Ottawa, Canada – In a major policy shift, Immigration, Refugees, and Citizenship Canada (IRCC) has announced a crucial update to the Canada Super Visa program. As of January 28, 2025, new health insurance rules will make it easier for parents and grandparents to visit their loved ones in Canada. This change will allow applicants to buy health insurance from non-Canadian providers, provided they meet Canada’s strict insurance requirements.
The Super Visa is a long-term, multiple-entry visa that lets parents and grandparents of Canadian citizens and permanent residents stay in Canada for extended periods. Previously, Super Visa applicants were required to purchase medical insurance exclusively from Canadian insurance providers. With this new rule, applicants now have more flexibility in choosing their insurance provider while ensuring they meet Canada's health coverage standards.
Key Changes in Super Visa Health Insurance Requirements
Under the revised regulations, non-Canadian insurance providers must meet the following conditions:
- Be licensed under Canada’s Insurance Companies Act
- Be listed on the OSFI’s (Office of the Superintendent of Financial Institutions) roster
- Issue policies that are valid in Canada and part of their insurance activities
- Provide at least $100,000 in health coverage, including hospitalization and repatriation
- Offer coverage for at least one year from the date of entry
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Super Visa Health Insurance: Canadian vs. Non-Canadian Providers
The table below compares health insurance from Canadian vs. non-Canadian providers under the new rule:
| Criteria | Canadian Insurance Providers | Non-Canadian Insurance Providers |
|---|---|---|
| License Requirement | Must be licensed in Canada | Must be OSFI-approved & federally regulated |
| Minimum Coverage | $100,000 | $100,000 |
| Coverage Duration | Minimum 1 year | Minimum 1 year |
| Hospitalization & Repatriation | Required | Required |
| Payment Structure | Paid in full or deposit-based | Paid in full or deposit-based |
Steps to Verify Non-Canadian Health Insurance Providers
Super Visa applicants must verify their insurance provider before purchasing a policy. Follow these steps:
Step 1: Confirm OSFI Recognition
- Check the OSFI’s list of federally regulated financial institutions.
- Ensure your insurance provider is listed and licensed in Canada.
Step 2: Check Authorization Under the Insurance Companies Act
- Contact OSFI to verify if your provider is authorized under Canada’s Insurance Companies Act.
- Send an email inquiry with the company name, coverage details, and your reason for the inquiry.
- OSFI typically responds within 15 business days.
Step 3: Ensure the Policy is Issued in Canada
- The policy must be issued as part of the provider’s insurance operations in Canada.
- Ensure the insurance document states that the policy complies with Canadian regulations.
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Super Visa: A Gateway for Family Reunification
The Super Visa is a popular option for parents and grandparents of Canadian citizens and permanent residents. It allows stays of up to five years per visit and multiple entries for up to 10 years.
Eligibility Criteria for Super Visa
To qualify for a Super Visa, applicants must:
- Provide proof of financial support from their child or grandchild in Canada
- Show that the sponsor meets the minimum income threshold
- Obtain valid medical insurance from an approved provider covering at least $100,000 for one year
- Undergo a medical examination for admissibility
This policy update aims to make it easier and more affordable for families to reunite while maintaining essential health insurance protections.
How Visa Solutions 4u Can Help?
Navigating the Super Visa process can be complex, especially with these new changes. Visa Solutions 4u provides expert guidance on:
- Selecting the right insurance provider based on the new regulations
- Ensuring your insurance meets OSFI’s requirements
- Helping you complete the Super Visa application with accuracy
- Providing updates on immigration policies
Get in touch with Visa Solutions 4u today to secure your Super Visa without hassle!
