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Notice to the insurance card - eight types of documents

2019-03-28 22:32

Keep the eight documents of PR Card
 
Keep PR card must be prepared and saved in eight aspects of the certificate. The eight documents are as follows:
 
1. Landing paper (more important immigration documents)
 
After all the applicant's information and conditions are qualified, the Canadian Immigration Department will issue an “immigrant visa” to the applicant, and at the same time issue a document (in the form of a piece of paper), also known as “immigration paper”, because this paper needs to be It was used when landing in Canada for the first time, so it is also called "landing paper." The document number of the immigration paper in the Canadian Immigration Service was earlier in the IMM 1000 and the subsequent document number was IMM 5292.
 
“Immigration Paper” is the more important immigration document for applicants. There is no time limit for immigration paper. In other words, it is a more important document to prove the immigration status of the applicant, which is equivalent to the household registration book in our family. Be sure to save it.
 
The first time you land in Canada, you must hold the immigration paper. The applicant can successfully leave the country of origin (China) and enter the Canadian customs or port to register, which is called “entry landing”.



Only after landing can you count as a permanent resident of Canada.
 
According to the laws of Canada, “permanent residents” have the same rights as Canadian citizens in business employment, study and training, social and medical benefits, in addition to not being able to participate in elections and voting. They should also bear the same rights as Canadian citizens. Obligations, such as paying taxes and complying with the law.
 
2, PR Card (Import Visa Entering Canada)
 
PR Card System was implemented by the Canadian Immigration Service since 2002. PR Card is a new, plastic material card that is as large as a wallet and has a number of security features. The card has a laser-engraved photo and signature and contains the cardholder's appearance characteristics such as gender, height and height. Eye color, etc., and PR card contains a high-tech design that is more sophisticated than the bank's financial card tape. It contains all the data needed for permanent resident identification. Only authorized officials can read the data. It is not It will be used to track the cardholder's activities, so it has the role of protecting the cardholder's privacy rights. Since January 1, 2004, PR Card will completely replace the old-style immigration paper, get rid of big and not easy to carry, and easy to be altered, photocopied or fraudulent.



 

Under the Canadian Immigration Act, the Canadian PR Card is valid for five years from the date of the Spontaneous Card. All Canadian permanent residents must have accumulated 730 days in Canada. A person holding a PR Card must accumulate for two years within five years of the card's validity period, and will continue to perform this residency obligation as long as he or she has not become a citizen. Regardless of whether you apply for PR Card for the first time or reapply for the second PR Card after the expiration of the next five years, you must pass the “residence test”. Anyone who holds a permanent residence status in Canada must fulfill the residency obligation for 730 days in any five-year period. Above, according to the Canadian New Immigration Law, immigrants are allowed to join, and must be within five years.
After two years of residence, the immigration status will be cancelled.
 
3, driver's license (equivalent to domestic ID card)
 
Driver's license is a very important photo ID in Canada. Almost everyone has a driver's license as proof of identity when all need to provide proof of identity. It is similar to the role of a domestic ID card. Therefore, when receiving a PR Card, the driver's license is an optional identification. Other identifications can be replaced by a medical card or a student ID card. However, the driver's license is relatively easy to obtain. Therefore, it is recommended to change PR card, it is better to test a driver's license, do not worry about your driving skills, in Ontario, applicants can get a more junior driver's license by driving test, the primary driver's license is also a driver's license, also with photos It can also be used as proof of identity.
 
Drivers handbooks in various provinces in Canada
 
In Canada, Driver's License holders must be at least 16 years of age. If it is not a professional driver, the type of driver's license is usually "G". With this driver's license, you can drive cars, minibuses and minivans, but you can't drive large passengers, trucks or motorcycles.


 
   

If the applicant already has a Chinese driver's license, he or she can continue to use it in Canada for a while. During this time, you should prepare for a local driver's license and ask the driver service center or traffic management department in your area for free and ask for the Safe Driving Guide. Sometimes you can buy Chinese at the local Chinese bookstore. Version.
 
It is important to drive in Canada to stay. The procedures and regulations for driving licenses in different cities are different. This requires the applicant to carefully read the relevant laws and regulations, and ask some knowledgeable relatives and friends to solve this problem.
 
The requirements for driving a driver's license in different provinces in Canada are different. Ontario's driver's license test procedures and requirements have changed dramatically in recent years. The current examination method is more complicated and more difficult.
 
To test your driver's license in Ontario, you must first pass the written test (theoretical test) and then take the road test. The written test mainly includes traffic rules and traffic signals and signs, and does not take mechanical knowledge. A familiar driving guide can help you pass the written test. The pen test paper is a multiple choice question. Sometimes I answer questions through a computer. If you can't pass it, you can take it back after you go back to preparation. After passing the theoretical examination, a vision test is also required. Then you can get a "learning driver's license", also known as a temporary driver's license (G1). With this driver's license, you can practice driving while accompanied by an adult with a formal driver's license. The accompanying coach must have more than 4 years of driving experience. In most cities, there is generally no training ground like China, and there is no such training as “drilling”. Instead, the first time I drove on the real road, I was integrated into the traffic on the street. In Ontario, drivers who study driving licenses have to wait a long time to get on the road test. If the applicant participates in a formal driving school course, he or she can take the road test after 8 months. For beginners who do not participate in the driving school, they must practice waiting for at least 12 months. After passing the road test, you can get a driver's license (G2) that can be driven by a coach without a coach. Drivers with G2 have restrictions on driving at night and on the highway. In another 12 months, you will pass a comprehensive road test and pass the formal (G) driver's license. If the applicant already has a Chinese driver's license and has more than two years of driving experience, he can apply for a formal G driver's license immediately after passing the theoretical test. If you pass, you can use G1 to directly participate in the G2 road test without having to wait for a long time. . If you are driving for more than one year, you can directly participate in the G2 driver's road test by G1.
 
