Does IRCC permit instalments?
Yes, under current IRCC documentation, the insurance must be paid in full or through instalments with a deposit. A quotation or an application without an issued qualifying policy is not sufficient proof.
Not every carrier or plan offers the same instalment structure, and a permitted payment schedule does not automatically make every policy eligible. Confirm the actual certificate, coverage dates and paid/deposit status.
What to ask before enrolling
- How much must be paid as the initial deposit?
- Are administration or financing fees charged?
- When are subsequent instalments collected, and by whom?
- What happens if a scheduled payment fails?
- How do cancellation or premium refunds work if the visa is refused?
- Does the product offer coverage of pre-existing medical conditions under its terms?
Coverage must remain valid
A missed instalment could put a policy at risk of cancellation depending on the contract. Since valid health insurance is required for each entry and should be maintained through the stay, payment continuity matters as much as the initial monthly affordability.
Compare the total cost, not only the first two months of payment, and confirm whether a separate administration fee is refundable.