Ibrahim Gardner
Health insurance is essential for students at Concordia University. While the university does not manage insurance plans, it offers various options for students, including the Concordia Student Health Plan, which is automatic for students meeting specific criteria. Undergraduate and graduate students can learn about the plan through the Studentcare website, while international students can access a separate plan provided by Blue Cross and managed by the university's International Students Office. Students from outside Quebec must ensure their coverage starts upon arrival and extends throughout their studies. Additionally, students studying outside their province of residence must inform their health insurance provider to maintain coverage.
| Characteristics | Values |
|---|---|
| Who is eligible for the Concordia Student Health Plan? | Undergraduate and graduate students |
| Who is automatically enrolled? | Domestic students |
| Who must purchase separate insurance? | International students, visa-holding students studying for less than 12 months |
| How to enrol | Obtain a Studentcare ID and activate your plan |
| When can you enrol? | Between September 5th and October 4th |
| When does the plan begin and end? | January 1st, 2025 - August 31st, 2025 |
| What does the plan cover? | Health, dental, vision, prescription drugs |
| What is not covered? | Pre-existing health issues |
| How much does it cost? | $300 CDN per year or $200 CDN in the winter term |
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What You'll Learn
International students: International Student Medical Insurance Program
International students at Concordia University are automatically enrolled in the Blue Cross health insurance plan for international students upon course registration. This is a mandatory requirement for students on a visa who intend to study at the university for less than 12 consecutive months. The International Student Medical Insurance Program costs $250 per semester and covers hospitalisation and medical services for emergencies due to sickness or injury. However, it is important to note that this plan does not cover any pre-existing health issues.
If you are an international student intending to stay for a year or more, you may qualify as a resident of Alberta and be eligible for Alberta Health Care coverage. Additionally, the Concordia Students' Association (CSA) offers a Health and Dental Plan at a cost of $300 CAD per year or $200 CAD if starting in the winter term (January). This plan provides insurance for prescription drugs, dental, vision, and more. You may be able to opt-out of this plan if you can provide proof of equivalent coverage by the application deadline.
For those who are Canadian citizens or permanent residents returning to Montreal to study after living abroad, you will need to verify your eligibility for RAMQ health insurance. If you are eligible for RAMQ, your coverage will usually start after a waiting period of up to three months. During this waiting period, you will need to ensure you have insurance through a private provider.
It is important to note that while studying full-time outside your province of residence, your provincial health insurance can cover your basic medical expenses. However, this is not automatic, and you must contact your province's health insurance provider before leaving your province to inform them of your plans to study in Quebec and maintain coverage. This procedure varies from province to province, and you must inform them each year.
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Domestic students: Studentcare Health Insurance
To purchase a student health plan at Concordia University, you must have valid and up-to-date health insurance through the government (e.g. RAMQ or OHIP insurance) or private providers (e.g. Blue Cross for international students). You may also enrol in supplementary health plans through Concordia student unions or other private providers. If you are coming to Montreal from outside Quebec, your coverage must start when you arrive and continue throughout your studies.
If you are a Canadian citizen or permanent resident who has been living abroad and is coming to Montreal to study, you must verify your eligibility for RAMQ health insurance. After registering for RAMQ health insurance, there is usually a waiting period of up to three months before coverage begins. During this time, you will need insurance from a private provider. If you are not covered by RAMQ, you can choose to purchase insurance through a private provider.
Undergraduate and graduate students can learn about the Concordia Student Health Plan through the Studentcare website. Students who meet certain criteria are automatically enrolled in the Concordia Student Health Plan. Undergraduate students can consult the Concordia Student Union (CSU) Health and Dental Plan, and graduate students can consult the Graduate Students' Association (GSA) Health and Dental Plan. Details about the plan can be found on the Studentcare website.
If you are studying full-time outside your province of residence, your provincial health insurance may cover your basic medical expenses. However, you must contact your province's health insurance provider before you leave your province to inform them that you will be studying in Quebec and wish to remain covered. This procedure varies from province to province. You must inform them each year while studying out of the province.
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Criteria for automatic enrolment
Undergraduate and graduate students can learn about the Concordia Student Health Plan through the Studentcare website. Students who meet certain criteria are automatically enrolled in the Concordia Student Health Plan. Undergraduate students can consult the Concordia Student Union (CSU) Health and Dental Plan, and graduate students can consult the Graduate Students' Association (GSA) Health and Dental Plan to determine if they meet the criteria for automatic enrolment.
