See if you qualify for the Quebec Health Insurance Plan (RAMQ) and what steps to take. If you qualify, you will be exempt from the Cowan medical insurance.
The Quebec Health Insurance Plan covers medical and hospital services. It does not cover dental and optometry services, or prescription medications.
We recommend that you take out supplemental health insurance for services not covered by RAMQ.
RAMQ coverage is only valid within Quebec.
If you are not eligible for RAMQ, there are other insurance options available to you.
The following steps only apply to students who reside in a country that has signed a social welfare agreement with Quebec.
You will need the registration form or required attestation in order to get it signed by the authorized institution.
You must register for the Quebec health insurance plan online. You will need, among other things, your Quebec Acceptance Certificate (CAQ) and your study permit and a full-time study attestation (available in HEC Online).
You will need to upload one of the following two documents to HEC en ligne:
Send these documents before the deadline for tuition fee payments.
The initial premiums you paid for Cowan insurance will get subsequently reimbursed.
Immediately notify the RAMQ of any change of address.
If you are registered for the last term of your program and are studying part time, you are still eligible for public health insurance with the RAMQ.
If you have received your new CAQ: Your RAMQ enrolment must be renewed. You must proceed in the same way as when you first registered.
In the course of the school year, was your schedule irregular (e.g. part-time studies, a break in your studies)?
Not having valid medical insurance in Quebec is risky. If you find yourself in this situation, please email the Registrar’s Office firstname.lastname@example.org. You will need to take out insurance with Cowan.