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Health and hospitalization insurance

 
 
Health and hospitalization insurance
 

To get the most out of your studies in Québec and make sure you’re covered in the event the unexpected happens, you need health and hospitalization insurance.

Québec and Canadian immigration law requires non-Canadian students to have valid health and hospitalization insurance for the duration of their stay in Canada.

Upon enrolment, all international students are automatically covered by the Desjardins Insurance's health and hospitalization insurance plan. This coverage is mandatory and only for Université Laval students, so it supersedes all other personal insurance plans. 

Family members traveling with you may also be covered by an insurance plan offered by Desjardins Insurance. For information: Visitors to Canada Insurance.

Students registered in a Université Laval regular program are automatically enroled in supplemental dental insurance through their student association, with the option of cancelling it. Visit the student association health insurance website for more information (French only).

Depending on your specific needs, we recommend that you take out additional insurance if necessary.

Cost of mandatory insurance

Health and hospitalization insurance fees will appear on your electronic tuition fee invoice. New students are covered as soon as they set foot on Canadian soil, no earlier than August 15 for the fall semester, December 15 for the winter semester, and April 15 for the summer semester.

Cost for the 2017–2018 academic year:

  • Coverage for regular students
    September 1–August 31: $972
    January 1–August 31: $648
    May 1–August 31: $324

  • Coverage for visiting (exchange) students
    Cost per semester: $324
    Insurance is billed each semester for the duration of the study period. For example, for a 2-semester study period, you will receive 2 separate invoices of $324.

Receiving your insurance card:

Sometime during your first few weeks at Université Laval, you will receive an email notifying you that your insurance card is ready for pickup at the Registrar’s Office.

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Exemptions from the mandatory health insurance plan
 

Some international students may be exempt from the Université Laval health insurance plan, including students from countries with which the Québec government has signed reciprocal social security agreements (Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal, Romania and Sweden). These students may be eligible for coverage by Québec's public health insurance plan, the Régie de l'assurance maladie du Québec (RAMQ).

To be eligible for benefits under these agreements, students must take certain steps before leaving their home country and once in Québec. Contact your home healthcare organization to find out whether you are covered by the social security agreement and to get the necessary documents. Visit the Régie de l'assurance maladie du Québec (RAMQ) website for more information.

Other exemptions are available, namely for students on academic scholarships.

Students covered by RAMQ and enroled in a master's, advanced graduate diploma (DESS), or PhD program may sign up for supplemental dental insurance through their student association, are automatically enroled in supplemental dental insurance through their student association, with the option of cancelling this coverage. Visit the student association health insurance website for more information.

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Student insurance plan summary table
 
 RAMQ
Health
RAMQ
Prescription drugs
Desjardins
Université Laval
Student health
AELIES Dental
Student health
AELIES Health
Automatic enrolment  XX 
Self-enrolmentXX  X
 
FreeXX   
Costs to be paid  XXX
 
Option of adding spouse and dependent(s)XX NOTEXX

NOTE : Desjardins offers an insurance product that is separate from your group insurance for your family members. For more information: Visitors to Canada Insurance.

Country of citizenshipLevel of studyRAMQ
Health
RAMQ
Prescription drugs
Desjardins
Université Laval
Student health
AELIES Dental
Student health
AELIES Health
 
Belgium and metropolitan FranceUndergraduateX X  
GraduateXX X X
Exchange programXX  
 
Denmark, Finland, Greece, Luxembourg, Norway, Portugal, SwedenUndergraduateX   
GraduateX X X
Exchange programX  
 
All other countries Undergraduate  X 
GraduateX X
Exchange programX 
 
Coverage at a glance
 
Coverage at a glance*RAMQ
Health
RAMQ
Prescription drugs
Desjardins
Université Laval
Studen health
AELIES Dental
Student health
AELIES Health
Medical consultationX  X 
HospitalizationXX  
Prescription drugsXX  
Eye examX  X
Eyeglasses and contact lenses  X
MaternityXX  
AmbulanceX  X
Travel outside Québec
(travel insurance)
X  X
Specialists in the RAMQ health network: cardiologist, anesthesiologist,
dermatologist, gastroenterologist, neurologist, psychiatrist, etc. 
XX  
Specialists outside the RAMQ health network: physical therapist,
chiropractor, osteopath, psychologist, etc.
X  X
Dental care
(exam, cleaning, surgery)
  X

*This table provides a summary of insurance coverage. Be sure to double check your coverage, conditions, and exemptions before seeking non-urgent care. Your insurance may only reimburse 50% or 80%, not 100%, of the cost of certain services, or there may be a maximum annual limit.

Related link

 
 

Important note: This website is intended to provide general information on current procedures, which may change at any time without notice. Quebec and Canadian laws and regulations in effect as well as the websites of Ministère de l'Immigration, de la Diversité et de l'Inclusion (MIDI), and Immigration, Refugees and Citizenship Canada (IRCC) take precedence over this website.
This page was last updated on: 13-03-2018

www.ulaval.ca