Super Visa Insurance
What is Super Visa Insurance?
Super Visa Insurance is a new concept that came into light along with super visa. Super Visa insurance is no different from Visitor to Canada medical insurance.
Super visa insurance will feature: premium amount, coverage amount, primary and secondary benefits, refund policy, etc.
Not everyone is eligible for super visa. Only the parents and grandparents of citizens and permanent residents of Canada are eligible for super visa. Apart from this, officers also consider the applicant’s ties with his/her home country, the purpose of visit and his and his family’s financial condition.
What is Super Visa Program?
Super Visa Program has come into force from November 4, 2011 in Canada with a sole aim to provide visa to Parents and Grand Parents of Permanent Residents or Canadian Citizens under family reunification program.
Secondly, this new super visa scheme will offer a temporary visa valid for a period of ten years to parents and grandparents.
Thirdly, a holder of Super Visa can stay in Canada for a maximum period of two years without renewing their visa.
Above all, the success rate of this program is very high in comparison to regular visitor to Canada visa program.
Requirements to Qualify for Super Visa Program
Parent or grandparent of Canadian citizen or permanent resident of Canada.
The person must be allowed to enter Canada.
In the application one must Provide proof that your child or grandchild meets the minimum income threshold.
The sponsor must give a written statement that he or she will give you financial support.
Letter of invitation from your child or grandchild.
Have medical insurance coverage for one year with a minimum of $100,000 coverage.
How Can I buy Super Visa Insurance and save money?
First of all, we have made every sincere effort to get you the best rates for Super Visa Insurance by using our Super Visa Insurance calculator. The Calculator asks for very basic information, and gives you quotes from up to 7 carriers in seconds.
For instance, you can browse through important policy wording before making a purchase and above all our online Super Visa calculator helps you to compare premiums, deductible options, benefit amounts, eligibility, claim process etc in the policy wording.
What is the cost of Super Visa insurance?
Every insurance company is unique in terms of offerings and also cost of super visa insurance is not same with all companies like some companies have basic plan or lite plan and then comprehensive or platinum benefits etc.
The cost of Super Visa insurance is determined by following; age of a person, number of days, benefit amount, pre-existing conditions etc.
- All Super Visa insurance policies must meet minimum requirements set by the Canadian Government and generally speaking following benefits are part of the plan booklet like; health care, hospitalization, and repatriation, type and levels of coverage etc.
- One must completely understand all the details mentioned in policy booklet because if you buy the policy without paying attention then you may end up in distress due to less coverage or paying high cost for super visa insurance.
- It is highly recommended to read carefully and understand the quantum of benefits being offered and limitations. For example, doctor’s visit in case of emergency; medication amount covered per condition; follow-up visits and refills etc.
Conclusion: Some companies have one plan and one price while other companies have two or three different plans based on the benefits of plan. Not all plans cover pre-existing conditions. Each plan stipulates the conditions which an insured must meet to qualify for pre-existing conditions to be covered. If applicant is hospitalized due to pre-existing condition then plan will cover all the cost to maximum available benefit as per the plan booklet.
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When buying for Super Visa insurance, be careful about selecting right plan? Price matters, but not at the cost of good benefits.
The most important step while applying under the super visa program is to buy right amount of coverage as stipulated by Canadian Immigration. Everyone wants to buy cheapest available coverage with maximum benefits. There are so many companies in the public domain who offer Super Visa insurance but proper care must be taken in understanding the coverage benefits, exclusions, eligibility questions, pre-existing coverage, additional benefits, clam process and refund etc. to name few.
One must read the benefit booklet to completely understand the coverage details. Many people just shop for rates only and pay little or no attention to coverage or product details. Please be advised that Super Visa insurance product is not universal, every insurance company has its own offering or coverage details and if not selected properly by you can cost very dear to you.
What is a Super Visa Insurance monthly Plan?
We offer Super Visa Insurance monthly plan from two companies: 21st Century Travel Insurance as well as Travel Shield. Our licensed advisor will help you to compare the plans and offer the best policy as per your needs.
Generally, The Super Visa Insurance policy premiums are paid upfront for one full year 365 days but some insurance companies do offer Super Visa Insurance monthly plans as well.
