Travelling to Canada for a longer time frame is a new opportunity, which the parents and grandparents of Canadian citizens or permanent residents can make use of in the form of the Super Visa. On the other hand, one of the most important conditions of the Super visa is having sufficient health insurance. The insurance in this case is made available to parents and grandparents in the form of medical insurance which is charged exclusively to Super Visa holders so that the parents and grandparents can receive gender-funded healthcare services even when in Canadian territory thus protecting them and their families from unanticipated medical outlays. The current article will be focused particularly on the Super Visa insurance plan, its benefits under health insurance, and the relief it brings to families.
Broad Emergency Medical Benefits Coverage
Primarily the Super Visa insurance plan has one primary activity which is the treatment of medical bills incurred as a result of an emergency injury or illness requiring advanced care. Whether on Canadian soil or on his/ her way to Canada during health emergencies, the policy assures the presence of emergency medical services when people require them. The importance of this coverage is especially highlighted to international guests, as it protects them from the consequences of excessive medical expenses caused by sudden illness.
Covered illnesses ‘minor’ and ‘major’
The plan mainly targets emergencies but also accounts for minor illnesses like colds, coughs, body aches, diarrhoea, and infections. These day-to-day health problems which seem small and often neglected can at times develop into major health issues and having health insurance that includes consultation and treatment for such problems is a blessing. The cover extending covers up to the total insured amount giving super visa holders provisions to seek any kind of medical intervention while in Canada.
Hospitalization and Physician’s Cost
Being admitted to a hospital can be very expensive, especially in a country like Canada that does not offer free medical care to non-residents. Thankfully, hospitalization expenses are also covered under the Super Visa insurance plan up to the insured limit enabling parents and or grandparents to get the medical attention required without the worry of excessive costs. Physicians’ consultancy, treatment, and visits after discharge from the hospital are covered up to the insured limit, apart from inpatient services. This makes sure that from the time the policyholders arrive in Canada, they are able to get proper healthcare services of high quality.
Continuing Care and E-Consultation
In certain circumstances, a medication may entail two or more follow-up medications. The Super Visa insurance plan extends to cover the unlimited number of follow-up visits necessary to address an emergency and reimburse the patient once the emergency is over, but this applies relative to the original costs incurred. The only limitation to this, however, is that the recurrence of one and the same historical illness is not included.
Also, the program covers virtual consultations, allowing those insured to seek medical help without having to actually go to the clinic to do so, which they may find challenging. This feature comes in handy today considering the virtual world is now a big part of the healthcare system.
Medicine Rehabilitation and Medical Imaging
Super Visa insurance also reimburses the insured for purchasing prescription drugs that are part of the emergency treatment prescribed by a physician, within the limits set per insured sum. This makes sure no one runs out of these drugs necessary for speedy therapeutic procedures.
Laboratory diagnostics and general radiographs as diagnostic and therapeutic tools against a wide range of medical diseases are also included in the plan. It does not matter whether it’s a simple blood workup for example or any other more complicated condition and the reason why the patient is seeking medical insurance is that these types of services are covered up to the insured amount thereby easing the burden during seeking treatment.
Ambulance Services and Emergency Return Home
Under the Super Visa insurance plan, local ambulance services are accessible in case of a medical emergency. This guarantees that people will be taken to the nearest medical facility for treating the injury without the concern of cost.
In more high-end cases, where a policyholder needs an emergency return to the home country, it contains insurance for air or air ambulance services Clarke & Kennedy meets the needs of this benefit worth up to $25000. This advantage is very relevant in situations where a person requires more care than what is offered in Canada or in cases where patients would prefer to seek long-range treatment in their homes.
Private Duty Nurse and Medical Appliances
The Super Visa insurance plan also covers a private duty nurse, which extends to spending up to $10,000, especially in relation to complex medical situations. This benefit is particularly beneficial for patients who are in recovery and would like individual attention from their nurse.
Apart from that, crutches, wheelchairs and other accessories are also provided with respect to the insured amount. These appliances are important for movements and recovery purposes, and it is surely going to place less emphasis on the psychological aspect of the families if these appliances are insured.
The Purpose and Significance of this Plan for Dental Treatment and Other Specialized Services
The plan reaches out further and provides some coverage for tooth infections, and fractures as well up to the amount of $5000. Dentists cannot only be seen in regular visits unlike when people have dental emergencies. This coverage helps cater for most dental emergencies that happen once in a while.
Coverage up to $2000 is available for referred specialized services such as chiropractic, osteopathy, chiropody, podiatry and physiotherapy if requisitioned by a doctor. These services are crucial to recovery and rehabilitation, especially for the elderly, which is a population usually judged as frail with the capacity of great well-being maintenance through this supporting treatment after sustaining injuries or suffering from illnesses.
Additional Benefits for Peace of Mind
In addition to their medical injury cover, the Super Visa insurance plan comes with many other benefits that aim to reassure families. For instance, the terrible constant expenses after a family member is fully hospitalized are alleviated in that insured persons can claim out-of-pocket expenses while admitted for a period of $2000. In addition, the policy includes provisions for meals and accommodation incurred during the moratorium of travel, with a payment of $2000.
In the unfortunate event of an accidental death, the plan offers death benefits of up to $25,000 if purchased. Moreover, they also provide for expenses towards a repatriation of remains, cremation or burial for an amount not exceeding $10,000, protecting families during difficult moments.
COVID-19 Coverage and Payment Plans
As we are still facing a hard time due to the ongoing pandemic, it is worth stating that the Super Visa insurance covers Covid-19 within the available insured amount. This coverage assures policyholders access to treatment in the event of contracting the virus while visiting Canada.
This plan also allows families on this plan to pay a small amount each month so that they will not be overburdened by the expenses. Long-term policyholders and those who accompany them on travel have further options on savings and deductibles making the plan even more economical.
Conclusion
Super Visa insurance has come up with a vigorous health insurance plan which takes care of travelling parents and guardians within Canada so that no one gets put under the burden of unplanned medical expenses. Coverage for emergency treatments, hospitalization, prescription drugs and other specialized services along with so much more, this insurance plan is a must for all Super Visa companies.
Visit Parents Super Visa
If you have most of the Super Visa requirements and are looking to apply for this kind of immigration visa, medical coverage is necessary. Parents Super Visa provides initiative insurance plans which are specially created for Super Visa clients. So make sure that your loved ones are safe during their stay in Canada and get in touch with us, we have many other programs available.
