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Ready to choose a plan?
Why is Accident & Health Insurance important?
Our Accident & Health Insurance covers Accident & Sickness plans and Health & Dental Plans.
Our Accident & Sickness plans help provide financial support for you and those you care about in the event of an eligible accident, illness, death, or disability.
While the Health & Dental plans help to cover routine as well as unexpected health-related expenses.
Explore our plans below and choose the coverage that best suits your needs.
Explore our Accident and Sickness Insurance Plans
|
Critical Accident Recovery Plan |
Accidental Death Insurance Plan |
Accident Disability Insurance Plan |
Critical Illness Recovery Plan |
|
|---|---|---|---|---|
|
Plan description |
This plan can provide a tax-free lump sum benefit should you suffer from an eligible critical accident resulting in an injury covered in your insurance certificate. |
This plan can provide a tax-free lump sum to help support your family financially should you pass away due to a covered accident. |
This plan can provide a tax-free monthly benefit to help replace lost income if you were to become disabled as a result of a covered accident and are unable to work. |
This plan can provide a tax-free lump sum benefit to help financially support you if you are diagnosed with a life-threatening cancer, heart attack or stroke. |
|
Benefits |
Up to $100,000 for a covered critical accident depending on the severity of your injury. |
Your beneficiaries could receive a payment ranging from $50,000 to $250,000. |
You could receive a monthly benefit of $500, $1,000 or $1,500 up to 24 months if you become disabled within 90 days of the accident. |
You could receive a benefit ranging from $5,000 to $50,000. |
|
Age Eligibility |
18 to 64 |
18 to 65 |
18 to 60 |
18 to 54 |
|
Medical or health questions |
No |
No |
No |
Yes |
|
Family coverage |
Yes (Spouse2 and Dependent Child(ren)2 coverages are available) |
Yes (Spouse2 coverage is available) |
No |
No |
|
Product Availability |
Eligible TD customers only |
Eligible TD customers only |
Eligible TD customers only |
All eligible TD and non-TD customers |
|
Detailed Product Information |
The above information is intended as a summary only.
Ready to choose a plan?
Please refer to the below Sample Insurance Policy/Certificate for defined terms and a full description of features, benefits, limitations and exclusions.
Health & dental plans provided by Green Shield Canada (GSC)2
Frequently asked questions
1. How do I submit an Accident and Sickness claim?
Claim forms are accessible from our website at tdinsurance.com or by calling us at 1-877-397-4187 from Monday to Friday 8 a.m. to 10 p.m. EST and Saturdays 10 a.m.to 6 p.m. EST.
2. Are there any exclusions to Accident and Sickness coverage plans?
There are some situations where a benefit won't be paid, including self-inflicted injuries, suicide, criminal activity, and the use of illegal drugs or substances.
Please refer to the following Sample Insurance Policies/Certificates for a full description of features, benefits, limitations, and exclusions with our coverage plans.
- Critical Accident Recovery Plan
- Critical Illness Recovery Plan
- Accidental Death Insurance
- Accident Disability Insurance
3. What is the definition of an accident?
An accident, as defined under our Accident & Sickness Insurance plans, is a bodily injury that occurs as a direct result of a violent, sudden and unexpected action from something external to you.
This definition of accident does not include:
- Any illness, medical condition or congenital defect.
- Injuries resulting either directly or indirectly from any illness, medical condition or congenital defect.
4. What if I'm already covered for accident and health insurance under another plan?
Our plans could provide benefits on top of your other coverage benefits, depending on your needs.
5. What is the main difference between Accidental Death, Critical Illness and Life Insurance?
Accidental Death Insurance provides a lump sum benefit to the named beneficiary(ies) or estate if a covered accident leads to the death of the insured person.
Critical Illness insurance provides a lump sum benefit to the person insured if they are diagnosed with one of the illnesses covered under the plan.
Life Insurance pays a lump sum benefit to the named beneficiary(ies) or estate on the death of the life insured, regardless of the cause of death, with some exceptions.
Learn more about Accident and Health Insurance
The TD Critical Accident Recovery Plan, TD Accidental Death Insurance Plan and TD Accident Disability Insurance Plan are group insurance plans. The TD Critical Illness Recovery Plan is an individual insurance plan. All plans are underwritten by TD Life Insurance Company and distributed by TD Assurance Agency Inc. Mailing Address: TD Life Insurance Company, P.O. Box 1 TD Centre, Toronto, Ontario M5K 1A2
1For defined terms, limitations and exclusions, refer to the applicable Insurance Certificate or Policy
2GSC Health Assist plans are provided by Green Shield Canada (GSC)
GSC, GSC Health Assist, GSC Health Assist ZONE, GSC Health Assist LINK and respective logo designs are registered trademarks of Green Shield Canada.
® Trademarks of Green Shield Canada. © 2023 Green Shield Canada. All rights reserved.