Super Visa Insurance Service by Gurinder Chahal From Punjab Insurance

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 […]

 What is a Registered Education Savings Plan? The Registered Education Saving Plan is a tax-free plan which is set up to benefit the post-secondary students. This plan was sponsored by the Canadian government. This tax-sheltered plan encourages and helps parents to save for the post-secondary education of their children. An RESP account can be open up for children under the age of 21. The maximum contribution for each child is $50,000. RESP Plans Offered by Gurinder Chahal Insurance Specialist Gurinder Chahal Insurance Specialist offers you three different Registered Education Saving Plans each of which have a different structure. You can consult us to choose the best and the most appropriate plan for you and your family. Individual RESP The individual RESP has only one beneficiary. The beneficiary of this plan can be replaced if the new beneficiary is related to the subscriber by blood or adoption. This plan is perfect for parents who have only one child. However, parents having more children can also set up individual plan for each child separately. Family RESP Unlike the individual RESP, family RESP can posses more than one beneficiary. The beneficiaries must have blood relation with the subscriber of the plan, however, they […]

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 […]

Expensive Medical Coverage For Non-residents The love of Parent or Grandparent becomes more intense as they grow older. What would you do when both of you wants to stay together for a longer period of times? Super Visa is the option that you can use to have the company of your Parents and Grandparents up to 2 years in Canada per visit. With age comes a number of medical issues and Canada is expensive in medical coverage. Hence, as per requirement of application, Super visa applicant must hold medical insurance of at least 1 year. This parent or grandparents medical insurance must cover health care, hospitalization, repatriation, provides a minimum coverage of $ 100,000/, is valid for each entry and available with you at the time of entering in Canada so that when officer wants to review the documents, he can. Obtaining a medical Insurance for Parents or Grand parents The insurance coverage for Super Visa applicant is called Super Visa Insurance. The cost of Super visa insurance that provides the coverage of $ 100,000/ is usually expensive. Super visa insurance for visitors to Canada may be used to take care of traveler when require immediate medical treatment for 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 […]

Travelling is one of the ways to enjoy life, enjoy company, appreciate the beauty of nature while roaming around the world, and above all to get relaxed. Along with the joys and benefits that we enjoy through travelling, risks are also associated with it. While the plan is to get relaxed why carry the risk associated with travelling? Get  a Travel Medical Insurance! Risks Risks that are very common are medical risks that are usually expensive in most parts of the world specially Canada. If you only have your domestic health coverage plans with you while travelling abroad, you must be aware that in case of any sickness or injury your domestic policies do not extend their coverage overseas. Travel medical insurance can be helpful in number of circumstances like injury, illness, disease, pregnancy complications, or even death of the person insured. Patients who have asthma and are travelling to cold areas are likely to get effected. Same goes to the diabetic patients, as they are prone to the allergies or dryness due to the cold weather and medical facilities can become costlier while travelling. Allergies and dryness usually cause itching and diabetic patient must not use their nails or […]

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 […]

Our lives sometimes seem dull and expected, and for most of the time we do the same things every day, and nothing out of the ordinary happens. If we are lucky our whole life will go without any major changes in this routine, and we can go around safely knowing that we will not be surprised by the things we encounter along the way. The thing is life doesn’t always play out how we want it to and in those scenarios, things could escalate really fast that’s why most people like to have a backup plan, just in case something out of the ordinary happens. One such solution is to get life insurance and to cover all of the situations where you could be at risk. This goes without saying if you are currently occupying a dangerous work position or the job you have influences your health negatively. This article will explain why it is important for you to get life insurance but also, I will explain all the different types of insurance plans, and I will talk about insurance in general. What is Life Insurance? There are different types of insurance plans you can make with an insurance company. […]

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 […]

Why should you have a Travel Insurance? Are you planning to go on a vacation? Are you going to some exotic destination and you do not know what to expect on the trip? Well, we do know what to expect on our trips, that’s why the tourist companies give us a brochure with a timetable and a plan for the trip. The things we did not plan or expect are the things that will usually cost us a lot of money. No one plans to get sick or hurt on vacation this is just something that happens, and you cannot do much to prevent some of the injuries and issues. However, there are things you can do to make yourself safe in situations when such things do happen. The best thing you can do is to get travel insurance and cover all the nasty and problematic issues. Why travel insurance? Older people always say it’s better to be safe than sorry and this is true for every age. When you go on a trip to some country you do not know, the awe of discovery will take you on an exploration of the local culture, cuisine or nightlife. Most people […]

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 […]