The provinces have different regulations for driving licenses. In some provinces, the driver's license test is relatively simple. In Quebec, you must first register a driving school. Regardless of whether the applicant actually goes to class or not, as long as you have mastered the contents of the textbook, you can take a theoretical examination conducted by the government. The government does not allow people who have not registered with the driving school to take the written test. After passing the written test, you can get a Temporary Driver's License, also known as Learner's Permit. With this temporary driver's license, the applicant can practice on the road accompanied by a driving school teacher or someone with a formal driver's license. When the applicant is trained to pass the road test. In Ontario, driving school is not a must. Driving schools in Canada are generally open to private individuals, small in scale and not expensive. Usually around three or four hundred dollars. Whether it is a driving school coach or a private driver, teaching cars are generally on the same road as normal vehicles. There are very few specialized training grounds. In order to remind others, you can indicate the word "Student Driver" on the car.
 
The traffic rules of the provinces are also different. For example, Quebec does not allow a right turn when a red light is in place; BC requires that the left turn does not take precedence when the green light flashes, and these are not the same as Ontario.
 
It is necessary to help friends who are familiar with local driving rules or coaches of driving schools to help on the road. The new driver needs to be fully trained to ensure that the road test passes. If it is a new driver, the grasp of passing the road test for more than 30 hours is relatively large. The road test must be agreed in advance. When you pass the road test, you must bring proof of identity and road test fees (depending on the province and time). The road test process takes approximately 15 minutes to 30 minutes. When using the road test, it is better to use the automatic gear instead of the manual gear, so it is easy to concentrate and pass. Before the road test, it is good for me to familiarize myself with the test section by driving. Only the "light car is familiar with the road" can win the battle.
 
Be mentally concentrated but not nervous, relax and not be slow. When the road test, any "dangerous action" will lead to failure. If no so-called dangerous action occurs, the number of points is counted according to the small error. The accumulation of points to a certain extent will declare the exam failed.
 
Because Canada's traffic rules are different from those in the country, even if it is an old driver, it cannot be taken lightly. Small moves that are easy for people to ignore should also be done. For example, if you encounter a "STOP" sign, you must stop it for a second or two. Look back at the blind spot when you are changing lanes or turning. In China, the coach told the trainer to look at the side rear vehicle from the rear mirror and not to turn back, but this way there is no blind spot. When pedestrians and motor vehicles can go, the pedestrians should be humbly (because the Pacers have priority), while in China they are generally used to letting people get cars. In particular, if the applicant has a school bus in front of him, the applicant should not be too close behind. When the school bus stops to display the "STOP" sign, all vehicles must stop waiting until the students get on and off. Otherwise, the consequences are serious.
 
It is said that an old driver who came from China and a long-time driver and a few newcomers tested the car at the same time. Because of his overconfidence, the other few passed, but he was smashed. The reason is that when you change the line, you can see that the blind spot is not in place and is considered a "dangerous action."
 
After passing the road test, the driver will be issued a photo driver's license. A driver's license can often be used as an ID card.
 
BC's driver's license
 
Driving in Canada with a foreign driver's license and an international driver's license.
 
With a valid foreign driver's license, you can do this for half a year without any formalities. If it is more than half a year, it should be replaced with a driver's license here. If you have a valid international driver's license, you can open more than one year.
 
Regarding the international driver's license, please note that the international driver's license should be used with the applicant's original driver's license, issued by the same country, and the original driver's license is also valid. If the applicant's original driver's license (such as China) has expired, the international driver's license is meaningless. If the applicant’s original driver’s license is in China and the international driver’s license is issued by another country, it is meaningless. International driver's licenses cannot be converted into a Canadian driver's license.
 
But in practice, the rules mentioned above are difficult to implement accurately. For example, the applicant was intercepted by the police for some reason, checked the driver's license and found that the applicant was a foreign driver's license. The police generally did not question the applicant how long it has been here. If the applicant takes out an international driver's license, the police do not necessarily have to show the original driver's license. Although these have a certain degree of ambiguity in actual implementation, the parties themselves should still understand what the rules are and avoid them as much as possible.
 
With a foreign driver's license, you can drive not only here, but also rent a car. However, some car rental companies may be hesitant because they do not understand the applicant's Chinese driver's license. As long as a Chinese-speaking staff member is present, it will usually be rented to the applicant. It is quite common to rent a car to a foreign visitor. Otherwise, what are the stalls of so many car rental companies at each airport? Friends from China, the difficulty in renting a car is that there are no credit cards that can be used outside of China. Without a credit card, you can't rent a car. (Do not debit the account, cash or the like, as long as the applicant's valid credit card and driver's license.)
 
