Eligibility for exemptions

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

Private health insurance plans are not accepted.

International students who have health insurance provided by their employer or through a parent’s plan are not eligible for an exemption from the Concordia Blue Cross Health Insurance Plan for International Students.

Who qualifies for an exemption?

How to opt out if you qualify for an exemption?

The proof must be presented in English or French indicating the period and amount of coverage available in Canada. You must either email one of the listed below documents to iso@concordia.ca (don't forget to include your student ID# in the subject line of your email) or bring it to the ISO in-person:

  • valid Quebec Medicare card /Carte d’assurance maladie du Québec or a letter of admissibility 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 or PR card (front and back) 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 purposes.

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 will you need to opt out?

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 

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 by:

  • September 30 (if you start your studies during the Fall term or if you are a returning student)
  • January 31 (if you start your studies during the Winter term)
  • May 31 (if you start your studies during the Summer term)

After your first term, you must request this exemption by whichever of the following date applies to your situation:

  • Every time your document expires (mostly for Sponsorship documents)
  • Every September of each academic year (mostly for RAMQ holders)

Failure to provide the ISO with the required documents by the above-mentioned dates will result in the student getting charged for the full academic term.


What happens in your withdraw from your program?

Students who withdraw from their program must request* to cancel the Blue Cross Plan by contacting the ISO. The Blue Cross Plan will be cancelled based on the date the request is submitted and students will receive a partial refund..

For example: if you withdraw in February and ask the ISO to adjust your plan in March, you will be refunded from April onward.

Your Blue Cross Plan cannot be cancelled once the coverage year has ended.

*Additional documents may be requested by ISO Advisors. Requests will only be considered complete when all relevant documentation has been received and reviewed.


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 (term) following the claim.

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514-848-2424, ext. 3515 


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Location & hours

Sir George Williams Campus
1550 De Maisonneuve Blvd. W.

Operating hours

Monday to Friday 9 a.m. to 5 p.m.

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