Frequently Asked Question

There are questions that are likely to come in the mind of the individuals. Therefore, we give you the questions plus the answers for the following questions.

    • Q 01. Is it compulsory to buy insurance from a Canadian Insurance company instead of from a company in their home country?
    • Ans.   Canadian medical suppliers (hospital, dentists, medical clinics, etc.) favor to work with Canadian insurance companies. There is direct billing between hospitals and the Canadian insurance companies. In the event that you have to pay for expenses and then file a claim, Canadian insurance companies will have a faster claim procedure as they can verify Canadian medical expenses faster than providers in overseas countries which allow you to get reimbursement faster.
    • Q 02. Who is eligible for the new parent and grandparent super visa?
    • Ans.   Parents and grandparents of those who are either Canadian citizens or permanent residents who have been found permissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government. Visa officers consider several factors before deciding if the person is permissible. This means they are a genuine visitor to Canada who will leave by choice at the end of their visit. Among the things that could be considered are:
      • The individuals strong bonds to his/her home country
      • The purpose of their visit,
      • The individuals family and financial state of affairs
      • Invitations from Canadian hosts.
    • Q 03. Why has the government made it compulsory of purchasing visitor's insurance from a Canadian travel insurance company and not from other insurance companies from their home country?
    • Ans.   The Canadian insurance companies are governed by the regulations in Canada, and the government perhaps feels safer that any claims will be paid for by a company they can regulate. The government doesn't want to be the one to have to pay any claims, or sue a company that doesn't pay out a claim.
    • Q 04. Can I purchase a policy for my family members who are planning to come for a visit?
    • Ans.   Yes. Any person can purchase a visitors insurance policy on behalf of someone coming to Canada.
    • Q 05. Pre existing Conditions | Super Visa Insurance
    • Ans.   PRE-EXISTING CONDITIONS: HBP- High Blood Pressure
      HBP - Controlled with Pills, no change of dosage and no hospitalization in last 1 year.
      STABLE and CONTROLLED- any medical condition for which there has been no new treatment or newly prescribed medication; no change in treatment or change in prescribed medication; no new, more frequent or more severe symptom; no test results showing deterioration; no investigations initiated for symptoms whether or not your diagnosis has been determined; no hospitalization and no referral to a specialist.
    • Q 06. What are the minimum requirements for private Canadian health insurance to qualify for a parent and grandparent super visa?
    • Ans.   Applicants must provide proof that they have purchased Canadian health insurance for a minimum of $100,000 in coverage and that it is valid for 1 year. In addition the coverage must be continuous and allowing the applicant to return to their home country as many times as needed within the year.
    • Q 07. Is there any kind of compulsion to get Insurance through CIA (i.e. Canadian Insurance Company)?
    • Ans.   Yes, this is true that you need to get the insurance from the CIA only as they are the ones who are going to cover all the aspects and supply you entire services relating to all medical facilities. It is also important as the process of claim as they can verify Canadian medical expenses faster.
    • Q 08. Is it important to give the invitation letter to get the super visa?
    • Ans.   Yes, you have to give or show the letter of invitation to the officers first that you are called up by your relatives to visit and live with them in Canada.
    • Q 09. Is it possible to get insurance from Super visa at minimum cost?
    • Ans.   Yes, super visa provides you with the latest rates prevailing in the market, so you will not have to worry about the cost, as it will suit your pocket as well as needs.
    • Q 10. Do I get a premium refund if super visa application is declined or withdrawn?
    • Ans.   Yes. You will get the full premium refund minus the administration fee that can vary from company to company. You will have to provide proof of the rejection of your super visa application in order to process the cancellation request.
    • Q 11. Can I make the payment every month for the super visa coverage?
    • Ans.   Yes, the monthly payment plan option is also now available. The payment mode will be through credit cards. The 2 months premium will have to be paid plus the $50 policy fees.
    • Q 12. If my parents do not want to stay in Canada for a full year then will I receive a partial premium fund?
    • Ans.   Yes, you will get the remaining amount of fund back, but partial fund will not be provided if a claim has been submitted or is pending.
    • Q 13. Will it be possible to get the refund back in case of any miss happening and cancellation of the trip?
    • Ans.   It will depend on the term and conditions of the plans so make sure you confirm about it before hand. Usually when a trip is canceled due to the listed reasons in the policy the amount is refunded back.
    • Q 14. Will the immigrant officers ask for medical history or proof of good health for travelling?
    • Ans.   Definitely, the officers ask for the medical history and they need proof in writing that you are fit for travelling.


 
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