Although you can drive with a foreign driver's license, the applicant will have to take the local driver's license sooner or later. This is because the driver's license is not only a license for driving, it is also a universal personal identification card. When you want an ID (identity certificate), it is enough to take out your driver's license. The driver's name, date of birth, address, and photo of the driver's license are the true pictured ID (identity certificate with my photo). So, is there no ID for people without a driver's license? A person without a driver's license can have a special personal ID card, which looks like a driver's license, but not. Even people who don’t have this, just take your passport all day, and you can. However, when an applicant without a driver's license deals with someone, they will think that the applicant is from Mars.
 
Therefore, how can I have a driver's license here?
 
At present, the driver's licenses of the United States and Japan can be directly converted into driver's licenses in BC Canada. Drivers from other countries must pass the exam in order to change to a BC driver's license.
 
The driver's license in the United States and Japan can be directly converted into a Canadian driver's license. The procedure for the exam is exempted. It is only necessary to apply for, sign, and take photos in the office where the driver's license is issued. In this case, the applicant received a piece of paper at the time, which was a temporary driver's license. The official driver's license was sent to the applicant's address for about half a month. Since there are no photos on the temporary driver's license, in principle, the temporary driver's license should be used with the ID of the applicant's photo (such as a passport) to verify the applicant's body.
 
Let's talk about the process of taking a driver's license in BC.
 
In 1998, BC began to implement a very strict new driver's license examination procedure. To put it simply, a new driver must first pass a written test, check his eyesight, practice the road test after 6 months, and then go through the 18-month inspection period to get a fully qualified BC driving license. described as follows.
 
Written test: You can take the test at any time in the driver's license office. You do not need to register and make an appointment. Those who pass the written test, and then pass the eye exam, get a driving license on the spot, and can be driven by a person with a formal driver's license. If the written test fails, you can take the test at any time. Each exam costs more than ten yuan. The questions are taken entirely from the booklet "Safe Driving Guide" and are available free of charge at the driver's office.
 
Checking eyesight: After passing the written test, the eye exam is done on an instrument on the driver's office counter, which is very simple. You can wear glasses. If the official believes that the applicant's physical condition is defective, the applicant may be required to have a medical examination. Generally no physical examination is required.
 
Study period: The practitioner (holding a driver's license) cannot drive alone on the road. It must be accompanied by a person with a formal driver's license, and there are restrictions on driving time and number of people. This stage is called Learner Stage, which can be practiced by driving school or professional coach, or accompanied by relatives and friends. Generally speaking, the study period is 6 months, and then the road test can be completed. However, there are two exceptions.
 
1. In foreign countries (except the United States and Japan) who have already held a formal driver's license for more than two years, they can take the road test immediately after the written test, and do not need to study the Learner Stage.
 
2. Those who drive the school approved by the government can take the road test after three months of study, that is, the study period is shortened by three months. The so-called "government approval" here refers to the curriculum setting, coaching conditions, etc. of the driving school, which are subject to government review, and do not refer to commercial registration. Which driving schools are “government approved” can be found here. One more sentence: a driving school that is not “government-approved” can still teach a car, but cannot get a three-month reduction. Without explaining this, my window glass is in danger.
 
Road test: Road test requires an appointment, usually half a month to a month in advance, or you may be busy to go to the appointment, because there are too many people to take the test. Road test is a personal act, not a collective one, it depends on oneself. There are several driver's license offices in the Greater Vancouver area, which can be used for road tests. Most of the examiners were very savvy, and few people passed it at one time. It is common to pass three or four times.
 
Viewing period: After passing the road test, you can get a driver's license. You can drive alone, but it is still not a fully qualified BC driver's license. This stage is called Intermediate Stage. It is a year and a half long. There are still some restrictions, such as no alcohol in the blood when driving. .
 
The second road test: the end of the inspection period, and then pass a road test, you get a formal, fully qualified BC driver's license.
 
Ontario driver's license
 
If the applicant is an Ontario resident and is 16 years of age or older, they can apply for an Ontario driver's license.
 
If the applicant is a new immigrant and has a valid driver's license from another country, the car can be driven in Ontario within 60 days from the date of arrival. If the applicant still wishes to continue driving after 60 days, he must apply for an Ontario driver's license. Drivers in other provinces in Canada can change their Ontario driver's license directly. At the same time, according to the inter-state agreement, the driver's license in the United States, Japan, South Korea, Austria, Germany and Switzerland can be directly replaced with an Ontario driver's license.
If the applicant is only visiting in Ontario for a short period of time (eg travel, family visits, study abroad, etc.), driving in Ontario with a valid driving license from another country or province within three months. If you still want to continue driving after more than three months, you will need an international driver's license or an Ontario driver's license.
 
To apply for a driver's license, you must first pass a written test (theoretical test). The written test mainly includes traffic rules and traffic signals and signs, and does not take mechanical knowledge. A familiar driving guide can help you pass the written test. The pen test paper is a multiple-choice question, which is mainly answered by a computer. If you can't pass it, you can take it back after you go back to preparation. After passing the theoretical examination, a vision test is also required. Then you can get a "learning driver's license", also known as a temporary driver's license (G1). With this driver's license, you can practice driving with a qualified person on the road. The learner must observe the following rules during his studies:
1) You can't drive after drinking. The blood alcohol content in the body must be zero when driving.
2) The learner must be accompanied by a person with 4 years of driving experience and a G or higher driver's license. The blood alcohol content of the companion must be less than 0.05% and must be seated in the front passenger seat.
3) The passengers on the rear seats of the driven car cannot exceed the number of seat belts on the vehicle;
4) You cannot drive on a highway with a speed limit of more than 80 kilometers per hour unless you are accompanied by an Ontario driving instructor; you cannot drive between 12 pm and 5 am. After passing the road test, you can receive a temporary G2 driver's license.
 
