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Step 2. Obtaining My Health Insurance

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

HEC Montreal has an agreement with Sun Life for all foreign students. Nationals of certain countries may be exempted by obtaining the Régie de l'assurance du Québec (RAMQ).

Here is an overview of the health insurance provided (obligatory and complementary). Click on the titles below for terms and conditions of each insurance.



Sun Life



dental section




prescription drugs***


supplementary insurance section



supplementary private insurance

Automatic registration (HEC en ligne)


Registration required     x x x** x
Free     x x    
Fee required x x     x** x
Option to add persons to student's charge   x x x x x


* Foreign students who are on exchange at HEC Montreal not have access to ASEQ supplementary health insurance.

** International students enrolled in a full program at HEC Montréal and who register for RAMQ have the option to add ASEQ supplementary health insurance. Sign up directly on the ASEQ website with the family registration form. Pay attention to deadlines!

*** Applies to French students only.

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