Concordia University

https://www.concordia.ca/content/concordia/en/students/international/health-insurance/exemptions.html

Eligibility for exemptions

Only certain International students are eligible to be exempted from the Blue Cross Health Insurance Plan for International Students.  


Who qualifies for an exemption


How to opt out of the Blue Cross Health Insurance Plan for International Students

The proof must be presented in English or French indicating the period and amount of coverage available in Canada. You must present one of the listed below documents to the International Students Office,GM building, room 330:

  • valid Quebec Medicare card /Carte d’assurance maladie du Québec or a letter from Régie de l'Assurance Maladie du Québec (RAMQ) confirming the start and end date of your Quebec Medicare card 
  • eligible sponsorship letter which clearly mentions the health insurance coverage as well as the duration of the policy
  • Record of Landing document for Permanent Residents

This information is required by the Ministère de l’Éducation, de l’Enseignement supérieur et de la Recherche and must be in the Concordia student’s file for audits and reports.

Should this coverage (private or government plan) expire during the academic year, you are responsible for extending the coverage and providing proof of it to the ISO; otherwise, you will be automatically registered in the Blue Cross Health Insurance Plan for International Students and charged the respective health insurance fees.


How often should you repeat the opt-out process

Since health insurance fees are charged on a yearly basis when you register for courses or CIP (Continuing in Program), you will have to repeat the process each year in September when health insurance fees are automatically charged on your student account. Even if your proof of insurance (for example, your Medicare card) is valid longer than the current benefit year, you still need to repeat the opt-out process every September. Otherwise, you will be automatically registered in the Blue Cross Health Insurance Plan for International Students and charged the respective health insurance fees.


Deadlines for opting out of the Blue Cross Health Insurance Plan for International Students

Adjustments or cancellations will be based on the date the ISO receives a copy of the above-mentioned supporting documentation. Insurance plans are based on a monthly rate from the first day of the month to the last day of the month. As such, and in order for the student to obtain the fullest refund, the request for adjustments or cancellations should be made prior to the first day of the month.


Refunds

Refunds are provided in the form of credit to the student’s university account.  Students may leave a credit on their student account and it will automatically be applied to fees owing in the next semester(s).  To request a cheque refund, you may follow this step-by-step guide.

Retroactive refunds will only be considered and provided where supporting documents can prove that health insurance coverage has been maintained continuously from the beginning of the required insurance period. Where the supporting documents do not indicate health insurance coverage, the monthly fee charged will not be refunded.  

Students who qualify for an exemption and who have filed a claim under Blue Cross Plan for International Students can only receive a retroactive refund for the period (months) following the claim.

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