If the applicant participates in a formal driving school course, he or she can take the road test after 8 months. For beginners who do not participate in the driving school, they must practice waiting for at least 12 months. After passing the road test, you can get a driver's license (G2) that can be driven by a coach without a coach. In another 12 months, you will pass a comprehensive road test including high-speed road driving, and you will get a formal (G) driver's license after passing the test. G card holders have more rights when driving. The road test is mainly to examine the applicant's awareness of safe driving, understanding of traffic regulations and proficiency in driving skills. Two road test
 
If the applicant has a valid driver's license from another country and has more than two years of driving experience, you can apply for a formal G driver's license immediately after passing the theoretical test. If you pass, you can directly participate in the G2 road test without waiting for G1. For a long time. If the driving experience is less than one year less than two years, you can directly apply for the G2 driver's road test by G1. If the driving experience is less than one year, you must apply for the road test after you have met the driving internship period prescribed by the G1 driver in Ontario. The above regulations do not include drivers with valid driving licenses in countries such as the United States, Japan, South Korea, Austria, Germany, and Switzerland, as these countries' driver's licenses can directly change the Ontario driver's license.
 
Ontario driver's license type and driving model
 
A: Various joint trailers
B: Various school buses
C: Various ordinary buses
D: Various trucks and joint trailers with a load of less than 4,600 kg
E: School bus below 24 people
F: Ordinary buses and ambulances for up to 24 people
G: All kinds of cars, vans, trucks with a load of less than 11,000 kg and joint trailers with a load of less than 4,600 kg
G1: Same as the G-brand driving model but must be accompanied by a G-card holder who has been driving for more than 4 years.
G2: same as the G brand
M: Motorcycle, G-brand driving model, but subject to the same conditions of G1
M1: Motorcycle (under certain restrictions)
M2: Motorcycle but can not drive after drinking, G brand driving model but subject to the same conditions of G1
 
A list of driving test centers across Ontario:
http://www.drivetest.ca/en/loc/Dec.aspx
Includes information on the city, street, fax, exam type, map, office hours, etc. of all driving test centers. The driver's licenses vary from province to province. A better way is to look at the content on the official website.
 
4, medical card (the necessary documents for naturalization)
 
One of the documents related to the replacement of PR Card is the Canadian Medical Card. It can be used as a proof of identity when receiving a new PR Card (especially in Ontario, with a photo on the medical card, which can be used as a valid photo ID)
 
Among all the welfare programs in Canada, the Canadian is proud of its universal free medical system. Americans are very jealous of this. From the first day of Clinton's coming to power, he has appointed his wife to reform the current US medical system and try to establish a system similar to Canada. The plan has been raised one after another, or not realized. There is only one reason. The Canadian-style system is based on a high tax system. The United States wants free medical care and does not want to pay more taxes. How can two sugar cane be sweet?
 
What is the free medical system in Canada? Every Canadian, whether you are a citizen or a permanent resident, can receive a medical magnetic card with a photo called Health Card. With this card, medical treatment, treatment, laboratory, fluoroscopy, surgery, and hospitalization in Canada are free. You must be at your own expense to see a dentist, but you can also purchase insurance in this area, and sometimes the company will buy it for you. The Canadian government purchases such insurance for children in low-income families.


 
   

 
The Canadian government's medical insurance is socially beneficial. Citizens and permanent residents can enjoy it for free, but it does not mean that all your illnesses and pains are all-inclusive. For example, surgery for myopia, dental disease and cosmetic nature is an exception. Even if there is no disease, regular physical examinations are free, but if you are buying insurance, special employment, etc., you have to pay for the medical examination. Since Chinese medicine is not formally incorporated into the Canadian medical system, it is usually necessary to see Chinese medicine or acupuncture at its own expense. Children's health immunization is generally organized by the school and there is no need to pay. If you want to get insurance for dental and medical expenses, you can buy an insurance company's medical insurance plan. In addition, the government's medical insurance is only responsible for your medical treatment in Canada. If you are treated abroad, you need special insurance. If you are insured in Canada and are hospitalized outside of Canada, the insurance company will still bear these costs as long as the medical expenses you pay do not exceed the medical expenses for the same disease in Canada.
 
The government's medical insurance plan only covers inspection fees, diagnostic fees, and treatment fees, but does not pay for medicines. If it is hospitalized, the hospitalization fee, surgery fee, and drug fee are free. The medical insurance plan guarantees “risk” and the larger risk is hospitalization. Drugs in Canada are expensive, and some drugs must be prescribed by a doctor to be purchased from a pharmacy or pharmacy, such as antibiotics and sedatives. These drugs are called prescription drugs (or prescription drugs). Drugs that can be bought on the counter or on the shelf without a prescription are called "non-prescription medicines" such as vitamins and general coughs, cold medicines and non-antibiotics. If the cost of a prescription drug for one year is accumulated, if it exceeds a certain amount, a part of the tax can be waived at the end of the year when the personal income tax is paid. The cost of buying non-prescription drugs, no matter how high, is not tax-free. In order to be able to reimburse the drug fee, many government departments and public and private companies purchase drug reimbursement plans from insurance companies. As a result, the medical expenses are the responsibility of the government, and the drug fees are the responsibility of the insurance company.
 
