Super Visa Insurance Service by Gurinder Chahal From Punjab Insurance

Life is unpredictable, you are always unable to control when certain events occur but you are able to navigate through the happenings. Human beings are designed to always try to control whatever is happening around them in order to feel in control. Insurance is one of the major ways that most people use to take control of these happenings when it comes to their wellbeing. Mainly because of the rising medical expenses in the health industry; they range from medical insurance to life insurance. This way you are covered financially against different types of diseases that may arise along the way. Super visa is one of the ways Canadian government has implemented to ensure families are connected. Super visa for parents and grandparents enables parents and grandparents for citizens living in Canada visit their families in Canada. They are able to get insurance covers such as life insurance, visitor travel insurance, and emergency medical insurance and super visa insurance. With super visa insurance, your parents and grandparents are covered in case of medical emergencies, accidents and injuries. Some super visa insurance plans usually make provision for returning home without voiding the insurance coverage. There are several life insurance covers such […]

People travelling with pre existing medical conditions like diabetes how to pack snacks for the plan. Travelling is a good experience and it is a time to have fun especially when using the Super Visa Insurance Plan. It is also a period to pack a lot of snacks, goodies and other things to munch on as you travel. In fact, that is the fun part of packing the bag as the excitement climaxes as you throw in those goodies into the box. But what happens to those who have pre existing medical conditions like diabetes? Do not worry; there is a way this excitement can be felt too. Here are ways to pack snacks for the Plan: So it is possible for people with pre existing medical condition to enjoy healthy but not boring snacks while travelling and have safe travels too.

As life expectancy is generally on the rapid decline around the world with a lot of cost-intensive illnesses constantly showing up, there is a need for a scheme that protects individual from financial ruin if confronted by any of these critical illnesses. Critical illness insurance was developed in 1996 by the United State’s government to help citizens survive and manage illnesses that come with exorbitant medical bills. Critical illness insurance covers medical emergencies such as heart attack, stroke, cancer, organ transplant and other related high bill illnesses. Many people never consider getting critical illness insurance because they feel they are covered by the standard health insurance policy but ironically, high cost of treating life-threatening illness as mentioned above is more than what any standard plan can cover. Why You Need To Consider Critical Illness Insurance They cover medical bills where traditional health care insurance plan may not cover. The money from critical insurance can also be used for other expenses related to the illness such as transport, childcare, feeding, getting wheelchair among others. In the case of terminal illness, or there is a need for a restful place to enhance recuperation process, part of the money can also be used […]

Any responsible person wants to have some sort of monetary security. Numerous individuals look forward to protect themselves from the unknown and an easy way to do that is to get health or life insurance. People often forget that their ability to earn an income for themselves and their families is the biggest blessing. What if you’re unable to earn? In case you can’t work, how would you plan for the future or meet your prompt needs, such as providing food for your family? You must know that it is a very traumatic and emotional experience for a family to see their loved one not being able to work. Having no source of income or less money can make an extremely troublesome circumstance even more dreadful. Punjab Insurance Inc is the right door to knock when thinking about all of this and not being able to decide what to do. Gurinder Chahal is there to provide the special advice for Disability Insurance. No one is aware of the uncertain circumstances that can take place at any point in life. This insurance basically protects you against one major risk and that is of spending your retirement funds and savings at the […]

Life insurance is essential for a person because it’s there for the protection of your family and your loved ones. It gives you a chance to leave them an amount which is non-taxable at the time of your death. It is likewise used to cover your home loan and your own loans, for example, a loan for your car. There are many benefits of having an individual life insurance because it follows you after retirement when your employer is no longer there to insure you. Life insurance will also help your family when they will have less resources to keep up with the quality of life. It prevents all types of financial hardships that a family has to face when they lose a loved one. Types There are variations to what kind or type of insurance a person wants. Most common types are the Term Life Insurance and Whole Life Insurance. Gurinder Chahal Insurance Specialists are there to provide answers to all your questions. You get to choose what you want for your family whenever you leave them. Punjab Insurance Inc clearly recommends life insurance and they properly explain the benefits of all different types of insurances. Furthermore, they help […]

This summary of benefits merely provides you with an overview. This insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is very important that you read and understand the terms of your policy as the coverage contains provisions relating to eligibility, pre-existing conditions, limitations, and exclusions. Q: What are some benefits of emergency medical insurance? Services of physician, surgeon, anesthetist Diagnostics, lab tests and/or x-rays Licensed local air, land and/or sea ambulance to the nearest hospital Private duty services of a registered graduate nurse up to $10,000 Rental of medical appliances Option 1 Drugs or Medications Up to $500 not exceeding a one-month supply Professional Services Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician Up to $500 per practitioner for outpatient treatment Emergency Air Transportation / Return home When pre-approved by Select Care Transportation of Family Up to $3,000 to transport one family member or close friend and up to $1,000 for meals and accommodation Follow-up Visits Up to $3,000 for follow-up visits Accidental Dental Up to $3,000 for emergency treatment caused by an accidental blow to the face Dental Emergencies Up to $150 per day to a maximum of $1,500 when hospitalized Meals […]

Do you want to give your children the best education possible? Can you afford to pay for their education from your salary? Most of us cannot, but there are special savings plans created to help you in such situations. Before we continue, you should know that this savings plan is for the people who have a residence in Canada.  RESP or the Registered Education Saving Plan is an investment platform that parents from Canada can use to save money for their children’s post-secondary school education. What makes this savings plan so unique? The thing is parents can use such savings plans to get funds from government grants directed at helping with tuition fees for education. RESP One of the major benefits of the RESP is the fact that it has significant tax cuts associated with it. Since most of the users of such a savings plan are students, they do not have to pay any government issued taxes on the income they receive. That means that they can use the fund freely without paying additional costs associated with such transactions. The savings plan is designed so the student can have a regular source of income while they are studying and […]

