Coverage
Immigration Quebec regulations require that all international students be covered by a health insurance plan that meets government standards, while studying in Quebec. The Blue Cross Medavie insurance is mandatory for all international students unless they qualify for an exemption.
Overview
This page describes the basic coverage of your Blue Cross Medavie health insurance plan.
To do:
- Download and review your Blue Cross Health Insurance Policy Booklet (for details and maximum reimbursements of your coverage).
- Register online and print your Blue Cross card.
Coverage period
Your health insurance coverage starts on:
- September 1 for students beginning their studies in the Fall term
- January 1 for students beginning their studies in the Winter term
- May 1 for students beginning their studies in the Summer term
Basic care
Your Blue Cross insurance plan will cover you anywhere in Canada and reimburse you at the rates determined by the Régie de l'assurance maladie du Québec (RAMQ).
- Hospital charges
- active care (illness or injury)
- psychiatric disorders
- pregnancy
- out-patient clinic
- Prescription drugs (regular list)
- Medical evacuation
- Physician's fees
- Psychiatrist
- Abortion
- Dental care in hospital
- Mammary prostheses
- Repatriation
- Cremation or burial
Extended health care includes
- Convalescent care
- following illness or injury
- psychiatric disorders
- Ambulance services
- Nursing care
- Diagnostic tests
- Eye examination
- Intrauterine device (IUD)
- Accidental dental
- Medical equipment
- Paramedical services:
- Athletic therapist
- osteopath
- physiologist
- chriopractor
- podiatrist
- audiologist
- dietician
- speech therapist
- Psychologists, psychotherapist and social worker
Important: Note that your dependents (spouse and children) are not eligible under this insurance plan.
Current medications and prescriptions
Should you need to renew or get a prescription during your studies, you must make an appointment with a doctor.
Provide the description and name of your medication and the condition being treated (what it's prescribed for). 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.
Medical services that are not covered
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 vaccinations before coming to Concordia.
Blue Cross Medavie covers dental care caused by an accident, and offers only a very limited amount of $250 coverage for dental surgery when it is performed in a hospital.
Regular dental care (check-ups, cleanings, fillings, etc.) is not covered. Supplemental dental coverage is available should you need it.
Blue Cross does not cover glasses or contact lenses.
An eye examination by an ophthalmologist or optometrist is covered up to a maximum reimbursement of $50 per participant, per period of 24 consecutive months.
Blue Cross Medavie will not cover medical expenses outside of Canada. You should purchase travel insurance if you want to be covered.
Travel insurance
We highly recommend that you obtain travel insurance if you will be traveling outside Canada. Your Blue Cross Health Insurance plan will not cover you outside of Canada.
To obtain travel Insurance call Blue Cross at 514-906-4923. Specify that you are a Concordia International Student insured with Blue Cross/Medavie.
