Insurance

On this page:
Important information for Canadian students |
Undergraduate Supplemental Insurance Plans (SSMU or MCSS) | Graduate Supplemental Insurance Plan (PGSS) | McGill’s International Student Health Insurance Plan (IHI) | MACES Health and Dental Plan (Continuing Studies)


Important information for Canadian students

Canadian students from outside the province of Quebec should check with their own provincial Medicare office to ensure the validity of their health coverage while studying at McGill.

If you are a recent permanent resident of Canada or a Canadian citizen who has been living abroad, you may not be eligible for provincial health insurance coverage, or you may have to wait for three months after your arrival to qualify. To ensure adequate health insurance coverage, you should enroll in the group plan offered through International Student Services.

Students without valid Canadian Medicare should refer to McGill’s International Health Insurance Plan section below or visit the International Student Services insurance site. If a Canadian student chooses to opt-in to the University’s plan, they will still be charged the supplemental health and dental portions of their respective student society’s insurance plan. Students may wish to stay enrolled in the supplemental health plan as there are extended benefits which may be of interest. Students, who opt-out of the supplemental health plan, cannot join this plan until the next academic year. Students should evaluate their own situation prior to making a decision to opt-out.

Students must have either valid provincial healthcare or an equivalent plan (such as McGill’s International Health Insurance Plan) in order to use any supplemental health plans offered through their student society.

Undergraduate Supplemental Insurance Plans (SSMU or MCSS)

Canadian undergraduate students registered in a Fall* semester are automatically covered by their respective society's Supplemental Health and Dental Plan (SSMU or MCSS). The cost of these plans in 2017-18 is as follows:

  • Students' Society of McGill University (SSMU) - $245.00
  • Macdonald Campus Students' Society (MCSS) - $262.97

International students are enrolled in the dental insurance plan and are required to pay the following premiums:

  • Students' Society of McGill University (SSMU) - $100.00
  • Macdonald Campus Students' Society (MCSS) - $163.55

* Students entering the University in the Winter semester are not automatically covered by their society's Supplemental Health and Dental Plan, and must opt-in if they wish to have coverage. For more information please refer to the appropriate society's Health and Dental Plan brochure found in the Forms and Documents section of our site.

For details on what is covered by the plan, as well as opt-out procedures and deadlines, please refer to the information contained at www.studentcare.ca .

Graduate Supplemental Insurance Plan (PGSS)

Canadian graduate students registered in a full-time or additional session/non-thesis extension term, as well as all students in a thesis evaluation term or who are Post-doctoral candidates who enrol before September 29, 2017, are automatically covered by their society's Supplemental Health and Dental Plan (PGSS). In 2017–2018, the cost of this plan is $454.71 (single coverage). Eligible students not charged automatically for insurance fees can choose to enrol themselves during the appropriate Change-of-Coverage period. For more information on what is covered by this plan, as well as enrolment, opt-out procedures, and deadlines, please refer to the information contained at www.studentcare.ca towards mid-August.

Eligible international students are enrolled in the dental insurance plan and are required to pay the following premium:

  • Post-graduate Students' Society (incl. Post-Docs*) $203.44

*Post-docs who are unionized as of Jan 1 2017 will not be subject to PGSS fees and Student Services.

MACES Health and Dental Plan (Continuing Studies)

All Canadian citizens and permanent residents registered in a minimum of one 3 credit course are automatically enrolled in the MACES Health & Dental Plan. The plan is designed to complement existing provincial Medicare or international health insurance plan to provide for services needed by students that are currently not covered.  These include vision care, prescriptions, dental care, travel health coverage, and diagnostic services. In 2017–2018, the cost of this plan is $275 (single coverage).

International students are automatically registered for the Blue Cross International Student Health plan upon registration to McGill. This plan is administered by International Student Services. International students are registered only for the MACES Dental Plan, not for the Health and Vision Plan and are charged $145 for the year.

The MACES Health & Dental Plan is administered by the Quebec Student Health Alliance. More comprehensive information on exact policy coverage can be found at the ASEQ website www.studentcare.ca or by calling (514) 844-4423.  For more information on enrolment in the plan including extension of coverage to dependents, opt-out procedures, and deadlines, please refer to the information on this plan at www.studentcare.ca in August.   Brochures are also always available at the MACES building. 

McGill’s International Student Health Insurance Plan (IHI)

By McGill Senate regulation, ALL students who do not have Canadian citizenship or Permanent Resident status, as well as their accompanying dependents, must participate in a compulsory health insurance plan administered by the University. This policy applies as well to students who may be exempt from international fees. For more information, visit the International Student Services insurance site.The Blue Cross premium rates for 2017-2018 are:

  • Single: $993.00
  • Dependent: $3,048.00
  • Family: $5,793.00

All International students registered as of August 14, 2017 (midnight) will be billed in August (due August 31st) for the International Health Insurance. Students will be required to confirm their insurance coverage on Minerva (Minerva -> Student -> International Student Health Insurance Coverage Form ) beginning August 1st  (December 1st for the Winter term) and then pick up their Blue Cross Health Card at Service Point (MS-55, McLennan Library Building, 3415 McTavish). International students may be exempted from International Health Insurance if they meet certain conditions.

Exemptions must be applied for no later than the deadlines indicated in the second column in table below, in order to avoid interest on the health insurance charge. Exemption categories and procedures can be found on International Student Services insurance site.  Please note that some exemptions may be valid for one year only and would need to be renewed annually.  Late exemption requests will only be applied for the following term(s).

 

Minerva form opens for confirmation of coverage/exemption request

Deadline to request exemption in Minerva without incurring interest on IHI fee

Deadline to request an exemption online and submit supporting exemption documents

Fall

August 1

August 31

September 30

Winter

December 1

January 4

January 31

Summer

April 1

April 26

May 31

In general, the policy provides coverage similar to that of Québec Hospitalization and Québec Medicare. Students should note that maternity benefits are restricted.

International students who will not reside in Québec during the academic year and students with valid Québec Medicare cards at the time of registration must request exemption status by September 30, 2017. All inquiries concerning the International Student Health Insurance plan should be directed to:

Tel.: (514) 398-4349
Fax: (514) 398-1506
Email: international.health [at] mcgill.ca (International Health)