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Step 3. Compulsory Health Insurance


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 stay.


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, not 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 to the Régie de l’assurance maladie du Québec (RAMQ).


Students arriving in Montreal in advance of their programs are advised to sign up for an insurance plan 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. 


 Mandatory Insurance

 Exemptions under certain conditions

HEC Montreal's Health Insurance Plan provided by the SunLife

International students are automatically enrolled.

Applicable fees required.

Refund claim form; follow the link above.

Exemptions from the SunLife insurance

Only possible under agreements between Quebec and specific countries.

No other exemptions possible

Click here for a list of medical and dental clinics in Montréal.
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