The Quebec government requires international students to obtain medical insurance that is valid in Quebec for the duration of their stay.
All international students are automatically registered for the HEC Montréal health insurance offered by Cowan and the premium billed appears in their HEC en ligne account under the heading “tuition fees”.
You must be covered by this insurance unless you are exempted because of your eligibility to the insurance from the Régie de l’assurance maladie du Québec (RAMQ).
See details of fees, coverage and card printing guide here.
If your country has signed a social security agreement with Quebec, you may be eligible for exemption from Cowan insurance. If you are not covered by the "social security insurance" in a country on the list below, you must keep and pay the Cowan insurance (HEC Montréal do not accept any other insurance plan).
For eligible students:
|Belgium||Form BE/QUE 128|
|Denmark||Valid Danish health card, obtained before you leave|
|Finland||Form SF/Q 4, FIN/Q 1 or F1/Q1, produced by the Finnish Social Insurance institution|
|France||Form SE-401-Q-106, “Attestation of affiliation to the social security system of the country of origin: inter-university exchanges”|
|Greece||Form GR/QUE 6 (ΚΕΜΠΕΚ-ΕΛΛΑΣ 6)|
|Luxembourg||Lux-Que Form 4|
|Norway||Certificate issued by HELFO (Health Administration) or the NAV (National Office for Social Insurance Abroad), or the certificate of coverage under Nowegian social security (form N/Q 1 or N/Q 5), obtained before you leave|
|Serbia||Form SRB/QUE 14 completed by competent authorities|
|Sweden||Certificate issued by Försäkringskassan|
|Romania||Form ROU/QUE 106|
Please note that medication, ambulance transport, emergency medical evacuation, repatriation of the body in the event of death and any trip outside Quebec are not covered by the RAMQ health insurance plan.
In addition to the RAMQ or the Cowan insurance, we strongly recommend that you take out additional insurance according to your needs (baggage insurance, cancellation, etc.) or to extend your coverage for a longer stay in Canada.
Find out in your country of origin before you leave, as you cannot take out such insurance from Canada.
If you arrive in Canada before the HEC Montréal Cowan insurance coverage period (August 16 for the fall term or January 1 for the winter term), you must obtain medical insurance covering this period. Find out in your country of origin before you leave.