Immigration Quebec regulations require that all international students be covered by a health insurance plan that meets government standards, while studying in Quebec. In keeping with this government directive, Concordia University has negotiated a compulsory health and accident insurance plan with Blue Cross that all Concordia international students must have. Only certain groups of students are allowed to be exempted from Blue Cross Plan for International students.
RAMQ is an acronym for Regie d”Assurance Maladie du Quebec. RAMQ is the medical insurance plan that covers all Quebec residents who are either permanent resident or Canadians. Often you will hear people refer to it as Carte Soleil (Sun Card) or Medicare Card.
Sometimes at the beginning of the term there could be a delay in your information being sent to Blue Cross. You can contact the International Students Office and they will follow up with Blue Cross to confirm your insured status.
You must visit a general doctor with the description and name of your medication along with what it is prescribed for and the doctor will be able to determine if this medication exists in Canada and give you a prescription for it. If the medication does not exist in Canada the doctor will be able to find an alternative medication that can be prescribed for the same condition.
Please make sure you are familiar with the Pre-existing rules in the Blue Cross Health & Accident Insurance plan.
There is a very limited amount of $250 coverage for dental surgery when it is performed in a hospital. For regular dental care you will need to acquire the additional dental coverage available through the CSU (Concordia Student Union), and the GSA (Graduate Students Association).
If you are interested in having this additional dental insurance you must self-enrol at the start of your academic program. Eligibility and details about specific coverage with these plans are available from the Quebec Student Health Alliance at:
No, Blue Cross does not cover additional health services such as glasses/contact lenses. An eye examination by an ophthalmologist or optometrist is covered up to a maximum reimbursement of $35 per participant, per period of 24 consecutive months.
If your pregnancy started prior to the start date of your Blue Cross Health Insurance plan then the pregnancy will be considered pre-existing and Blue Cross will not cover any medical expenses related to it. Please refer to your Blue Cross Health Insurance policy booklet, page 5.
AS OF SEPTEMBER 1, 2019, THE ISO NO LONGER OFFERS HEALTH INSRUANCE FOR DEPENDENTS.
Health insurance coverage is highly recommended for spouses and children who are accompanying an international student to Canada. For information on other insurers who provide Visitor's Insurance on an individual basis, please see a list of websites below. You can compare their plans and choose the one that best fits your current situation. Keep in mind that not all plans are comparable and it is the responsibility of the student to check on the plan details.
Please note that some plans completely exclude expenses related to pregnancy; others will only cover the expenses if the pregnancy started after the beginning of the health insurance coverage. There can also be limitations relating to the coverage of your newborn. Remember: newborns do incure costs post-delivery and you are responsible for said costs.
Nursery fee is a fee to keep the baby in a nursery bed at the hospital. Nursery fees are not covered under the mother’s health insurance plan. Please discuss what fees are covered with your newborn baby’s Health Insurance Provider
You should go see a doctor as soon as possible. It is important to go see a doctor prior to the exam, class/lab or due date for an assignment. The best place to go is Concordia Health Services. See Health services website under Medical Note.
No, your Blue Cross Health Insurance plan will not cover you outside of Canada; we highly recommend that you obtain a travel insurance if you will be traveling outside Canada. To obtain Travel Insurance call Blue Cross at 514-906-4923 and make sure that you specify that you are a Concordia International Student insured with Blue Cross/Medavie.
You can go to any medical clinic near Concordia or near where you live. If there are no clinics open and your condition is urgent you can visit any of the Hospital emergency rooms. Please make sure that you always have your Blue Cross insurance card with you. You can download the card from the Medavie Blue Cross web site. You must also have on you a photo ID, we suggest you have your Concordia ID card and a photocopy of your passport.
Blue Cross has only limited coverage, so if you want to receive vaccines in Canada, you will have to pay out-of-pocket. Concordia University Health Services strongly encourages all future students to update their vaccines before coming to Concordia.
For more information on the shots you need for Canada, check out Health Services’ Vaccines page, as well as a list of core vaccines that are recommended for adults. Bring it to your health professional and take a picture of your vaccine records on your phone; this is important information you should have available.