benefits envied and envied by many people in China. What needs to be corrected is that Canada's universal health insurance is not universal free health insurance, and the monthly basic insurance premium is still to be paid.

Unlike domestic medical insurance deducted from wages, Canadian medical insurance needs to be paid separately. Medical insurance is 58 Canadian dollars per person per month, two-person families are 102 Canadian dollars per month, and families with more than three people (including) are 1 14 Canadian dollars per month. Canada's national health insurance does not cover the cost of dental care, which is expensive. Take tooth cleaning as an example, the cost is about 150 Canadian dollars/time.