Super Visa Medical Insurance Cost: What Are Your Options?

 

What is Super Visa Medical Insurance?

Each year, Canadian residents and permanent residents invite their relatives to visit Canada for a period of up to three months, under the special Super Visa scheme, that requires applicants to have proper health insurance coverage. Under the Super Visa plan, a family of any size does not need to submit an application to the immigration authorities, they simply enjoy the benefits and enjoy the protection of the three month visa free trial period.

 

Canadian medical insurance cost?

The first question that many people ask when they hear the term "three month free trial" is "how much is the total cost of the medical insurance coverage during the period of the trial?" And the answer is...A LOT! In fact, the average Canadian family will be required to submit proof of income and employment for at least two full years, in order to qualify for the special three month free-trial period.

A good way to determine the actual cost of the three month "free-trial" period for your coverage is to calculate the cost of two premium health plans offered by a preferred provider (under the regular open market category) and the cost of the extended health coverage recommended by your doctor or provincial health board.

Once you've established the affordability of the super visa medical insurance cost for you and your family, consider whether or not you need to include prescription coverage as part of your plan. The majority of sponsors of this special three month "trial" offer a special prescription plan which offers a discount on the entire cost of prescriptions when you are approved for the program. However, there are some sponsors who require that you meet their minimum required benefits requirements before they will offer this special prescription benefit. As well, there are some sponsors who require that you meet their minimum required coinsurance requirements (earning a referral card). Review the details of your Sponsorship contract to be sure you understand what your insurer's minimum requirements are.

Another area of potential expense is the possibility of an emergency hospitalization or emergency room trip. Because you have already established the affordability of the super visa medical insurance policy, you can decide whether or not such costs are worth the investment. For example, if you or one of your family members will need to be admitted to a hospital for an extended period of time due to illness or severe injury, you may be able to get additional "free" medical treatment in Canada. However, if you will only be needing hospital services for a matter of days, this is not an issue and you can make do with the basic levels of health care available in Canada without any significant additional financial outlay.

As a note, please note that while you are restricted to using a Canadian Sponsorship for the entire period of your stay in Canada, you can still use your Sponsorship for medical emergencies that occur outside of your home country. That said, there are certain restrictions with regards to outside medical coverage. As well, you must provide proof that you have had continuous coverage in your home country for a year before you can qualify for a free health care holiday in Canada. The good news is that in most cases you will be covered by your Sponsorship, but the down side is that you will be limited in the coverage provided.

We highly recommend you take the time to compare many different insurance providers online before deciding on which super visa medical insurance cost is best for you. Our website will help you to compare many different health plans from different companies so that you get the best policy at the lowest cost. In addition, our easy-to-use comparison tools will help you make an informed decision about your permanent residence health care needs. By taking the time to compare many different insurance products, you can ensure that you have the health coverage that you need at the most affordable price possible.