Applying super visa for 86 years old grandma

[outsky]

I want to apply a super visa for my 86 years old grandma in China. Both my dad and me are Canadian citizens. I have a few questions:
1. Is it possible to buy health insurance for my 86 years old grandma? I hear from my friend that health insurance companies may not accept very old seniors. But my grandma is in good health except that she cannot walk for too long and requires minor hearing aid.
2. In order to meet the economic requirement, both my dad and me have to provide economic support. While our combined income is above the requirement, I am currently a PhD student, and most of my income comes from research assistance and a small part of it comes from teaching. Will my student status influence the application?
3. Based on my conditions, am I better off applying a visitor visa for my grandma?
Thank you very much!

 

[steaky]

1) Why don't try the website below?
<a href=https://arbetovinsurance.com/supervisamedicalinsurance/>Super Visa Insurance Policies</a> - It's pretty easy to find this link from one of the previous thread in this forum.
2) No, for supervisa, you and your dad cannot be the couple to provide economic support. It's either A) you and your spouse's income or B) your dad and mom's income.
3) I would say if neither A or B meet LICO, then it's better off applying a regular (single or multiple) visitor visa for your grandmother.

 

[outsky]

Thank you for your explanation, steaky. If I apply for my grandma separately from my dad, my income should be enough to meet LICO for two persons. Before I apply, I just want to know if my student status is a disadvantage because I don't have a regular job, and my income mainly comes from different research projects and teaching which are not as stable as a regular job. Thanks.

 

[Petermiyuki]

Hi Outsky.
I just wanted to tell you that some insurance companies offer travel insurance for visitors up to age of 89 or 90. What they are concerned is her health conditions rather than age. I would suggest that you call insurance broker (info@biis.ca) to get a price quote so you can budget in advance. Best of luck!

 

[outsky]

Thank you, Petermiyuki.

 

[haver]

Insurance is available for age of 86 but if you want her to be covered for pre-existing conditions, it will cost a lot more, as only a couple of companies would cover.
You are welcome to look at our insurance calculator.

 

[Haitokin]

Finding insurance that meets the super visa insurance requirements is not difficult. However, it will be worthwhile to look around for the best policy. I know you were refered to the "Mr Arbetov" website by the above two insurance brokers, but the widest selection of super visa insurance policies found online in Canada is offered by BestQuote Travel Insurance Agency. Here's a link to their FAQ page, where you can ask for free instant online quote and compare prices and coverage;

https://www.bestquotetravelinsurance.ca/parent-and-grandparent-super-visa-health-insurance

Here's an example quote for an 86 year old:
https://www.bestquotetravelinsurance.ca/quote/getquote?quote_ref=66057&token=391b29eea348470639b7ef9cfd6ba823&browse_token=7464a2e2c8cbdef771351d148053773f

You can see that the lowest cost policy ($0 deductible) is over $300/month. This can be lowered by using a policy with a deductible (change it on the quote and it'll change on your screen instantly). Please keep in mind that that policy that is 'the cheapest', has a 12% refund fee which can eliminate any cost savings unless you have her stay for more than 3-4 months.

You can see, BestQuote has more options available than Arbetov's website. The wider the selection of policies to choose from, the better the chances of finding a policy that is a good match for you. BestQuote offers good advice, and can help you think of which deductible option is best for you to use, or if there are other issues to think about when making a decision.