Doctors will charge the government's health department based on the number on your card. Note: The drug fee is payable. The doctor prescribes the prescription and you must go to the pharmacy to buy the medicine yourself. The drug fee is not expensive and is usually affordable. However, if you have a slightly more formal job in Canada, usually the boss will buy you a drug insurance, and the family's drug costs can be reimbursed. In other words, as long as one person in your family can have a formal job, the whole family can almost spend no time on medical care. Dentists are not included in this medical system in Canada. At their own expense, it is a relatively independent industry. There is no dentistry in the hospital. In addition to medical schools, there is also a separate dental school in the university. They think that teeth are not a disease, and dentistry is a beauty-related industry, so you have to pay for yourself. But like the drug fee, if you have a formal job (not working in a restaurant, of course), the boss will buy dental insurance for your family. This is a relatively minor employee benefit in Canada. In this way, your family can also see your teeth for free.
 
Although medical insurance is a benefit of the Canadian government to all citizens and permanent residents, it cannot be directly enjoyed without formalities. Applying for a medical card as early as possible is also necessary to protect yourself. Taking precautions, medical expenses are very expensive in Canada. If you encounter a minor illness such as common headache and brain heat, you can go to the pharmacy to buy medicine. However, in case of emergency or surgery, you may spend tens of thousands of Canadian dollars in a few days. Therefore, the sooner the medical insurance is handled, the better.
 
However, new immigrants have just arrived in Canada, and the Canadian government has stipulated that new immigrants can only begin to enjoy medical insurance after they arrive in Canada for three months. Or someone who has just moved from a province to a province in Canada does not have a medical card in this province. It usually takes three months to apply in the province. Within these three months, you can't enjoy free medical care. If you have a serious illness during this period, it will be miserable. In Toronto, a day's hospital stay costs between $2,200 and $2,400. After a week, the old man was lost. Therefore, many new immigrants buy private medical insurance for the first three months, and each person has about 100 Canadian dollars per month.
 
Medical insurance is financed by the provincial government. The specific regulations of each province are also different. In many provinces, you don't have to pay any fees to get free health insurance, but in BC, everyone pays a nominal fee.
 
Medical cards are issued by the provincial government and have different names in different provinces, such as the Medi-Care Card in Quebec, the OHIP Card in Toronto, and the Care Card in Vancouver. The medical insurance card is for free medical insurance. It is necessary to apply after obtaining a SIN card. The family should handle it together,
 
To apply for a medical insurance card, you need to bring your passport, immigration paper, PR Card, SIN card and valid address proof (such as a rental contract that proves that the family has lived in the province, a certificate signed by the landlord or SUPERINTENDENT, etc.) and you must go in person. Handle. If you don't have a valid address proof, you can explain that the house is rented by your friend in his name. You can borrow it, or bring a bill from Bell, etc., as proof. Children under the age of 15 are not required to go with their parents. Children over the age of 15 should go with their parents with valid documents issued by the government.
 
In some provinces of Canada, if you apply for a child's medical card at the same time, you may also be required to provide a notarization of your relationship with your child's relatives. Since medical insurance is a government-owned welfare program, each person can only apply for a medical card in one province. Generally speaking, government officials should consider whether you are stabilizing when applying. If the government finds that you are only staying here for a short time, or if you find that you have no plans to stabilize, it may delay the issuance of your medical card. When you are confirmed to be eligible for government health insurance, the government will send you a medical card within 3 months. Most provincial governments require medical insurance to take effect three months after the date you enter. So for the first 3 months after entry, for security reasons, you can purchase a non-government family health insurance plan. Major banks and insurance companies have family and personal health insurance programs, and their insurance categories are numerous. Buying insurance is voluntary and you can decide whether to buy it according to your actual situation.
 
Some people who stay in Canada for a short period of time can also enjoy health insurance, and some need to pay for it themselves. If you are a student or a visiting scholar, you can contact your university or your organization. If you are applying for a work visa, you can go to the public medical management agency in your area.
 
In Canada, the method of seeing a doctor is very different from that in China. In China, it is natural to go to the hospital if you are sick. In Canada, it is not possible. Usually, you can't go to the hospital directly. There is no such thing as a registered office. If you have a disease, you should first look at the "family doctor." You can choose a more satisfactory family doctor according to your own situation. This outpatient relationship is generally fixed; patients can also choose a doctor or hospital. Each doctor usually has his own clinic with one or two secretaries or assistants. These doctors are often "golden oil", know everything from obstetrics and gynaecology to psychiatry, but nothing is fine. Small problems can be solved, he will transfer you to a hospital or specialist. Therefore, patients who go to the hospital are often booked by family doctors. Usually everyone has their own fixed family doctor. Choosing a family doctor is your own business. If you are not satisfied, you can change it at any time. There are three or four problems. However, every time he changes to a new doctor, he often checks the inside and outside of you in order to establish a medical record. If you draw blood, you must take four or five tubes. So don't toss yourself unless it's necessary.
 
If it is not an emergency, hospitalization must be recommended by a doctor. To go to the hospital to see a doctor, you must bring a medical card from the provincial government. Every time you go to a hospital, the hospital will give you a magnetic card, each time you carry a card, eliminating the trouble of recording your name, address, phone number, etc.
 
