SunLife insurance

All international students are automatically enrolled in the School's health insurance plan for international students (SunLife) as soon as they register at HEC Montréal.

This medical insurance plan covers the student for medical and hospital expenses, as well as for prescription medication. It does not cover costs related to dental or eye care (glasses). For this reason, there are supplementary insurance plans available.

Some students are eligible to replace SunLife insurance by the insurance of the Régie de l'Assurance Maladie du Québec (RAMQ)

Travel insurance or insurance from your country will not be accepted by the School. Therefore, avoid enrolling in another insurance plan as it will not exempt you from the School's insurance!

> > Detailed information on coverage

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> > Sunlife: Fill out a refund claim

Payment

You are required to pay your insurance premiums as soon as possible. We encourage you to make your payment before coming to Canada, in order to be covered when you arrive. It is not only a question of physical security but also of financial security, since medical care in North America is among the most expensive in the world

Exchange students will be advised by mail about methods of payment specific to their situations.

The Admissions Office (Decelles, 5.120) will issue your health insurance card upon presentation of proof of payment.

Term of exchange	Period of coverage under the HEC Montréal plan	Insurance premium - single student
Annual (fall, winter and summer)	August 1^st to July 31^th	636 $
Fall Winter Summer	August 1^st to December 31^th January 1^st to May 15^th May 1^st to July 31^th	371 $
MBA intensif	August 1^st to September 15^th	711 $
Exchange students - Fall and winter - Fall - Winter	August 1^st to May 15^th August 1^st to December 31^th January 1^st to May 15^th	536 $ 371$ 371$

Insurance in Case of Early Arrival

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 can arrange to have your coverage go into effect as soon as you arrive. A weekly premium will be billed to you (about $15). To arrange for an earlier start date for your coverage, please e-mail baei@hec.ca.

TERM FOR WICH YOU ARE ARRIVING	COVERAGE STARD DATE	6-WEEKS ADVANCE COVERAGE START DATE
Fall	August 1^st	June 20^th
Winter	January 1^st	November 20^th
Summer	May 1^st	March 20^th

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.

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.).

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