The Canadian government has made a new visa procedure for family members like parents and grandparents. This offer is called the Super Visa and the only thing you need, besides relatives in the country, is an insurance that will cover your medical bills. But let’s look at all the basic before we get to the insurance. Super Visa The so-called Super Visa is an excellent way for citizens of Canada who have relatives in some other country to arrange for their visit. The program is extremely simple, and you will find all that you need for your application process on the web. The visa program gives you a permit of residence for up to two years and if you want to renew the visa after it expires the cost of the process is cut significantly. That’s all on the government side of things; the other part is the private medical insurance that is prerequisite of the visa plan. Every person that wants the Super Visa has to get medical insurance that will cover up to 100 000 CAD $ of medical expenses. Have in mind that you can stay for up to two years and many things can happen in […]

Emergencies Arrive Unexpectedly. Are You Prepared? If you have loved ones visiting or yourself a Canadian resident, planning a trip overseas, do not discount emergency travel insurance. The coverage provided can protect you and your loved ones and if required, repatriate (evacuate you or your loved ones back to Canada). If you are travelling alone, it can provide coverage for someone to attend your bedside while in hospital, provide care for your children if you are hospitalized, and much more. If applying for a Super Visa, one of the eligibility requirements is a minimum coverage of $100,000 in emergency medical coverage. Emergency travel insurance is essential for peace of mind and be given medical treatment to further avoid any risk to you or a family member. If you have a policy in place, you will know where to go to in case of an emergency and be in touch with your insurance agent 24/7 during this challenging time. Emergency situations are not always life-threatening but could range from minor injuries such as food poisoning to allergic reactions to falling off a pavement and twisting the ankle to something severe as a stroke and more advanced situations where emergency rooms, emergency […]

If you are a non-Canadian resident or permanent resident, you are not covered by health insurance when you visit Canada. Visitors can end up paying high fees if an unexpected accident or illness occurs during the trip.   Super Visa Insurance Specialist are all about being there for you to ensure you do not face heavy out-of-pocket expenses. If you or your family members are in the process of applying for a Super Visa, it is a requirement to have a Visitor Medical Insurance; in this case, it is called Super Visa Insurance. We offer flexible, convenient and affordable coverage to protect you from the cost of unexpected medical emergencies as well as trip cancellations, etc. At Super Visa Specialist, we also cover for side trips outside Canada and can cater for trip interruptions.  Why Select Super Visa Insurance Specialist? Family-run business who are passionate about our clients not profits High coverage from $50,000 to $300,000 Optional deductibles on emergency medical care costs If you select your coverage with us, we deal with the hospital directly to arrange payment, and we offer optional deductibles on emergency medical care costs Our agency meets the requirements of Canada’s Super Visa We permit […]

There is no doubt that the Super Visa is a very special visa. The visa is specially catered for parents and grandparents to visit their loved ones in Canada. The longer stay option is a favourite among families as loved ones can stay up to 2 years without the hassle of multiple-reentries as eligible families can enjoy multiple entries into Canada for up to ten years. There are, however, income requirements in order to meet eligibility to apply for the Super Visa. Do note: The income requirements change every year due to inflation and other reasons. The below are income requirements which your child or grandchild will require to meet for the period of application from January 1 to December 31, 2018. The persons refer to the number of people living in the household, excluding the person/s the visa is being applied for. Low Income Cut-Off (LICO)Size of Family Unit Minimum necessary income of your child or grandchild 1 person $24,949 2 persons $31,061 3 persons $38,185 4 persons $46,362 5 persons $52,583 6 persons $59,304 7 persons $66,027 More than 7 persons, for each additional person, add $6,723 As explained above, these are the minimum income requirements. If the […]

We are often asked Travel Health questions for medical insurance for visitors to Canada. We have compiled the frequently asked questions for your easy reference. If you do not see a question you wish answered, get in touch with us today.  Q: Why do I need travel insurance in the first place? Health is something which should not be taken for granted. You never know what happens when you travel and without travel insurance, you risk a large financial burden if there is a medical emergency. A broken ankle or a broken finger can expose you to large bills which were not budgeted in your trip. The cost of medical assistance is high in Canada, and it recommended to have travel insurance for Canada. Q: Who can purchase Canada travel medical insurance? Visitors to Canada on business or vacation, immigrants to Canada, waiting for government health coverage approval, and Canadian expats who have returned to Canada, but not as yet covered by health plans. Q: My family (parents/grandparents are planning a visit. Can I purchase a policy for them? Anyone can purchase a visitor’s insurance policy. They can do so on behalf of someone coming into Canada. In cases where […]

It can be rather daunting if you have to pay for the Super Visa insurance in full. Well, Super Visa Insurance has made it much easier for you now. You now have the option to pay on a monthly basis; just as easy as an EMI. This is how our monthly insurance plan works: At the point of application for the Super Visa, Super Visa Insurance will pay the full premium amount (Regular Super Visa Insurance Policy) on your behalf for the entire year. A deposit which is an equivalent of two months premium plus a processing fee of $50 is required to be paid. Only credit card payments are accepted. Once the issue is approved and issued, we will require you to inform us of the date of arrival into Canada and the policy will commence from that day. This 2 months deposit is applied to 11th and 12th month of policy. The remaining ten months premiums will be deducted from your credit card starting with the first payout on the date of activation of the policy. This feature is additionally helpful for those who have purchased an annual policy and are now looking to extend it. Other Important […]