New immigrants from mainland China usually love to find family doctors who speak "Mandarin." This is natural, you are good at English, so you don’t know much about professional vocabulary. This is a matter of human life, eating the wrong medicine, the consequences are unimaginable.
 
Neither social insurance cards nor medical cards can be loaned to other people for impersonation, or they will be severely punished or punished. The range of health insurance in Ontario is listed below.
1) Insured items of the health care plan:
A doctor service;
B hospital services;
C medical laboratory services.
2) Items that are not covered by the health care plan:
1) A hospital service fee higher than that of a general ward, such as a single room or a double room.
2) Telephone fee.
3) Private care costs.
4) Prescription medication brought home when you are discharged.
5) Physical examination for employment, enrollment or insurance.
6) Cosmetic surgery.
7) Acupuncture, psychological testing, unorthodox medical services.
8) Routine dental management.
3. Family doctors and specialist services
Residents in Ontario can find a family doctor (general practitioner) who is referred to a specialist or medical examination and is usually referred to by a family doctor. You can also check with the 'Family Doctor' department of the hospital near your residence or the Ontario Medical Association.
 
5, work card (SIN card) (for work and tax purposes)
 
The name of the work card is the Social Insurance Card (SOCIAL INSURANCE NUMBER CARD), which is a permanent number of a new immigrant in Canada and is a proof of legal work. The SIN card is the first card to be applied for after the addition. SIN cards are required for all other card applications. The SIN card number is also required for tax filing.


 
   

The SIN card is applied for at the nearby Job Center (HUMAN RESOURCES DEVELOPMENT CENTER). You can log in to the following website to search for the SIN processing center near you:
Http://www.servicecanada.gc.ca/cgi-b...rch.cgi?ln=eng
On this page, enter your home zip code (in North America, the zip code is very important, please remember your own zip code), and you can choose how far you want the searched Service Canada Center to be from your home. At the time of entry, the Immigration Assistance staff will give you a relevant application form with an address. You must bring your passport and immigration paper and apply in person. The SIN card will be sent to you within three weeks after your application.
To process a SIN card:
1) Documentary evidence:
If you are a permanent resident, the supporting documents use a copy of the immigration paper, and the temporary resident uses a work visa or a copy of the student visa. If the name of the original document is different from what you are using now, attach a copy of the supporting document, such as a marriage or divorce certificate, in English or French, if the name changes due to a change in marriage.
2) Fees:
Apply for a free replacement name or change the work card to pay 10 yuan plus the lost work card to pay 10 yuan plus
3) Application time:
If the application and supporting documents meet the requirements, the work card will be received in about three weeks.
For more information on applying for a work card SIN, please refer to the following website:
Http://www.servicecanada.gc.ca/eng/sc/sin/index.shtml
In order to avoid the crime of a work card, it may be prohibited to apply for a duplicate card and use his manual card, not to sell, copy or lend him a manual card. If you commit crimes, you can pay a fine of up to $1,000 or go to jail for a year. If you do not intend to make a mistake at the time of application, you can provide correct information explanation.
 
6, work certificate (employer letter)
 
In the application process of PR Card renewal, it is sometimes necessary to provide more information about the company status of the applicant in recent years and your work certificate, which usually includes the following aspects:
1) Employer's letter of proof, employment contract.
2) Proof of income for the past five years (payroll, check certificate, or check income report provided by the accountant).
3) A letter from the government that indicates the nature of the company and the number of people employed in Canada.
4) An overview of the positions you are working for at the company.
5) Receipts and invoices related to business. That is: rental contract/monthly rent, invoice or receipt of rent paid; operating permit, formation authorization, utility bill, insurance, equipment revenue and improvement, transportation, and receipt of major invention items.
6) Canadian remittance income.
7) List what contracts are obtained in the business activities you are engaged in. It also provides a list of your clients as a representative and their company's recommendation letter, their name and the typical representative's phone number. The above content should be filled out truthfully.
8) Provide relevant documents of the business, such as: trade/industrial business license and license, tax documents (GST/HST/PST and tax refund), bills, company pictures, advertising, invoices, contracts and annual inspections, etc. .
9) Provide documents on the status of financial activities: all financial information, tax return assessment forms, bank statements for cancellation of check transactions, signing rights, accounts, loans, credit cards, and credit card agreements.
10) Management: Sign commercial contracts with your employees, reach agreements, maintain communications, place orders, open receipts and invoices.
11) Account records of your company's travel expenses over the past five years. Documents are required; such as utilities, telephone, visa and telex, etc.).
 
7. Tax bill (tax return certificate)
 
Canada is a big tax country. It mainly tests the taxation of personal income and personal consumption. It provides excellent financial support for taxation. Everyone living in Canada will pay taxes on an annual basis. People without tax records are unreasonable in Canada, so a good tax record is of great benefit to PR Card and naturalization, at least for your strong evidence of living in Canada. See if you live in Canada.
 
