What is super visa insurance

11 Mar

What is super visa insurance

What is Super Visa Insurance

Super Visa Insurance is new concept that came into light along with super visa. The applicants of super visa need to obtain private Canadian health insurance termed as super visa insurance. While applying for super visa, applicants need to submit a copy of their Canadian health insurance with a minimum validity period of one year and it should cover health care, repatriation and hospitalization with minimum cover amount of $100,000. During the entire stay, the insurance must not expire and these terms and conditions are made known to every visitor of Canada by insurance companies. 
 Super visa insurance will feature premium amount, coverage amount, primary and secondary benefits, refund policy, etc. There are many Insurance Carriers in Canada who provide Super Visa Insurance coverage. Emergency expense benefits, fees, deductible options, policy exclusions and refund policies are some of the basis that is used to appraise policies of different companies. The policy period starts from the date of departure and in case, you have already purchased the policy and you decide not to visit Canada or visa has been denied or you go back to your home country early; partial and full refunds are available with $ 100 to @ 250 admin fee. In case of visa not issued by Canadian High Commission 100% refund is available before the start of insurance date. 
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. 

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What is a Super Visa Insurance monthly Plan? 

The Super Visa Insurance policy premiums are paid upfront for one full year 365 days while buying the policy. Some insurance companies offer monthly plans as well. Under monthly plans, the applicant applies for Super Visa policy and pays the premium on a monthly basis. 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. The monthly payment plan helps the applicant to manage the cost. Moreover, in case your parents or grandparents decided to return early, it is very easy to cancel the policy and get a refund. Some conditions apply and plan varies from company to company. All applicants must read policy terms and conditions before making a purchase. 

Super Visa Insurance Refund? 

The refund on Super Visa Insurance policy can arise due to following situations: 

  1. When you apply for the super visa and buy the policy you provide the expected date of travel to your insurance broker. The policy period starts from the date of departure and in case, you have already purchased the policy and you decide not to visit Canada or visa has been denied or you go back to your home country early; partial and full refunds are available.
  2. When visa officer refuses the Super Visa application-  In case of visa refused by Canadian High Commission, 100% refund is available before the start of insurance date.
  3. In case of early return of your parents or grandparents to the home country and if 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. 
  4. In case Visa is issued to your parent or grandparents but they decide not to visit and want to cancel the policy, the refund can be issued to applicant minus admin fee which can goupto$250 per policy and 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.  

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