Under monthly plan, the applicant pays first two month’s premium upfront with administration cost which is generally upto $50 and the policy gets issued and applicant can apply for Super Visa.
The Super Visa insurance policy will start from the day applicant lands in Canada and then premiums will be paid on monthly basis. Basically, insurance company has received two month’s premium in advance and rest of the payments are spread over 10 month period. The minimum retained premium is two months which is not refundable.
The premiums are guaranteed and it is more cost effective because paying all the premiums in one shot can be very stressful for the applicant.
In other words, the monthly payment plan helps the applicant to manage the cost. However, in case your parents or grandparents decided to return early, it is very easy to cancel the policy and get a refund.
Special Note: Some conditions apply and plan varies from company to company. All applicants must read policy terms and conditions before making a purchase.
How and When I can get Super Visa Insurance Refund?
The Refund on Super Visa can arise due to following situations and we have detailed them for you as below:
- When the visa officer refuses the Super Visa application– In case of visa refused by the Canadian High Commission, 100% refund is available before the start of insurance date.
- If your parents or grandparents return to the home country and there is no claim; a partial refund is issued after deduction of admin fee which is generally $ 25 to $ 100 per policy per person. Some conditions apply and plan varies from company to company. All applicants must read policy terms and conditions before making a purchase.
- Once the Super Visa is issued but your parents of grandparents decide not to visit and want to cancel the policy, the refund can be issued to applicant minus admin fee which can go up to $250 per policy, per person or more. Some conditions apply and plan varies from company to company. All applicants must read policy terms and conditions before making a purchase.
The Super Visa policy has following Key Benefits
- Details about Maximum liability available to a maximum amount; that can be purchased.
- Emergency medical treatment for sickness or injury whether in-patient or out-patient.
- Services of physician, surgeon, anaesthetist, registered graduate nurse.
- Private duty nursing.
- X-rays and laboratory services.
- Rental of essential medical appliances.
- Non-emergency treatment: if treatment is a direct result of the initial emergency, Ambulance Including Mountain and sea rescue.
- Prescription drugs amount and number of days’ supply.
- Professional medical services of a practitioner; including a licensed physiotherapist, chiropractor, chiropodist, osteopath and podiatrist.
- Emergency air transportation for air evacuation or airfare back to Canada or country of residence for treatment and medical attendant, Return of insured, travelling companion.
- One-way economy airfare back to point of departure if insured is transported or repatriated back to Canada.
- Family transportation: One return economy airfare or ground transportation costs and coverage for day for meals and accommodation.
- Out of pocket expenses, while hospitalized on scheduled return date.
- Child care
- Accidental Dental and Dental pain coverage
- Maternity coverage, childbirth or complications during the 9 weeks prior to the expected delivery date
- Repatriation and Burial/cremation at place of death (excluding cost of a burial coffin or urn)
- Return of vehicle
- Accidental death and dismemberment
An option to buy higher deductible can be considered
It is always in your best interest to talk to an independent Insurance broker regarding Super Visa policy. The broker can help you in buying right product with all the benefits at lower or competitive cost. Life Care Insurance researches the market place on your behalf and get you the right coverage. Buying super visa with higher deductible makes sense when the age of insured is high, pre-existing conditions and medical benefits.
We are committed to give you best product and best after sale service. Our motto is your satisfaction and we set higher standards for our brokers to meet your expectations. Broker can suggest you increasing the deductible and help you shop around for best policy that meet insured’s needs in addition to cost of plan.
Conclusion
We are always there to help you in selection and excellent customer service. Whether its about understanding the features of policy or filing claim, at every step our experienced and trained broker will provide you all the assistance thus giving you complete peace of mind.
For more information about Super Visa policy call us at 1 877 495 2525 or write to us : info@lifecareinsurance.ca
Stay at Hospitals in case of emergency can be very costly
The purpose of Super Visa insurance is to cover hospital expenses in case of emergency. The hospitals across Canada charge different rates in case of emergency. The charges for room, initial consultation, surgery, ambulance services, medical test and diagnostics and cost for procedures vary hospital to hospital.
