Some students are eligible to replace the Sun Life insurance by the insurance plan of the Régie de l’assurance maladie du Québec (RAMQ) provided that they meet specific conditions as described below. Make sure you know what steps you must take before your arrival.
|Nationals of certain countries|
|Exemption for diplomats|
|Students depending on an international organization|
Supplementary insurance may also prove useful or necessary for covering costs not covered by RAMQ.
Once you are insured by the RAMQ:
If you have renewed your immigration documents:
For French students:
Note: It is your responsibility to inform the Registrar's office if you lose eligibility for the RAMQ. If this happens, you must purchase the School's health insurance policy.
Not having health insurance while living in Quebec puts you at risk and is also illegal.
RAMQ for international students on a post-graduate work permit
You can be insured through the RAMQ for the duration of your post-graduate work permit. Once you have received your work permit, you must take it along with your passport to the RAMQ in order to apply.
A three-month waiting period may applied between the day that you sign up with the RAMQ and the day that you are actually covered if you were not covered by the RAMQ with the 45 days prior to signing up with your post-graduate work permit. Make sure that you have another health insurance coverage for the months during which you are not covered by the RAMQ.
If after your studies you are planning on leaving Québec to go back to your home country for good, please remember to send your health insurance card back to the Régie by mail. You will find the return address on the back of your card.
For those who are staying in Québec and are planning to move during the summer, it is important to notify the Régie of your change of address to update your file. You will find their contact information on the following page:
Note : It is your responsibility to notify HEC Montreal if you are no longer eligible for the RAMQ.