Do you need insurance to apply for a Super visa?
A medical insurance is one of the vital prerequisites when applying for a Canadian Super visa. According to the IRCC’s guidelines, applicants must have proof of private medical insurance from a Canadian insurance company. It further specifies that this insurance needs to be paid in full or in instalments, be valid for a minimum of one year after entering Canada, cover healthcare, hospitalization and repatriation, and provide at least $100,000 in emergency coverage.
Why the need for medical insurance?
Visitors to Canada, including Super visa applicants, must be covered by an insurance policy to account for out-of-pocket expenses in case of health emergencies and accidents. It is necessary since visitors are not covered by the Canadian government’s health insurance plans.
Where to buy insurance for a Super visa?
Interested applicants can only purchase a Super visa insurance from a Canadian insurance company. The government has taken steps to incorporate international medical insurance companies, but none have been officially designated by the IRCC so far.
Below, we’ll look into the Medical insurance policies provided by one of the more popular Canadian insurers- Manulife.
About Manulife
Manulife is one of the leading international financial groups that operate in Canada, Asia and Europe. They provide various financial services, including insurance, wealth and asset management solutions and financial advice.
Manulife’s CoverMe travel insurance meets the requirements prescribed for the Super visa. The plan includes emergency coverage for expenses, including:
- Physician services
- Ambulance services
- Hospitalization and
- Prescription drugs
Plan A and Plan B
The plan comes in two options, Plan A- with no medical questionnaire necessary when applying and Plan B- which provides coverage for pre-existing medical conditions as long as the individual has been stable for 180 days prior to the coverage.
|
Plan A |
| Emergency Medical insurance for $100,000 or $150,000 available for applicants of Super Visa |
| Emergency Medical and Travel accident |
|
Options available |
| Deductible Savings |
| Family Coverage |
|
Optional Insurance |
| Trip Interruption |
|
Plan B |
| Emergency Medical insurance for $100,000 or $150,000 available for applicants of Super Visa |
| Emergency Medical and Travel accident |
|
Options available |
| Deductible Savings |
|
Optional Insurance |
| Trip Interruption |
Manulife Rates
The Premiums for Manulife’s insurance plans are as follows:
| Plan A- Premium per day | |||||
| Age/Sum | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 |
| 0-25 | $2.21 | $2.28 | $2.63 | $3.35 | $4.62 |
| 26-34 | $2.25 | $2.44 | $2.82 | $3.62 | $4.93 |
| 35-39 | $2.35 | $2.57 | $2.95 | $3.79 | $5.71 |
| 40-54 | $2.70 | $2.95 | $3.26 | $4.76 | $6.67 |
| 55-59 | $3.05 | $3.10 | $3.68 | $5.14 | $7.14 |
| 60-64 | $3.50 | $3.90 | $4.57 | $6.00 | $7.62 |
| 65-69 | $3.95 | $4.76 | $5.24 | $6.82 | $9.52 |
| 70-74 | $5.60 | $6.67 | $7.90 | $9.92 | N/A |
| 75-79 | $6.67 | $8.47 | $10.14 | $12.87 | N/A |
| 80-85 | $8.95 | $10.56 | $11.43 | $13.10 | N/A |
| Plan B- Premium per day | |||||
| Age/Sum | $15,000 | $25,000 | $50,000 | $100,000 | $150,000 |
| 0-25 | $2.43 | $2.51 | $2.97 | $3.69 | $5.08 |
| 26-34 | $2.48 | $2.68 | $3.10 | $3.98 | $5.42 |
| 35-39 | $2.59 | $2.83 | $3.25 | $4.17 | $6.28 |
| 40-54 | $2.97 | $3.25 | $3.59 | $5.24 | $7.34 |
| 55-59 | $3.36 | $3.41 | $4.05 | $5.65 | $7.85 |
| 60-64 | $3.85 | $4.29 | $5.03 | $6.60 | $8.38 |
| 65-69 | $4.35 | $5.24 | $5.76 | $7.50 | $10.47 |
| 70-74 | $6.16 | $7.34 | $8.69 | $10.91 | N/A |
| 75-79 | $7.34 | $9.32 | $11.15 | $14.16 | N/A |
| 80-85 | $9.85 | $11.62 | $12.57 | $14.41 | N/A |
Manulife also offers the ability to reduce premiums by choosing a deductible amount that the individual will be responsible for paying in case of a claim. The deductible options available for Emergency Medical Plans are as follows:
| Deductible options | $0 | $75 | $500 | $1,000 | $2,500 | $5,000 |
| Applicable Savings/ Surcharge | 5% surcharge | 0% surcharge | 15% savings | 20% savings | 25% savings | $35% savings |
Manulife Super visa Yearly pricing
The yearly pricing for a single individual, aged 50, with a deductible amount of $500 comes in at $1,476.79
Interested Super visa applicants can visit the Manulife site for a complete picture of the plans and to get quotes for any personalized cases.
