Canadian Super Visa Medical Insurance- Live with your Parents & Grandparents

2. What is a Super Visa? • The Canada Immigration and Citizenship introduced a new visa for family reunification on 1st December 2011 called Super Visa. It is given to parents and grandparents of the citizens and permanent residents of Canada who want to visit the country. It is a multi-entry visa valid for 10 years and will allow the applicant to remain in Canada for up to 2 years at a time.

3. What is a Super Visa Medical Insurance? • According to Canada Immigration and Citizenship, the applicant must buy Super Visa Medical Insurance from a Canadian insurance company. It is a primary and mandatory requirement and needs to be sent along with the application. The medical insurance is designed to cover any unexpected medical emergencies, from the expenses of a walk-in clinic near you to any hospitalization services for severe health conditions in Canada.  • It is the new requirement by the Canadian government for parents and grandparents, and the insurance company will pay for all the data collection themselves. While flying on Canadian Super Visa, the applicant must submit the proof of purchase of private medical insurance from a Canadian insurance company.

4. What are the key requirements for a Super Visa Medical Insurance? The Canadian government has set some requirements for Super Visa Medical Insurance: • The insurance company has to be a Candian insurance company • The coverage amount has to be $100000 or more • The policy must be valid for a minimum duration of 1 year. • The policy should consist of healthcare, hospitalization and repatriation benefits. • However, the applicant must buy medical insurance for a Super Visaevery time he/she enters Canada.

5. What if the applicant already has a pre-existing medical condition? • If the applicant has a pre-existing medical condition, the applicant must complete a health questionnaire with the insurance company before buying medical insurance for Super Visa. Based on the outcome of the health questionnaire, insurance companies decide whether they will cover the pre-existing health conditions or not and on what basis. Also, insurance companies may ask to pay higher premiums for severe medical conditions like heart disease and diabetes. 

6. What happens if the applicant gets rejected for the visa or they return home early? • If the Super Visa is denied for the applicant, the insurance companies refund 100% of all the premiums paid. And in case the applicant returns home early, the insurance company will reimburse a partial amount of the premiums paid subject to there are no claims made, and an administration charge will apply. • They are few ways where you can save some dollars on premiums: • If you have a higher deductible, then the insurance company will allow some savings on your premiums. The higher the deductible, the more the savings (Deductible is an amount that the applicant pays out of their pocket when a claim occurs). • If the applicant returns early from Canada, then he/she can cut off some premiums.

7. Now that you know all the benefits and importance of Super Visa Medical Insurance, buy it from a trusted and reputed insurance company in Canada.

8. Thank You