HEC Montréal health insurance plan for exchange students
Exemption from the HEC Montréal health insurance plan
International student who have finished their studies and have a post-graduation work permit
Québec law and Canadian law require international students to obtain medical insurance that is valid in Québec for the duration of their stay. HEC Montréal strictly applies this rule.
All international students are automatically enrolled in the School’s health insurance plan for international students when they register at HEC Montréal. This insurance is compulsory and applicable fees are required. Take note that no other private insurance will be accepted.
Only students that satisfy some exemption conditions before the health insurance documents presentation deadline (please refer to the calendar) will be allowed to cancel their registration for the health insurance plan for international students.
It is extremely important to be covered by a health insurance plan at all times. It is a question of physical security but also of financial security, since medical care in North America is among the most expensive in the world. Each insurance plan is valid on a given territory, for a given period: you must be careful not to remain without medical coverage, even for just one day.
If you arrive in Canada well before the start of the academic year, we recommend that you obtain coverage valid from the day of your arrival. For more information, refer to the Insurance for early arrival section.
This medical insurance plan only covers the student for medical consultation and hospital expenses, as well as for prescription medication.
It does not cover costs related to dental or eye care (glasses).
Please note :
Expenses outside the province of Québec: Medi-Passport provides students with access to one of the world’s largest emergency travel assistance networks. If they experience an eligible medical emergency while travelling outside the province they live in (Quebec), plan members can receive assistance with doctors’ service, hospital expenses, emergency medical transportation, family support services, and more.
For medical care not covered by this insurance, you may want to purchase an optional supplementary insurance.
Insurance coverage for HEC Montréal's international students | ||
Term of exchange | Period of coverage under the HEC Moontréal plan | Insurance premium - single student |
| Fall only | (August 1st-December 31st / F) or |
371 $ |
| Winter only | (January 1st-May 15th / W) or | |
| Summer only | (May 1st-July 31st / S) | |
| MBA intensive | (August 1st-September 15th) | 711 $ |
| Exchange students | (August 1st- May 15th/ F+S) | 536 $ |
*F- Fall semester
**W- Winter semester
***S- Summer semester
PAYMENT:
Your insurance premiums MUST be paid during the welcome week, it can only be made by cheque or credit card (Visa, MasterCard, American Express). Cash is not accepted. The Admissions Office (Decelles, 5.120) will issue your health insurance card upon presentation of the proof of payment.
Some students can be exempted from the HEC Montréal health insurance plan, under certain conditions related. Please verify the exemption category (below) before the health insurance documents presentation deadline. No other insurance plan (travel insurance, insurance from your home country, etc.) will be recognized toward an exemption from the HEC Montréal health insurance plan.
Eligible students to the exemption must get their health care file in order with the RAMQ and HEC Montréal following those tree steps:
| Between August 15th and September 30th | Outside of these dates |
| 425, boul. de Maisonneuve Ouest 4th floor, suite 401 Place-des-Arts metro (exit De Bleury Nord) or McGill metro (exit Union) | 425, boul. de Maisonneuve Ouest 3rd floor Place-des-Arts metro (exit De Bleury Nord) or McGill metro (exit Union) |
To be exempted from the HEC Montréal health insurance plan, you must have a diplomatic visa in Canada, for example because one of your parents holds a diplomatic position in Canada, and satisfy one of the following conditions :
If you are covered by the RAMQ or the Medicare plan of another province, you must contact the diplomatic mission in charge of you to get an agreement from Québec International Relations Ministry, or its equivalent in another province. You will then need the document that proves your eligibilty to the Medicare regime.
If you are covered by a specific regime, you must secure a certificate of insurance with your name, coverage period and a summary of benefits before you leave your home country. If benefits are not mentioned on the certificate, you must have a copy of your insurance policy where they appear.
To be exempted from the HEC Montréal health insurance plan, you must satisfy the following exemption conditions:
You must contact your international organization to ask them if they have signed a convention with the RAMQ. If they have, it is your organization who must complete the procedure with the RAMQ so that you get medicare coverage.
You may be eligible for the RAMQ plan if you satisfy all three of the following conditions:
RAMQ coverage is free.
