Frequently Asked Questions

What is the Minimum Necessary Income of Sponsored is required to apply for Parents Or Grand Parents Super Visa Insurance

Effective from January 1 to December 31, 2015
Depending on your family size, in addition to the amount of people you are inviting, you will need to meet this income based.

A child or grandchild may use the following income scale to determine their income requirements.

Low Income Cut-Off (LICO)

Size of Family Unit Minimum necessary income
1 person (your child or grandchild) $24,328
2 persons $30,286
3 persons $37,234
4 persons $45,206
5 persons $51,272
6 persons $57,826
7 persons $64,381
More than 7 persons, for each additional person, add $6,555

 

What is minimum Coverage requirement to Qualify for Super Visa Insurance?

Applicants for the new Super Visa program must provide proof that they have purchased Canadian healthcare insurance for a minimum of $100,000 in coverage and that it is valid for 365 days

What are different deductible options of Super Visa Insurance?

Choosing a deductible is not necessary , however different deductible options are available to reduce the cost of super visa insurance. This may range from $ 0 to $ 10,000. cost goes down with high deductible, but it is recommended to choose a deductible which is manageable for you to pay up front before policy would pay

When does coverage begin?

Coverage begins on the departure date, if the insured purchased the coverage before that date. The insured must arrive in Canada within 48 hours from the time they leave their Home Country; or 24 hours after the date and time of purchase for an injury if the insured purchases the coverage after arrival in Canada; or 48 hours after the date and time of purchase for a Sickness if the insured purchases this insurance after arrival in Canada.

Does this policy cover pre-existing medical conditions?

At the time Super Visa application, if applicant is taking medication of HBP (High blood pressure), Heart Condition, Lung Condition, Diabetes etc, this automatically means applicant has in pre-existing condition and needs a policy covering these existing conditions.

under 60 years of age Pre-existing condition automatically covered for illnesses related conditions as long as they have been stable  in the 180 days before the policy starts between the ages of 60 and 85 applicant need to be eligible to buy a policy with Stable Chronic Condition Option to covering pre-existing conditions..

When does coverage end?

Coverage ends on the earliest of the following:

  1. The date and time the insured cancels their insurance;
  2. The date the insured becomes eligible for coverage under any Canadian federal, provincial or territorial government health insurance plan;
  3. On the date the insured returns to their Home Country;
  4. The Expiry Date as shown on the insured’s Policy Confirmation.

Is there any refund if Super Visa is rejected or Withdrawn? 

We absolutely understand that there is possibility of super visa refusal and insurance premiums of Super Visa are high, so we offer plans that would refund 100% in case of visa refusal. In order to process the refund request of Super Visa Premiums, applicant must submit proof of the Rejection letter from immigration office of Canada.

Is there any partial refund of premiums If parents/ Grand parents do not Stay for one year?

There is no refund of premium if a claim under a super policy has been submitted or pending. Refund on early depart to home country can be claim can be obtained with proof of travel and/or a copy of the Super Visa showing any conditions stipulated at the time of entry into Canada.