Some rates of hospital charges across Canada include:
- $15.25 per day for basic television in Ontario
- $750 initial fee for visiting the emergency room in British Columbia
- $1,099.35 for medically essential ambulance transport in Nova Scotia
- $3,100 per day for a semi-private room in Ontario
The cost for medical procedures is also important to research. It can cost as much as:
- $20 for 5 cm of sutures in Newfoundland
- $49 for an x-ray (plus hospital fee) in Ontario
- $598.40 for an appendectomy in the Yukon
- $670.65 to repair a broken leg (open reduction of a lower leg fracture) in Manitoba
- $7,000 minimum to put in or replace a pacemaker in British Columbia
The above costs are estimates, and intended for illustrative purposes only.
Super Visa Applications
Cheackout or download Parent and Grandparent Super Visa Insurance Application from listed below.
Frequently Asked Questions
When should I purchase medical insurance (Visitor to Canada) ?
You can buy the coverage before or after arrival. But we recommend you to purchase prior to arrival to Canada.
Why should I buy travel insurance?
Travel insurance protects you in the case of medical emergencies, delays, theft and the last–minute plan changes that can happen anytime, anywhere, whether you travel frequently or occasionally.
What is the maximum number of days I can buy travel insurance for?
This also depends upon different travel insurance providers. For more details contact us at our toll free number: 1 877 495 2525.
Email: office@lifecareinsurance.ca
What is a Deductible?
This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expense, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.
Why should I contact Life Care Insurance?
You may need service for claims, date change, extension, and increase in coverage, more family member coming to visit or you traveling out of Canada. There could many reasons to contact us and we are committed to provide you satisfactory service as and when you need.
You can contact us through our Toll Free Number 1 877 495 2525.Email: info@lifecareinsurance.ca
Is Life Care Insurance an insurance company?
No, Life Care Insurance and Financial Experts Inc. is Canada’s one-stop insurance portal. We are an online insurance shopping tool, providing consumers with insurance information and quote of provide competitive from competing insurance companies, 24/7. We are not an insurance company, but we do work closely with most of Canada’s top insurance providers to deliver unbiased information and quotes to our clients.
Is there any cost for getting quotes through lifecareinsurance.ca?
Absolutely not; the portal is a free online service where you can get unbiased quotes.
Requirements to Qualify for Super Visa
- Parent or grandparent of Canadian citizen or permanent resident of Canada.
- The person must be allowed to enter Canada.
- In the application one must Provide proof that your child or grandchild meets the minimum income threshold.
- The sponsor must give a written statement that he or she will give you financial support.
- Letter of invitation from your child or grandchild.
- Have medical insurance coverage for one year with a minimum of $100,000 coverage.
Frequently Asked Questions
When should I purchase medical insurance (Visitor to Canada) ?
You can buy the coverage before or after arrival. But we recommend you to purchase prior to arrival to Canada.
Why should I buy travel insurance?
Travel insurance protects you in the case of medical emergencies, delays, theft and the last–minute plan changes that can happen anytime, anywhere, whether you travel frequently or occasionally.
What is the maximum number of days I can buy travel insurance for?
This also depends upon different travel insurance providers. For more details contact us at our toll free number: 1 877 495 2525.Email: office@lifecareinsurance.ca
What is a Deductible?
This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expense, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.
Why should I contact Life Care Insurance?
You may need service for claims, date change, extension, and increase in coverage, more family member coming to visit or you traveling out of Canada. There could many reasons to contact us and we are committed to provide you satisfactory service as and when you need.
You can contact us through our Toll Free Number 1 877 495 2525.Email: info@lifecareinsurance.ca
Is Life Care Insurance an insurance company?
No, Life Care Insurance and Financial Experts Inc. is Canada’s one-stop insurance portal. We are an online insurance shopping tool, providing consumers with insurance information and quote of provide competitive from competing insurance companies, 24/7. We are not an insurance company, but we do work closely with most of Canada’s top insurance providers to deliver unbiased information and quotes to our clients.
Is there any cost for getting quotes through lifecareinsurance.ca?
Absolutely not; the portal is a free online service where you can get unbiased quotes.
