Super visa insurance for pre-existing medical conditions

Super visa is mainly offered to immigrants’ parents and grandparents for their visit to Canada. Parents and grandparents on super visa are not eligible to free medical services provided under provincial governments in Canada. Therefore, they are required to purchase super visa medical insurance for their stay in Canada. Before purchasing medical insurance, you must have clear idea of what medical needs of your parents should be covered by insurance. For example, most of the people in old age needs coverage for pre-existing medical conditions. Pre-existing medical conditions are illnesses that you already have before insurance start like Blood Pressure, Diabetes, Cholesterol, Heart and Lungs related conditions, etc.




Medical insurances normally treat pre-existing conditions differently. To be covered for pre-existing medical conditions you need to buy specially designed plans and these plans are expensive as compared to the regular plans. myTravel-insurance offers three different plans to better suit your medical and financial needs.


Basic Plan:

  • Least expensive plan among the all three plans offered at myTravel-insurance.

  • Available for all ages.

  • Does NOT cover pre-existing medical conditions.

  • Covers*:

o Medical care from physician inside/outside hospital

o Basic and advanced diagnostic services

o One follow-up visit per sickness event

o Prescribed medication

o Hospital stay

o Emergency transport (e.g., ambulance)


Standard Plan:

  • Available for ages 55 to 85.

  • Does NOT cover pre-existing medical conditions but provide enhanced medical coverage as compared to basic plan. See below for coverage.

  • Covers*:

o All benefits covered by basic plan plus

o Dental accident and dental pain relief

o Additional up to $25,000 coverage for accidental death and dismemberment


Enhanced Plan:

  • Available for all ages up to 85.

  • A medical questionnaire regarding medical conditions of applicant needs to be completed at the time of purchase of this plan.

  • Covers*:

o All benefits covered by basic and standard plan above plus

o Stable Pre-existing conditions (e.g., Blood Pressure, Diabetes, Cholesterol, Heart and Lungs related conditions, etc.). These pre-existing conditions need to be stable in last 180 days to be covered by insurance. Medical conditions (e.g., BP, diabetes) are stable if there is no change in medication and/or no significant illness happened related to these conditions in the last 180 days.


Here's the benefits chart that can be used as a quick reference to assist purchase of medical insurance for super visa. See more detailed insurance benefits chart for further details.

Benefit

Basic

Standard

Enhanced

Pre-existing medical conditions

NO

NO

YES

Medical care from physician inside/outside hospital

YES

YES

YES

Basic and advanced diagnostic services

YES

YES

YES

Follow-up visits

Only one follow-up visit per sickness

YES (no limit on follow-up visits)

YES (no limit on follow-up visits)

Prescribed medication

YES

YES

YES

Hospital stay

YES

YES

YES

Emergency transport (e.g., ambulance)

YES

YES

YES

Dental accident and dental pain relief

NO

YES

YES

Accidental death and dismemberment

NO

Up to $25,000

Up to $25,000




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