Super Visa Insurance
Under the family reunification program, the Canadian government has initiated to provide Visa to Parents, Grand Parents and Spouses of those who are Permanent Residents or Canadian Citizens in order to allow them to stay in Canada for a maximum of two years without renewing their visa and their families can reunite faster than before they need not to apply for visa time and again to enter the country. The Super Visa also permits the family of the Canadian Citizens or Permanent Residents to enter Canada multiple times over a period of 10 years without having to re-apply.
To qualify for a Canadian Super Visa, the applicant has to fulfill various prerequisites as laid down by the Canadian Government.
One of the prerequisites for the Super Visa is “Super Visa Insurance”.
Whenever a Canadian citizen or Permanent Resident applies for their Parents, Grand Parents, or their Spouse to visit Canada, they are required to purchase a private medical insurance also known as “Super Visa Insurance policy” and forward the details to the Canadian Visa Office which is processing the application where the parent’s of the applicant resides.
The concept of Super Visa Insurance has emerged as the health costs in Canada are some of the most expensive in the world and the Visa Officers must be certain that admitting the people in hospitals while in Canada is not going to end up representing a net cost to the Canadian taxpayers as the Non-Canadian residents are not covered to provincial or territorial coverage.
To be a valid Super Visa Insurance:
• IT MUST COME FROM A CANADIAN INSURANCE COMPANY.
• IT MUST COVER THE PARENTS, GRANDPARENTS OR SPOUSE FOR HEALTH CARE, HOSPITALIZATION AND REPATRIATION.
• IT MUST PROVIDE A MINIMUM OF $100,000 COVERAGE.
• IT MUST COVER AT LEAST 365 DAYS AND
• MUST BE VALID FOR EACH ENTRY TO CANADA.
While purchasing a Super Visa Insurance from a particular Canadian Company, the applicant must check the reputation of the company and the terms and conditions of the policy like,
1. HOW MUCH WILL BE THE PREMIUM?
2. WHAT IF THE RELATIVE DEPART CANADA PRIOR TO THE PERIOD OF 365 DAYS?
With regards to the minimum amount of coverage requirement, it was considered what other nations require for medical coverage and the average expense of healthcare services to produce the $100,000 requirement. It was determined $100,000 would be fair to the applicant and the Canadian taxpayer. Moreover, the insurance companies are bound to pay back the premium on pro-rata basis if the relative depart Canada prior to the period of 365 days.
This Article is prepared for general information purposes only and is intended to provide comments for readers and friends. The contents should not be viewed as legal advice or opinion.