Health Insurance Coverage
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GROUP HEALTH AND HOSPITAL INSURANCE PLAN
Who is this for?
It is mandatory to be enrolled in the group health and hospital insurance plan. Québec and Canadian immigration laws require non-Canadian students to have valid health and hospital insurance coverage for their entire stay in Canada.
PLEASE NOTE: Personal insurance will be refused.
How do I enrol in the insurance plan?
Enrolment is automatic. Université Laval and a number of other Québec universities have negotiated a health and hospital insurance plan for foreign students.
Who is the insurer?
The company is Desjardins Financial Security.
What does it cover?
The plan covers medical and hospital costs along with prescription drugs. However, it does not cover dental care or eyeglasses. The plan includes a repatriation clause in the case of death or disability. Details of the insurance policy are available at www.reg.ulaval.ca/sgc/page_
When does the insurance take effect?
You are automatically insured as soon as a registration (activity or course) is entered in your student ﬁle. Coverage for new students begins when they arrive in Canada, or at the earliest 15 days before the start of the session (August 15 for the fall session, December 15 for the winter session and April 15 for the summer session).
How much does it cost?
The premium is payable when you register for your ﬁrst session:
C$792 (September to August) | C$528 (January to August) | C$264 (May to August).
Is there a family insurance plan?
No, Desjardins Financial Security does not offer a family plan. You must take the steps necessary to insure accompanying dependents. You can consult the list of main insurers in Canada at www.accap.ca.
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EXEMPTIONS FROM ENROLMENT IN HEALTH AND HOSPITAL INSURANCE
RECIPROCAL AGREEMENTS Who is this for?
If you are covered by a reciprocal agreement for health and social security (citizens of Denmark, Finland, France, Luxembourg, Norway, Portugal and Sweden), you may be eligible with the Régie de l’insurance maladie du Québec – or RAMQ (Québec health insurance board) under certain conditions. Carefully read the information available at www.reg.ulaval.ca/sgc/page_accueil/etranger/insurance (in French).
What document do I need before leaving my country?
You must obtain an ofﬁcial certiﬁcate of afﬁliation to the social security plan of your country:
• Denmark: Social security certiﬁcate from the National Social Security Ofﬁce.
• Finland: Social security certiﬁcate from the National Social Security Ofﬁce France:
SE-401-Q-102 form: “Certiﬁcate of registration in the French plan prior to departure for Québec” or the SE-401-Q-106 form: “Certiﬁcate of afﬁliation to the social security plan of the country of origin – interuniversity exchanges.”
• Luxembourg: Que/LUX4 form.
• Norway: Social security certiﬁcate from the National Social Security Ofﬁce.
• Portugal: Que/POR4 form.
• Sweden: Que/S4 form.
DID YOU KNOW?
Further information on reciprocal agreements is available on the RAMQ’s website at www.ramq.gouv.qc.ca/en/citoyens/assurancemaladie/arriver/ententes_ss.shtml.
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SCHOLARSHIP RECIPIENTS OR THOSE WITH INSURANCE PROVIDED BY AN INTERNATIONAL ORGANIZATION Who is this for?
This is for you if you have been awarded a scholarship from a granting agency or if you are covered under health and hospital insurance offered by an international organization for which yourself or one of your parents works (UN, World Bank, IMF, etc.). The list of situations where an exemption is accepted by Université Laval is available at www.
reg.ulaval.ca/sgc/page_accueil/etranger/insurance. Click on Exemptions autorisées, and then on Guide pratique à l’intention des étudiant étrangers, and go to the section Liste des exemptions.
What documents do I need before leaving my country?
• Proof conﬁrming enrolment in a health and hospital insurance plan;
• Letter conﬁrming your scholarship; or
• Letter conﬁrming that you or one of your parents works for an international organization.
ADDITIONAL COVERAGE FOR DENTAL CARE
The ÆLIÉS (Association of Université Laval students registered in graduate studies) offers health and dental insurance coverage to its members. Foreign students at the graduate level enrol only for dental coverage. Please note that this is an optional insurance. You can choose to have it or not depending on your needs.
Further information is available on the ASEQ (Alliance for student health in Québec) website at www.santeetudiante.com.
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