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Step 2. Obtaining My Health Insurance (Compulsory)

The Ministère de l'Éducation, du Loisir et du Sport of Quebec requires international students to obtain medical insurance that is valid in Quebec for the duration of their stays.

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 for a particular region, for a given period: You must be careful not to remain without medical coverage, even for one day.


All international students are enrolled in the School's health insurance plan for international students (SunLife) automatically as soon as they register at HEC Montréal. This insurance is compulsory and applicable fees are required unless you are exempted by being admissible for the Régie de l’assurance maladie du Québec (RAMQ).


Students arriving in Montreal in advance of their programs are advised to subscribe to a supplementary insurance for early arrival until they are covered by the School’s health insurance or the RAMQ.


Supplementary insurance may also prove useful or necessary for covering costs not covered by RAMQ or the HEC Montréal health insurance plans. The insurance premium for dental care offered by your student association is automatically billed and added to your tuition fees but if you do not wish to be covered by this insurance plan, it is possible to withdraw.


  1. HEC mandatory insurance: SunLife and anticipated insurance
  2. Exemptions
  3. Supplementary insurance
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