How Does the RESP work? It allows you to build up savings to put toward your Child’s post-secondary education. This is the most Precious gift you could offer your child RESP – Education Savings Plan 1. Contribute – Start saving early in your child’s  RESP and take an advantage of generous Government grants. a. Canada Education Savings Grant (CESG) Grant – 20% ($7200) per child. b. Additional CESG Grant – 10% or 20% of the first $500 invested each year for eligible families. c. Canada learning Bond (CLB) – $2000 per child for eligible families. 2. Accumulate – Your regular contributions and grants generate interest. Your RESP grows Tax free. 3. Benefit – Your Contributions are returned to you to fund your Child’s education. Your child receives the Grants (Govt Grants 20% plus Diploma Bonus up to 15%) and total interest from the RESP Gurinder Chahal Insurance Specialist provide specialized advice for RESP. Set up a RESP plan for your child and secure a bright future full of possibilities for them. Get In Touch Today 587-707-7000

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 […]

We Offer Monthly Super Visa Insurance Payment Plan! Super Visa medical insurance is not a cheap one. Monthly plan will ease your burden!

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 […]

Parents and grandparents can visit their loved ones in Canada who are Canadian citizens or permanent residents to for up to 24 months instead of the standard six months under a regular visa. That too without renewal of their visa! The Super Visa has seen a spike in recent years of families wishing to see their loved ones. Multiple entries can be made as well which is an added advantage for many. Another advantage of a Super Visa is that a visitor to Canada does not have to apply for another visa after six months and pay a new set of fees to extend their stay and spend more time with their loved ones. Waiting times for visa grants are shorter as well which is a big advantage for many parents/grandparents who wish to see their loved ones at the earlier. Due to the type of visa and extended length of stay, obtaining a Super Visa Insurance Policy is one of the key requirements. This proof is attached with the visa application form when it is sent to the embassy for processing. Special Conditions Further to that, the Super Visa Insurance has special conditions which must be met such as: […]

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 […]

Below is some useful information to help you understand the process. As the Super Visa is a temporary resident permit, which allows for regular multiple-entries valid for up to 10 years, the processing time is slightly longer than a normal visa application for entry into Canada. As such, processing times are difficult to predict as it also depends on the number of applications for the Super Visa which has gained immense popularity among parents and grandparents to visit their loved ones in Canada. It is important to note, that the processing time can change from the time you sent the application and the time it is actually being processed as it depends on how many applications are still under processing. But, rest assured, once you send in your application, it will be processed. Be patient. Also, note that applications are processed in the order they arrive at the visa office. Some will take longer to review for various reasons. The visa officers have a responsibility of due diligence, and all documents are thoroughly verified. If an interview is necessary, you will be notified of a time and place, and you must attend it for the application to go further. Do […]

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 […]

Canada is a very popular destination. Immigrants and visitors alike are welcomed with its natural beauty, and high quality of life; one of the best in the world. Each year, Canada welcomes many immigrants and visitors such as tourist, business travels and foreign workers. Medical insurance is highly encouraged for all. The right medical insurance plan is important as medical assistance can be very expensive in an unlikely event of a medical emergency or other unfortunate circumstances. Immigrants and visitors need to know which province they will be spending the majority of their time in during their trip. This allows for the purchase of the right travel insurance cover. At Chahal Insurance’s Super Visa Insurance, whether you are planning to make Canada your new home, just visiting or applying for a Super Visa, we are here to help in the event when an emergency medical need arises. Our simple online application form allows you to choose the coverage which suits your needs. Follow these simple steps: Select the deductible*; $0, $100, $500 or $1,000 Choose the amount of coverage; $25,000, $50,000, $100,000 or $150,000 Choose the coverage length. For those below the age of 55, no medical questions will be […]

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 […]

Are there different rules for a Super Visa emergency medical insurance?  The government of Canada requires visitors under the super visa to have emergency medical insurance. The insurance plan must: Have a minimum coverage of $100,000 or more Coverage for health, hospitalization, and repatriation Must be valid for 1 year from the date of entry into Canada  What if I require additional benefits in my insurance cover such as flight interruptions and cancellations? Once your Super Visa is approved, you can purchase additional benefits such as trip cancellations, cancellation of flights, etc. These can be purchased for your parents and grandparents in Canada. You could even opt for additional benefits such as annual eye and medical examinations and vaccinations to add on to the emergency medical travel insurance purchased.  If the visitor is on a short stay, say, will only be staying in Canada for 5 months, do they still have to purchase the insurance for a year?  Every entry under the Super Visa must provide proof of insurance valid for 1 year from their date of entry. If no claim is made, refunds for unused portions can be arranged. A Super Visa is valid for 10 years, and my […]