When the Canadian Immigration Service usually has doubts about your residency obligations, the first proof of residency you need to supplement is your tax return.
A copy of the personal T4/T4A tax status in Canada and the tax assessment notice for the past five years is required.
2010 new tax policy to stimulate the economy:
1) First-time home buyers receive a $750 tax credit
2) First-time home buyers can refund $6475 land transfer tax
3) $7850 or 36% GST rebate for purchase of new homes
4) House decoration can get a higher tax rebate of $1350
5) Subsidies for energy-saving equipment can reach $6800


 
   

Comparison of tax effects of several investment incomes:
1) The high ratio of bank interest income is taxable income
2) Dividend income is approximately 75% taxable
3) 50% tax on capital appreciation
4) RESP (20% return, tax deferred growth, tax in the hands of children)
5) RRSP (reduction of current income, tax deferred growth, tax-free borrowing)
6) Life insurance (high rate of tax exemption, tax deferred increase, pension withdrawal can be tax-free)
 
Examples of reasonable tax avoidance: 40-year-old male with an annual income of $65,000
Purchase RRSP$8000+Lev.$4000 investment (lighting before 65 years old)
Tax refund of the year $3600
$2.42 per day before the age of 55 to arrange IRP
Annual investment amount of $4484*15 (2.42X365+3600)
At the age of 65, I began to enjoy a pension of 250,000. Tax-free!!
The 85-year-old insurance amount is 900,000, and the legacy can be more than 370,000. It is completely tax-free!
15 years of personal investment of 13,000, a tax rebate of 54,000, a total of 67,000
According to the regulations of the Canada Revenue Agency, the tax filing deadline is midnight on April 30 of each year.
 
If the taxpayer and spouse are self-employed in the previous tax year, the tax filing deadline will be midnight on June 15. If you need to pay the tax, you must pay it before the April 30 tax filing deadline to prevent fines and interest caused by delaying tax returns. The tax form is mailed to the postmark.
 
The result of not paying or late filing tax returns is that the late payment of the tax form will be fined and interest will be paid. The calculation method is as follows:
5% of the tax will be owed if the deadline is exceeded.
 
1% penalty for each month later, but more than 12 months, which is more than 17%;
 
However, if the person who has been lately reported to pay the fine in the past three years, or who has been formally requested by the government (Formal Demand) will be severely punished, 10% will be imposed first, and 2% will be imposed for each late report, more than 20 months. Therefore, a fine of 50% can be fined.
 
In addition to the fine, interest is also paid, and the interest is subject to the Prescribed Interest Rate published by the tax bureau on a quarterly basis.
 
If you don't owe money to the Canada Revenue Agency, you don't need to pay a fine.
 
8, bank card and credit card
 
Handling bank cards in Canada:
Canada's six national banks: Canadian Imperial Bank (CIBC); Royal Bank; Bank of Montreal; Toronto TD Bank; National Bank of Canada; Canada Scotia Bank. There are also some local small banks. From the perspective of taking care of the needs of Asian immigrants, the policies of TD Bank and HongKong Bank are more flexible.
 
Banks in Canada offer a variety of accounts. In terms of personal needs, there are only two categories: daily life accounts and investment accounts. In terms of currency, the more commonly used Canadian and US dollar accounts. Specifically, there are savings, checks, and time deposit accounts.
 
1) Real name system
 
Bank of Canada accounts with real-name systems. The account holder must present his/her ID. In the past, it was completely impossible to open a book in some novels and movies in the country. The bank account can be a joint account, for example, both husband and wife have the right to write a check and handle matters related to the account.
 
2) Cash registration
 
The Canadian government stipulates that some people deposit more than 10,000 Canadian dollars, and banks must register. The intention of this move is to monitor money laundering and illegal business dealings. Because this society rarely uses large amounts of cash, it uses checks, money orders, and transfers. It is generally considered that large amounts of cash are suspicious. However, the contents of the registration form are very simple, just ask how much money, where and how to get it, and do not provide supporting documents. For new immigrants in mainland China, it is enough to write their own or family savings. This registration has nothing to do with taxation, only the government has filed it.
 
3) Current account
 
There are two types of current accounts: savings accounts and checking accounts.
A. Savings accounts usually have higher interest rates to save money that is not used in the short term.
B. The checking account is prepared for daily life. The money on the account may be spent at any time, so the interest is low or not. Both of these belong to demand deposits.
 
About 10 years ago, the bank divided the savings account and the checking account clearly. At that time, a person usually puts the money in the savings account. When there is expenditure, for example, if the rent, water and electricity, and telephone charges are paid, a certain amount of money will be transferred to the checking account, and then the check will be written. Now, the difference between the two accounts is not so obvious. Banks often offer savings/checking accounts, putting the two together and letting customers choose. Customers have two ways to keep a detailed record of their current (savings or checks) accounts. First, the bank sends a monthly statement to the customer, detailing the account entry and exit this month. Another method is that the customer holds a passbook and asks the bank staff to update (the Beijing dial is called "the fold"). Since the operation of the current account is mostly carried out on the ATM, the passbook in hand does not always reflect the current situation of the account. However, you can walk into any branch at any time and ask the staff to update you. For an account, the bank usually only provides one of the monthly statements and passbooks. When you open an account, you can make it clear that you cannot both.
 
4) Cheques and cheques
 
The cheque is printed with the bank and address, the name and address of the head of the household, the account number, and the check number. The blanks are: date, amount (in Arabic), amount (in English), name of the invoice, signature of the biller, remarks . The newly opened checking account is too late to print the check, and the bank gives the customer 8-10 temporary checks, and the customer has to order the checkbook later. It can be ordered from the bank or can be ordered by a special printing factory outside. If you order from a bank, 100 checks are about a dozen dollars, usually one for every 25 sheets. The checking account is not a non-use check. With the development of the modern banking industry, more and more payment methods are becoming more and more convenient, such as by telephone, Internet payment transfer, etc., and the use of personal checks has been reduced. Almost all bills for telephone, television, electricity, credit cards, etc. can be paid through the bank's payment service, rather than requiring me to mail a check as in the past. Some people may not write a few checks a year.
 
