Introduction
In a significant policy shift, Canada has relaxed health insurance requirements for Super Visa applicants, making it easier for Indian parents and grandparents to reunite with their families in Canada. Effective from January 28, 2025, applicants can now purchase health insurance from non-Canadian insurers to meet the Super Visa criteria. This change is especially relevant for Indian families seeking affordable and flexible options without compromising on coverage.
Understanding the Super Visa
The Super Visa is a long-term, multiple-entry visa that allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to five years per visit. Unlike standard visitor visas, the Super Visa offers extended stays and quicker processing times, providing a reliable alternative to the often-overbooked Parents and Grandparents Program (PGP).
What Has Changed?
Previously, Super Visa applicants were required to purchase health insurance exclusively from Canadian providers. The new regulation broadens the eligibility, allowing foreign insurance companies to provide the necessary coverage, provided they meet specific criteria.
Eligibility Criteria for Non-Canadian Health Insurance Providers
To qualify under the new rules, non-Canadian insurance providers must:
- Be Authorized by the Office of the Superintendent of Financial Institutions (OSFI): The provider must be listed under the Insurance Companies Act to offer accident and sickness insurance in Canada.
- Appear on OSFI’s List: They must be included in the OSFI’s list of federally regulated financial institutions.
- Conduct Business in Canada: The insurance policy must state that it was issued as part of the company’s business operations in Canada, with the issuing company clearly identified.
Key Requirements for Health Insurance Plans
Regardless of the provider’s origin, the health insurance policy must:
- Be valid for at least one year from the date of entry into Canada.
- Be fully paid or partially paid with an upfront deposit.
- Cover healthcare, hospitalization, and repatriation.
- Provide a minimum coverage of CAD 100,000.
How Indian Families Can Verify Insurance Provider Eligibility
Step 1: Confirm OSFI Recognition
Visit the OSFI’s website to check if the insurer is listed among federally regulated financial institutions.
Step 2: Verify Authorization Under the Insurance Companies Act
Contact OSFI via email (information@osfi-bsif.gc.ca) with details of the insurance company to confirm its authorization status. Expect a response within 15 days.
Step 3: Ensure Compliance with Canadian Business Requirements
Communicate with your insurance provider to ensure the policy includes a statement confirming it was issued as part of the insurer’s business activities in Canada.
Super Visa General Eligibility Criteria
To apply for a Super Visa, the applicant must:
- Be the parent or grandparent of a Canadian citizen or permanent resident.
- Have a child or grandchild (host) who meets income requirements and provides a written commitment of financial support.
- Apply from outside Canada.
- Undergo an immigration medical exam.
- Show proof of private health insurance meeting the outlined criteria.
Benefits of the Super Visa for Indian Families
- Extended Stay Duration: Stay up to five years per visit, with the possibility of a two-year extension.
- Faster Processing: Quicker processing times compared to the PGP, which operates through a lottery system.
- Cost-Effective Options: With the inclusion of non-Canadian insurers, Indian families can now explore more affordable health insurance plans.
Actionable Tips for Indian Applicants
- Compare Insurance Plans: Evaluate both Canadian and Indian insurers to find the best coverage at competitive rates.
- Consult Experts: Seek advice from immigration consultants familiar with Super Visa policies.
- Stay Updated: Follow updates from IRCC and OSFI to ensure compliance with the latest requirements.
Canada’s decision to ease health insurance rules for Super Visa applicants is a welcome change for Indian families. It not only reduces financial burdens but also simplifies the application process, fostering stronger family connections across borders. As Canada continues to adapt its immigration policies, Indian applicants can benefit from increased flexibility and opportunities to reunite with their loved ones.
