Canada loosens health insurance rules for Super Visa applicants.

Table of Contents

1. Introduction
2. Expanded Health Insurance Eligibility for the Super Visa
3. Eligible Non-Canadian Health Insurance Providers
4. How to Verify a Non-Canadian Health Insurance Provider

• Step One: Ensure OSFI Recognition
• Step Two: Verify Authorization Under the Insurance Companies Act
• Step Three: Confirm Insurance Policy Issuance in Canada
• 5.Super Visa General Eligibility and Benefits
• 6. Conclusion

Introduction

Canada’s immigration department has broadened health insurance eligibility requirements for the Super Visa, making it easier for parents and grandparents to visit their families in Canada. This change is significant for those seeking long-term visits without the complexities of permanent residency applications.

Effective January 28, 2025, applicants for the Canadian Super Visa can purchase health insurance from non-Canadian insurers, fulfilling the proof of health insurance requirement. Previously, only Canadian insurers were allowed to provide coverage. Super Visa holders must have private health insurance active upon every entry into Canada.

Eligible Non-Canadian Health Insurance Providers

To meet the Super Visa requirements, a non-Canadian health insurance provider must:

• Be authorized by the Office of the Superintendent of Financial Institutions (OSFI) under the Insurance Companies Act to provide accident and sickness insurance.
• Be listed on the OSFI’s federally regulated financial institutions directory.
• Issue the policy in the course of its insurance business in Canada, including a statement confirming this on the policy document.

Insurance brokers and claims administrators will not be eligible, as they are not insurance providers.

How to Verify a Non-Canadian Health Insurance Provider

If you are considering a non-Canadian insurance provider, follow these steps to ensure compliance:

Step One: Ensure OSFI Recognition

Check if your insurance provider appears on the OSFI’s list of federally regulated financial institutions. The list includes 79 banks and 41 trust companies.

Step Two: Verify Authorization Under the Insurance Companies Act

You can email the OSFI at information@osfi-bsif.gc.ca to verify if a provider is authorized. Include relevant details about the provider and mention that you are inquiring about Super Visa compliance.

Step Three: Confirm Insurance Policy Issuance in Canada

Your policy must explicitly state that it was issued or made in the course of the provider’s business in Canada. Ensure that this requirement is communicated to the insurer before purchasing coverage.

Super Visa General Eligibility and Benefits

The Super Visa allows parents and grandparents of Canadian permanent residents and citizens to visit Canada for extended periods. Key benefits include:

• Stay duration of up to five years, with a two-year extension option.
• A quicker alternative to the Parents and Grandparents Program (PGP), which has a lottery system and uncertain processing timelines.

Eligibility Criteria

To apply for a Super Visa, you must:

• Have a host who is your child or grandchild, a Canadian citizen, permanent resident, or registered Indian, and at least 18 years old.
• Ensure your host meets minimum income requirements and agrees to support you financially.
• Apply from outside Canada and obtain a visa from an external visa office.
• Pass an immigration medical exam.
• Have health insurance for the duration of your stay.

For visits shorter than six months, a regular visitor visa may be a simpler option.

Conclusion

With the recent expansion of health insurance eligibility, more parents and grandparents can reunite with their families in Canada under the Super Visa program. For guidance on selecting the best health insurance provider and navigating Canada immigration policies, Wave Immigration Consultant is here to help. As the best immigration consultant in Delhi, Wave Visas ensures a seamless application process for those looking to bring their loved ones closer.

Corporate Office : 2nd Floor, Right Side, Building No. 5, Kehar Singh Estate Westend Marg, Lane No. 2, Saidulajab, Saket New Delhi 110030.