Do You Need Super Visa Health Insurance?
Without the need for renewal of status, as of 2011, the grandparents and parents of permanent residents and citizens of Canada have an expedient and easier option for visiting loved ones in Canada. The new Super Visa allows these visitors to stay in the country for as long as two years at a time. On average, the waiting time for the visa is only eight weeks and the applications fees are relatively cheap. Plus, the visa is good for ten years and allows multiple entries.
Medical insurance is an important prerequisite for being eligible for the Super Visa. Evidence of Super Visa health insurance must be submitted before an applicant will be considered. Evidence that they can support their visiting relatives must also be provided by the residents sponsoring their grandparent or parent. And, separate Super Visa health insurance must be obtained by each grandparent or parent. Point of entry officers must be able to view the proof of insurance each time these visitors enter Canada.
Super Visa Health Insurance Requirements
Requirements of the Super Visa health insurance include
· Providing a minimum of $100,000 of coverage
· Covering hospitalization, repatriation, and health care costs
· From the date of entry to Canada, being valid for at least a year
Canadian medical providers work closely with Canadian insurance companies, therefore visitors are required to buy their health insurance form private Canadian insurance companies. This makes the settlement and claim reimbursement process work more quickly since there is direct billing between the insurance company and the hospital or other provider.
Can You Apply on Behalf of a Visitor?
Much like the process for applying for your parents or grandparents to get a Super Visa, you can apply for Super Visa health insurance on behalf of your loved ones. Unfortunately, it is easy for the policy to become null and void if you happen to make any incorrect statements regarding the health history of your Super Visa recipient.
There is no requirement for getting a medical examination prior to getting insurance, though an immigration medical examination is compulsory for Super Visa applicants. But, again, the application for insurance coverage must be filled out accurately. To determine if a policy holder had a pre-existing condition, the insurance provider may do some research if a claim is submitted.
By the way, a pre-existing condition is an injury, medical condition, or sickness which existed prior to the effective date of your coverage and for which the applicant received or required medical consultation or for which the applicant exhibited symptoms or signs. It really depends upon the policy as to whether a pre-existing will be covered or not. Some policies absolutely will not cover pre-existing conditions. Other will cover it if it has been stable for a sufficient period of time.
Accidental dismemberment or death are sometimes covered with this insurance, and emergency medical travel insurance is always covered. If the Super Visa is approved, additional benefits may also be purchased.
Via cheque or credit card, Super Visa applicants are required to pay for the annual premium in one lump sum prior to visiting Canada, therefore there are no monthly premiums available. However, through using pucherinsurance.com’s services, you can be sure to find the most affordable coverage for your needs. pucherinsurance.com collects the quotes from a variety of insurance providers and lets you know what works best for your needs.
Some insurance companies will even refund you the costs of any coverage that is not used by the Super Visa recipient. Once you return to your country of origin, check with the insurance company if you can get money back.