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Medical insurance for international students

International students are required to have health insurance, and they can also take out supplemental insurance. Here are the possibilities offered at HEC Montréal.

Required medical insurance

Sun Life Financial

International students are automatically registered for medical insurance from Sun Life Financial, which is provided by HEC Montréal. The cost is applied to your school fees.

Possible exemptions

Premium reimbursed

If you qualify for an exemption, the initial Sun Life Financial insurance premium will be reimbursed to you. Just send proof of your eligibility (RAMQ) to HEC en ligne before the deadline for tuition fee payments.


Supplemental health insurance

Although the School does not insist upon it, students are free to opt for supplemental insurance. This type of insurance can work well for items that are not covered by Sun Life Financial or RAMQ, such as dental, optometry and long-term travel. These areas are also covered by some private insurers.

List of options

  International students eligible for RAMQ Other International students
RAMQ only – basic coverage, excluding dental and optometry services (no cost)  
RAMQ with ASÉQ supplemental – health and dental or one option (max. $402.58)  
RAMQ and other supplemental insurance (costs vary)  
Sun Life – including 60-day travel insurance ($711)
Sun Life with ASÉQ supplemental – dental only ($922.76)

For more information

Email us at sae.info@hec.ca

Exchange students: please contact incoming@hec.ca


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