Understanding Super Visa Insurance For Parents And Grandparents

The Super Visa is a special kind of visa that allows the parents and grandparents of Canadians or other permanent residents of the country to visit them. Same as other working visas in Canada, this visa provides the subject with the opportunity to work and reside in Canada without visa change for 2 years. 

The process of getting the Super Visa Insurance is considered one of the most important prerequisites for getting the actual Super Visa. This blog will give a brief understanding of Super Visa insurance including how you can qualify for it, the workings of the policy, and the cost and benefits of the insurance.

Advantages Of Having Super Visa Insurance

Below are the benefits of the Super visa insurance:

Eligibility For Super Visa

To be eligible for a Super Visa certain criteria need to be met by the applicant. As per IRCC, these include:

Key Features Of Super Visa Insurance

Here are the key features of the insurance:

Cost Of Super Visa Insurance

The cost of Super Visa Insurance can vary significantly based on several factors:

Average costs can range from $800 to $2,000 per year per person.

Example Of Premium Costs

Monthly Vs. Annual Payment

Coverage Details

Super visa insurance can cover your parents and grandparents for emergency hospital and medical bills, as well as:

• Costs such as accommodation, food, child care, necessary phone calls and taxi fares

• Emergencies and accidental dental costs

• Chiropractor and osteopath services

• Podiatrist (foot doctor) services

• Physiotherapy services

• Acupuncture services

Payment Options

As of February 2023, IRCC permits Super Visa applicants to pay for medical insurance in monthly payments to make it cheaper.

Here are the advantages of monthly installments:

• Stretches the costs over time.

• Better money handling for the families.

Choosing The Right Insurance Provider

When selecting a Super Visa Insurance provider, consider the following:

• Choose a provider with a favorable business reputation and references.

• Ensure that the policy meets all the set standards by the IRCC.

• Select services that have good customer care.

Application Process For Super Visa Insurance

Following is the application process for applying for the insurance:

• Research: Learn more about insurance and the various plans or offers of different insurance companies.

• Get a Quote: Get the quotes depending on the age of the applicant, their health, and the coverage preferred.

• Select a Plan: Select a plan that will provide maximum coverage for the least amount of money.

• Purchase Insurance: Fill out the purchase and get the insurance certificate.

• Submit with Visa Application: Submit the insurance certificate as a part of the Super Visa documents.

Application Checklist

Here is a checklist you need while applying for insurance:

• Completed application form

• Copy of the passport

• Letter of invitation from the host in Canada

• Proof of relationship

• Proof of medical insurance

• Medical examination results

Frequently Asked Questions on Super Visa Insurance

• Do I need medical insurance to get a super visa?

Yes, medical insurance is mandatory to get the super visa.

• In general, how much health insurance should a super visa holder have?

According to the Government of Canada, applicants should have at least $100, 000 in health insurance coverage.

• Is dental covered in super visa insurance?

Yes, your super visa insurance offer does include the emergency and accidental dental expenses part, depending on the policy you have opted for.

• Will my parents or grandparents still have the coverage if they leave and come to Canada?

Yes, they will have coverage for health care costs while they are outside Canada but this has to be made during their period of coverage and most of this has to be spent in Canada. They cannot be entitled to healthcare costs in their country of residence or origin.

• What do I do if my parents/ grandparents die while in Canada?

Super visa insurance pays for the repatriation of their remains to their home country in the event of their death. But, there are some exceptions and unfortunately, funeral expenses are not included in those.

• Do I get a refund if my parents or grandparents are refused a super visa?

Yes, a refund is possible if the super visa application is declined and before the policy is active, the refund request is made. An administration fee will be deducted. If you are canceling the policy for any other reasons other than those stated above, a higher administration fee will be charged.

Conclusion

Super Visa Insurance is indeed important for parents and grandparents who would like to pay a visit to their family in Canada. It ensures that the visitors are shielded from the high charges of medical facilities and are on par with the immigration standards of Canada. Therefore, by identifying the eligibility requirement, type of coverage, cost, and advantage the applicant can go for the best insurance policy. Super Visa Insurance can now be paid in installments to reduce the pressure of having to pay all at once and at a much cheaper price.