5) Bank card
 
When the bank opens a current account, it can be used on the Automatic Teller Machine (ATM) by getting the bank card and selecting the password on the spot. It can operate on both the savings account and the checking account. The teller machine is not a simple cash machine, but it can be mentioned, stored and inquired. Personal daily banking business generally does not need to go to the bank counter to handle. Bank cards are free to use on all ATMs in the banking system, even if you are away from Toronto and Montreal. It can also be used on other banks' machines, but it costs a small fee, usually a dollar. Bank cards can be used not only on ATMs, but also in most malls. As a debit card, the money was removed from your account at the time, so it was called debit card. (Note that this is different from credit cards.) Most bank cards have a one-day limit, for example, the amount of withdrawals and the total amount spent on a card cannot exceed $600. This amount has nothing to do with your deposit amount, but to protect you. If you lose your card or are threatened by a gangster, you will not lose too much.
 
6) Service fee
 
A big difference between Bank of Canada and Bank of China is that many services are charged. For example, every time you spend (withdrawals, writing checks are expenses), you need to charge 0.4-0.7 Canadian dollars, 10-30 yuan for each wire transfer, 3-6 yuan for a money order, and so on. Some accounts also charge a monthly fee, ranging from a few to a dozen. New immigrants may not be used to it when they first arrived. However, the bank also gives customers the choice. For example, if the amount of deposits in the account is kept at a fixed amount or if the monthly fee is fixed, a partial or free service fee can be paid. Specific details, talk with bank staff when opening an account.
 
7) Investment
 
In addition to the money that comes in and out of daily life, other money can be placed relatively fixed in the bank, making a profit as an investment. There are many types of investment, and the more familiar time deposits, called Term Deposit in English, are an investment. In addition, there are Money Market, Mutual Funds, Stocks, etc., all of which are investments. As the possible rate of return increases, the risk increases. How to invest depends on your personal choice. All major banks operate personal investments, offering a variety of plans and combinations, and you can sit down with the financial planner. This article is not an investment guide, but a brief introduction to a simpler investment – ​​personal time deposits.
 
8) Personal time deposit
 
Banks have a lower requirement for time deposits, usually $5000, plus Canadian dollars. Regularly less than 30 days, up to 60 days, 90 days, 120 days, .... The longer the term, the higher the interest, but not much worse. The annual interest rate of US dollar time deposits is now about 5%, which is higher than the interest rate of the Canadian dollar. You can choose to have a regular rollover for 30 days, that is, after the expiration, the bank will add up the interest rate, as the new capital, automatically start the next 30 days of deposit, so scroll down until you decide to stop. . After each roll, the bank sends you a list of new capital, interest rates, expiration dates, and more. The interest rate for each cycle is adjusted to the market. Of course, you can also choose to save for 60 days or 90 days and automatically scroll through this cycle. If the deposit is held in the middle of a cycle, the interest of the current cycle is lost. For example, your deposit is 30 days, automatic scrolling, you take the 80th day, then you get the interest for the first two cycles, and the third cycle has no interest because it is not full.
 
9) The difference between the Canadian dollar and the US dollar
 
The Canadian dollar and the US dollar are freely convertible and can be exchanged (sold and sold) in any bank or exchange. Buying and selling prices are of course different. The buying and selling price of a bank usually deviates from the current market exchange rate by 2%. In other words, the bank earns 4% between buying and selling. Individual savings, checks, and deposit accounts can be opened in US dollars. However, there is no bank card in the US dollar account because there is no US dollar in the ATM. If you want to mention and deposit the US dollar, you must go to the bank. Because the dollar is more stable, many people maintain a considerable amount of dollars. For the average person's daily life, the dollar's checking account is of little use, but it is definitely useful for those who do business. Because the dollar is not the official currency of Canada after all, for the sake of clarity, the US dollar account is marked with a special "dollar" on the cheque. If the word "dollar" is not marked on the cheque, the bank treats it as a Canadian dollar.
 
10) No branch bank
 
In recent years, Canada has seen a “Branchless Bank”, which is characterized by its own not being a real bank, but by providing financial services through cooperation with banks. Because it is not a bank, there are no branches, branches, no sales offices, no counters, and all business is done through ATMs, telephones, and the Internet. Cooperative banks also do not provide any counter assistance. It is precisely because of these costs that “no branch bank” can launch a lot of free services, thus occupying a large market in the personal financial field. Canada's President's Choice is a representative of a branchless bank through the financial services provided by the Canadian Imperial Bank of Commerce (CIBC). President's Choice (PC) is the company that operates the Superstore chain. Its branch-free bank account opening procedures are handled in the Superstore. It is similar to the official bank in terms of deposits, savings and checking accounts. It cooperates with CIBC. The customer's withdrawal and deposit operations can only be installed in the Superstore. Conducted on the CIBC ATM. PC's branch-free bank free of charge for all daily account service fees, even the customer's official checkbook is also free. The PC also pays a wide variety of bills and provides detailed enquiry services, both by phone and the Internet.
 
Apply for a credit card in Canada
 
There are usually two types of credit cards in Canada, VISA and MASTER, Royal Bank
 
 
 
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