I found a rate lower elsewhere. Why is that?
The portal offers quotes from some of Canada’s leading insurance companies – but not all of them. If you have a rate through a group program or enjoy discounts from your current provider because you’re a long-standing customer, you may find a better rate elsewhere.
IF you are getting low rates as compared to us , Please feel free to contact us .Via all Toll Free Number or Email at : office@lifecareinsurance.ca
What is your privacy policy and is the site secure?
Yes Lifecareinsurance.cavalues your privacy, and demonstrates our commitment to your privacy.
You can learn much more about privacy from the Office of the Privacy Commissioner of Canada.
The Privacy Act
You are protected by The Privacy Act of 1983, whichlimits the collection, use and disclosure of your personal informationgives you the right to access and correct personal information which has been collectedYou can learn more from the Treasury Board of Canada Secretariat.
PIPEDA
You are also protected by PIPEDA (the Personal Information Protection and Electronic Documents Act), which started taking effect in 2002. You must give consent before information about you is collected, used or disclosed. Ten principles apply:
- Accountability
- Identifying purposes
- Consent
- Limiting collection
- Limiting use, disclosure, and retention
- Accuracy
- Safeguards
- Openness
- Individual access
- Challenging compliance
You can learn more from the Treasury Board of Canada Secretariat.
What is a Pre-existing Condition?
Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consults a physician, having symptoms, is hospitalized or medications are prescribed within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is the major reason for declined Super Visa. The look back period may vary from 3 months to life time. Please, read the exclusion section in the insurance policy booklet for exact definition.
Is it possible to extend a Visitors Insurance policy term?
Most Visitors Insurance policies can be extended. Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and should not have any pending Super Visa.
Can I cancel an insurance policy and receive a refund?
Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply.
Do I need to take a medical test before I can buy Visitors to Canada insurance?
No. There is no medical exam required prior to purchase. You just have to fill the form which comprises of a few medical questions. You must answer all questions honestly, as not doing so may void (cancel) your coverage.
Can I choose any doctor/hospital?
There are no restrictions where you seek medical service in Canada, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.
Can my parents buy health insurance from their home country?
According to the above quote from the government’s website, proof of Canadian medical insurance is required. While this may change in the future to a list of approved international carriers, the guidance so far is for visitors to purchase visitors insurance from a Canadian company.
Can I purchase a policy for my family members who are planning to come for a visit?
Yes. Any person can purchase a visitors insurance policy on behalf of someone coming to Canada.
Is the parent and grandparent super visa a multi-entry visa?
Parents and grandparents of Canadian citizens or permanent residents who have been found admissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government.
Can I get a discount if I buy visitor's insurance for 2-3 people visiting together to Canada?
You can apply for a quote online by visiting our website or call our toll free number. After going through your requisites we will be able to give you a competitive rate.
Can I get Super Visa Medical Insurance for ages: 87, 88, 89 and above?
In case your parents or grandparents are above 87 years of age then call us for special rates @ 1 877 495 2525.
Can we cover Diabetes as a Pre-existing Condition under Super Visa Insurance?
Yes, the coverage depends on stability period, complications, age and other medical issues. In most cases we can cover the pre-existing condition; but we advise you to talk to live agent or refer to policy manual.
Which Super Visa Insurance plan is the best; with deductible or no deductible?
This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expense, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.
Refund of money in case of visa refusal?
In case your Super Visa application is refused you will get the full premium refund. You will have to provide proof of the rejection of your super visa application in order to process the cancellation request.
In case parents or grandparents go back to their home country, is there an early refund of premium?
If parents or grandparents decide to go back before their Super Visa expires after 12 months, a prorated refund is available. You only pay for the months they stay in Canada. Note:- Partial refunds are possible, only if there are No Claim(s) on the policy.
What is the recommended amount of insurance benefit to purchase?
Generally one should to purchase at least 100,000 $ of medical insurance coverage as hospital cost for visitor to Canada can run up to 2500 $ Per Day.But, one should consider all aspects not limited to age, Health status, Pre-existing condition etc.
Special Note: For super visa application; one must buy at least $ 100,000 medical insurance from Canadian Insurance Company.