It covers medical care from generalist and specialist physicians, as well as hospital expenses. Dental care, eye care (glasses) and medication are not covered by RAMQ. Refer to the RAMQ health insurance site for all the details on services covered.
For fees not covered by the RAMQ, you may wish to buy an optional supplementary insurance plan.
Before you leave your home country, you must obtain the form mentioned below and have it signed by your country’s social security authority.
| COUNTRY | REQUIRED DOCUMENT |
| Belgium | BE/QUE 128-QUE/BE 128 issued by the social insurance bureau |
| France |
|
| Denmark | The Danish health insurance card. |
| Finland | The Finnish health insurance card. |
| Greece | Qué/GR 6 issued by the social insurance bureau |
| Luxembourg | LUX-QUE4 form issued by the Caisse de maladie luxembourgeoise. |
| Norway | The Norwegian health insurance card. |
| Portugal | “Declaraçao Segurança Social” form issued by the social insurance bureau. |
| Sweden | Certificate of social insurance in Sweden issued by the national social insurance bureau. |
All procedures to get the RAMQ will be given to you on your orientation day.
Vous pouvez être admissible à l'assurance maladie de la Régie de l'Assurance maladie du Québec (RAMQ) si vous répondez aux trois conditions suivantes :
L'assurance maladie de la RAMQ est gratuite.
Elle couvre les soins médicaux chez les généralistes et les spécialistes, ainsi que les hospitalisations. Les soins dentaires et les soins d'optique (lunettes) ne sont pas couverts. Consulter le site de l'assurance maladie de la RAMQ pour connaître tous les détails de la couverture offerte.
Les citoyens français bénéficient également de l'assurance médicaments de la RAMQ, qui couvre les médicaments sur ordonnance :
Pour les soins non couverts par la RAMQ, vous pouvez, si vous le souhaitez, souscrire une assurance complémentaire facultative. (La RAMQ étant une caisse d'assurance maladie étrangère, les mutuelles françaises habituelles refuseront de compléter ses remboursements)
Vous devez vous procurer avant votre départ le formulaire SE-401-Q106 ("Attestation d'affiliation à leur régime de sécurité sociale des participants aux échanges entre établissements d'enseignement supérieur") auprès de la Caisse Primaire d'Assurance Maladie (CPAM) de votre domicile, même si vous êtes inscrits auprès d'une caisse de sécurité sociale étudiante. Votre formulaire doit être rempli à la fois par votre université et par la CPAM.
Attention : il faut que votre formulaire SE-401-Q106 couvre toute la durée de votre échange (voir le calendrier).
Canadian citizens studying in a canadian university and coming for an exchange at HEC Montreal within a bilateral exchange agreement, have to present their provincial healthcard to be exempted from the school's insurance charge and from the RAMQ.
All international students are covered by the HEC Montréal health insurance plan for their first few days in Canada, beginning on the coverage start date listed below.
If you plan to arrive in Canada within the six weeks leading up to the coverage start date, you could be covered as soon as you arrive. You would have to pay a weekly premium of 15$ per additional previous week before you arrive in Canada. To arrange an earlier start date for your coverage, please send an e-mail to baei@hec.ca.
| Term for which you are arriving | Coverage start date | 6-week advance coverage start date |
| Fall | August 1st | June 20th |
| Winter | January 1st | November 20th |
| Summer | May 1st | March 20th |
You can also purchase a travel insurance policy in order to be covered between the time you arrive and the HEC Montréal insurance plan’s coverage start date. This type of insurance must be purchased before your arrival, regardless of whether you purchase it from an insurer in your home country or in Canada.
Important note: the travel medical insurance coverage provided by your credit card may not be applicable if your stay in Canada does not meet the conditions set by the insurer (leisure travel, maximum stay of 30 or 90 days, etc.).
Supplementary insurance
Supplementary insurance is not required by HEC Montréal, though it may prove useful or necessary for covering costs not covered by the RAMQ or the HEC Montréal health insurance plans, such as dental or vision care.
Private insurances
For more information or to purchase a private supplementary insurance, contact an insurance company.
Supplementary health and travel insurance available in Québec:
Should you choose to extend your stay in Canada, make sure to have a private insurance. The BAEI office can offer you an insurance to extend your stay if requested.
