Pankaj Bhatia
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Frequently Asked Questions

No Pankaj Bhatia is an independent Canadian Insurance Brokerage that distributes Canadian Medical Insurance Policies by qualified & Reputed partners such as GMS, Tugo, Allianz, 21st Century, Manulife Financial, Travelance, Blue Cross, Destination Canada.

A Pre-Existing Medical Condition is defined as any sickness, injury or medical condition which you have sought and received medical treatment, been in the hospital, or prescribed medication before the effective date of your travels.
Important to consult with the policies you are applying for to determine their manifestation of the topic.
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Yes if you inform us to change the effective date we can do so, it is good to inform us prior to your current effective date if possible. For Policy extensions or renewals please inform us prior to your current expiry date to avoid any cancellations or periods without coverage. For changes after the effective date proof may be required based on individual companies ( Arrival declaration/Visa Denial). In order to get Super Visa Insurance Cancellations, proof of visa denial is must.

​Deductible is the amount of money an insured person will pay out of his pocket for medical care expenses that arise from being claimed using their insurance policy. The sum is the amount that the individual must cover before an insurance company will cover any eligible expenses. I.e: if you have a claim that you will submit for eligible medical expenses that arise for $10,000. If your deductible is $1,000 then insurance company will cover $9,000 and you will pay $1,000. Total combined to reflect your medical claim of $10,000

Yes absolutely, you will be eligible for a partial refund as long as no claims were made, reported or pending for the time that you are foregoing.

Generally, a medical emergency is an unforeseen event or sudden sickness, injury that demands treatment. Each policy may define medical emergencies differently. Please see the policy wordings for exact information.

Please notify your insurance company as soon as possible. They will assist you with best options in opening the claim and guiding you through the process. Failure to do so can impact your insurance benefit. Every Insurance Company has a toll free number mentioned on your policy confirmation.

In most cases, insurance provider can arrange direct billing with the health provider/hospital. If it is impossible to set up direct billing, your insurance company will reimburse the expenses within 3-4 weeks. Claims may vary based on the coverage you have and the reason for the claim. Please consult our experienced staff or refer to policy wording for any clarification.

Payment can be done by all major credit cards or by a cheque.* Policy will only be effective once the company has received the payment.

You do not save any money when you buy it directly from the insurance company, so there is no cost saving, but if you buy it through Pankaj Bhatia you get a full support during claim process. Another reason to buy it from Pankaj Bhatia is that our advisors help you understand the policy wording in the language you understand and this in turn give you a better understanding of your coverage.

It is always better to buy an individual policy for each spouse, because in case of a claim or one of the spouses wants to prepone his/her travel plans, the joint policy may create complications.

No, only your parents and grandparents can apply for supervise. Though, the dependents can apply to visit Canada up to six months with right travel documents.

No, Parents and grandparents must apply super visa from outside Canada.

Any of the following documents can be provided as proof of funds.

  • Notice of Assessment (NOA) or T4/T1 for the most recent tax year
  • Employment Insurance stubs
  • Employment letter including salary and date of hiring
  • Pay stubs
  • Bank statements

Yes, you are right. As per Immigration Canada you must be a genuine visitor to Canada who is willing to leave the country at the completion of visa time limit. Basically the authorities are interested in knowing that you have reasons to return to your country. For example, what is the purpose of your visit to Canada? Is your country of origin stable publically or how much financial stake you have in your country of origin?

The cost of you super-visa insurance will depend on many factors such as who is your insurance provider? For how long you are staying in Canada? Are you buying it with or without pre-existing conditions covered?

Deductible is an amount which is paid by super visa insurance holder before the insurance company shares the remaining cost. Deductible amount can be per claim or per policy depending on your policy wording. Generally, a deductible reduces the cost of your super visa premium. Having said that, it is important you ask your insurance advisor to evaluate your situation before buying with a deductible. For example: - you buy a policy with a $200 deductible and you send a claim for $550 times, first you will have to pay $200 before your insurance provider shares remaining $350.

Our Partners
21st Century
Blue Cross
Destination Canada
Ingle Assurance