Domestic students are automatically enrolled in the Studentcare Health Insurance plan as of September 1st. The plan includes health and dental coverage, and students must obtain a Studentcare ID to activate their plan. The plan typically covers the period from September 1st to August 31st of the following year, with costs automatically included in tuition and other fees. Students can opt out of the plan between September 5th and October 4th or during the Change-of-Coverage & Opt-Out Period.
International students at Concordia University are automatically enrolled in the Blue Cross health insurance plan for international students. This plan is managed by Concordia University through the International Students Office. International students must ensure they have valid and up-to-date insurance, especially if they are coming to Montreal from outside Quebec.
Students who are members of the Concordia Student Union (CSU) and are taking more than three credits per term while paying tuition fees at federal or provincial rates are automatically enrolled in the CSU extended Health and Dental Plan. Students taking three or fewer credits are still eligible but must enrol during the Change of Coverage and Opt-Out period.
Students with Quebec Medicare can contact the Régie de l'Assurance Maladie (RAMQ) to obtain a replacement if needed. Canadian residents with Medicare cards from another province can find replacement information on their provincial health department's website. All Canadians have access to health insurance but must register with their province of residence.
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Opting out of the Concordia Student Health Plan
Undergraduate and graduate students at Concordia University can learn about the Concordia Student Health Plan through the Studentcare website. Students who meet certain criteria are automatically enrolled in the Concordia Student Health Plan. Undergraduate students can consult the Concordia Student Union (CSU) Health and Dental Plan, and graduate students can consult the Graduate Students' Association (GSA) Health and Dental Plan.
Students who wish to opt out of the Concordia Student Health Plan can find information on how to do so on the Studentcare pages for undergraduate and graduate students. The deadline to avoid fees for services offered by the CSU approaches during the winter semester.
According to the GSA Concordia website, collective insurance plans for students work by automatically enrolling all Québécois, Canadian, and Permanent Resident students in the plan when they register for courses. Students have the option of opting out during their first few weeks of study. This enrolment system keeps the overall cost of the plan low compared to the cost of an individual health insurance plan.
If you are a Canadian citizen or permanent resident coming to Montreal to study, you will need to verify your eligibility for RAMQ health insurance. You can register for RAMQ health insurance, after which your coverage usually starts after a waiting period of up to three months. If you are waiting for your provincial coverage to begin, you will need to ensure that you have insurance through a private provider.
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Provincial health insurance
If you are a student at Concordia University in Montreal, you must have valid and up-to-date health insurance. This can be through the government (e.g. RAMQ or OHIP insurance) or private providers like Blue Cross for international students. You may also be enrolled in supplementary health plans through Concordia student unions or other private providers.
If you are coming to Montreal from outside of Quebec, you need to ensure that your coverage starts when you arrive and continues throughout your studies. It is essential that you are insured the entire time that you are in Canada.
If you are a Canadian citizen or permanent resident who has been living abroad and is coming to Montreal to study, you will need to verify if you are eligible for RAMQ health insurance. To do this, you must contact your province's health insurance provider before you leave your province to inform them that you will be studying in Quebec and wish to remain covered. This procedure varies from province to province. You must inform them each year while studying out of the province. After you register for RAMQ health insurance, your coverage usually starts after a waiting period of up to three months. If you are waiting for your provincial coverage to begin, you will need to make sure you have insurance through a private provider.
If you are not covered by RAMQ, you can choose to purchase insurance through the International Students Office (sold by term) or another provider. You will need to alert your provider that you do not have provincial coverage. You may also be eligible for supplemental health plans offered through the Concordia Student Union (CSU)/Graduate Students' Association (GSA).
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Frequently asked questions
Undergraduate and graduate students can check their eligibility for the Concordia Student Health Plan on the Studentcare website.
Students who meet the eligibility criteria are automatically enrolled in the Concordia Student Health Plan. Undergraduate students can consult the Concordia Student Union (CSU) Health and Dental Plan, and graduate students can refer to the Graduate Students' Association (GSA) Health and Dental Plan.
Yes, you can opt out of the Concordia Student Health Plan. Information on how to do so can be found on the Studentcare pages for undergraduate and graduate students.
The Concordia Student Health Plan covers telemedicine through Lumino Health Virtual Care, among other services and procedures. A detailed list of what is covered by the plan is available to health plan members.
