Disclaimers

1. In order to enrol you in the group health insurance plan and allow for the assessment and processing of medical claims for reimbursement, McGill University will communicate the following personal information to Medavie Blue Cross:
   1.  McGill ID number, 
   2. full legal name, 
   3. date of birth, 
   4. mailing address, and 
   5. analogous information of any dependents, if applicable. 
2. The personal information listed above will be shared with Medavie Blue Cross for the sole purpose of enrolment to and administration of your McGill’s health insurance coverage. 
3. This health insurance coverage is a required obligation of your Québec Acceptance Certificate (CAQ). 

Questions and Concerns:

For any questions or concerns about this notice or the sharing of your personal information, or to oppose the communication described in this notice, please contact the  International Student Services unit. For more information about how McGill processes your personal information and your rights, please consult the privacy.secretartiat [at] mcgill.ca (McGill Privacy Notice).  

1. Maternity benefits extend to you and your spouse if:
   1. You re-register and were already covered under the IHI plan.
   2. You or your spouse were previously insured by a benefit from a group insurance plan offered by a recognized Canadian education during the previous academic year.
2. If you or your spouse were not insured during the previous academic year:
   1. Maternity benefits are insured if normal delivery takes place during the first 30 weeks following initial registration in the plan up to a maximum of $20,000.
   2. In case of a miscarriage or early delivery, the 30 week limit does not apply as long as conception occurred during the first 6 weeks immediately prior to or subsequent to registration.

1. In order to be eligible to use the International Health Insurance contract and make claims:
   1. You must be a registered student at McGill University.
   2. You must pay for the coverage.
2. Any changes that affect your registration status at McGill University, may result in the automatic cancellation of your International Health Insurance plan. Examples of these situations include, but are not limited to:
   1. Admission Deferral.
   2. University Withdrawal.
   3. Registration Gap.
   4. Leave of Absence in any given term.
   5. Other kinds of absence of registration.
3. Notify ISS immediately of any changes in your registration status to understand how it affects your eligibility for McGill’s International Health Insurance.
4. You are responsible for reimbursing Medavie Blue Cross for any claims refunded after the changes in your registration status.

1. It is your responsibility to make necessary changes to your health coverage as dependants join you in Canada.
2. If your dependent rejoins the IHI plan in future terms, and there is a gap in coverage, please be aware that they will not be eligible for the two (2) weeks of complimentary coverage and that the preexisting conditions limitations (lifetime maximum of $20,000 CAD) may apply.
3. You can cancel coverage for your dependants:
   1. Within 30 days, the first 30 days of a semester of study.
   2. You have proof that your dependant is either outside Canada and/or leaving Canada.
4. For returning students:
   1. It is your responsibility to add your dependants to your IHI plan every year when activating your coverage at the beginning of each academic year.
   2. Failure to do so will result in the coverage automatically being activated to SINGLE, thereby leaving your dependants without coverage.

All claims must be received by Medavie Blue Cross Insurance no later than 90 days after the end of the policy year in which the claims were incurred or 90 days after the end of your coverage, whichever is sooner. For more information, please see page 19 of the Medavie Blue Cross Handbook.

Coverage for a pre-existing condition is limited to a lifetime maximum of $20,000 CAD. Once this maximum is reached, you will not receive coverage for this condition. Includes conditions related to mental health and congenital diseases.

Pre-existing Condition Definition:

1. A medical condition for which you or your dependent(s) have consulted a physician, been treated by a physician or been prescribed medication during the 3-month period (12-month period for travel benefit) preceding the effective date of insurance.
2.  Pregnancy is considered a pre-existing condition if delivery takes place within the first 30 weeks following initial registration in the plan, whether or not it was diagnosed during the 3-month period preceding the effective date of insurance. 
3. For insurance purposes, such a condition will cease to be considered a pre-existing condition on the date you or your dependent(s) have completed a period of 12 consecutive months following the effective date of insurance without any physician consultation, medical treatment or drug prescription for this condition. 
4. Even if you or your dependent(s) have not consulted a physician during the three-month period preceding your arrival in Canada, the medical condition is considered as a preexisting condition by the Insurer if the state of health shows obviously that the condition existed at the time of arrival in Canada. 
5. Moreover, is also considered a pre-existing condition, any state of condition for which symptoms have been ignored or for which a medical advice has not been followed, or for which recommended investigation treatment, examination or intervention have not been done. 
6. The pre-existing condition applies in all cases of congenital disease, whether or not diagnosed. The pre-existing condition will not apply if this plan replaces a similar coverage the student had with a group insurance plan offered by a recognized Canadian educational institution, for a period of 12 consecutive months immediately prior to the present coverage.

The lifetime maximum for all health insurance coverage combined benefits is $1,000,000. 

All planned hospitalization or surgery must be pre-authorized by the insurer in order to obtain health insurance coverage.

All Travel to Home Country

Home Country definition: The country of citizenship identified by the Insured at the time of enrolment at the university, and the country in which the Insured maintained permanent residence prior to arrival in Canada, if different from the country of citizenship so identified.

Health Insurance coverage in the Home Country is limited to emergency hospitalization(in-patient over night stay) and only up to a maximum of $2,000 CAD per day for all services combined.