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
• Accident 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.