Association étudiante du Cégep de Saint-Félicien (AECSF)
2026-2027 Coverage
Effective September 1, 2026
Paramedical and eye care
With coverage for paramedical and vision care, you can reduce the cost of visits to various professionals for eye exams and the purchase of glasses or contact lenses.
Our partnership with Groupe Visuel Iris could provide you with additional benefits when you are covered by the Major Plan.
Coverage details
Our partnership with Groupe Visuel Iris could provide you with additional benefits when you are covered by the Major Plan.
Here are the coverage details:
Overall maximum of $500 per coverage
| Acupuncturist Osteopath Massage therapist Physical therapist Podiatrist |
40 $ / visit, combined max. $400 / coverage | |
| Psychologist Psychotherapist Sexologist Social worker |
40 $ / visit, combined max. $400 / coverage | |
| Eye exam | $40 / 12 consecutive months | |
| Prescription glasses Contact lenses |
$75 / 24 consecutive months | |
Drug Insurance
With prescription drug coverage, you can reduce the cost of certain medications. Keep in mind that Plan Major acts as a secondary payer for your prescription drug coverage, so you must first submit your claims to RAMQ or another private insurance provider.
Coverage details
This student coverage does not replace the prescription drug insurance required by the Government of Quebec.
Here are the details of the coverage:
Combined maximum of $400 per coverage
| Contraceptives listed and not listed on the RAMQ list (second payer) (oral contraceptives, hormonal IUDs, contraceptive injections, contraceptive rings, contraceptive patches, and contraceptive implants) | 70% of the costs Generic drugs in addition to RAMQ, 2nd payer: 70 %. Brand name drugs: 70 % of the price of the drug if no equivalent on the market // 70 % of the price of the least expensive equivalent drug on the market. |
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| Antidepressants listed and not listed on the RAMQ list (second payer) | 70% of the costs Generic drugs in addition to RAMQ, 2nd payer: 70 %. Brand name drugs: 70 % of the price of the drug if no equivalent on the market // 70 % of the price of the least expensive equivalent drug on the market. |
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| Vaccines not covered by the RAMQ (excluding administration fees and allergy shots) | 70% of the costs
combined max of $100 |
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Extended Health Benefits
Thanks to the coverage provided by your supplemental student health plan, you can access a variety of healthcare services that are not covered by the Régie d’assurance maladie du Québec.
Coverage details
This student coverage does not replace the prescription drug insurance required by the Government of Quebec.
By maintaining your Plan Major coverage, you can take advantage of special offers from our partners, such as Clinique Virtuelle, Énergie Cardio, and many others. Visit the Network Discounts section for more details.
Here are the coverage details:
| Extended health benefits | Combined max. $500 / coverage | |
| Semi-private room (hospitalization) | 70 % of the costs max. $60 /day | |
| Ambulance (ground only) | 70 % of the costs | |
| X-rays and ultrasounds in private clinics (including maternity ultrasounds) | 70 % of the costs, max. $250 / coverage | |
| Blood tests (including health checkups) | 70 % of the costs, max. $150 / coverage | |
| Bra (following a mastectomy) | 70 % of the costs, max. $200 / coverage | |
| Deep shoes for orthotics Custom-made orthopedic shoes Open, flared, or straight shoes (modification or adjustment) Foot orthotics Rigid or semi-rigid splints Hernia bandages and casts Medical corsets Artificial limbs (excluding myoelectric prostheses) Artificial eyes |
70 % of the costs, combined max. $400 / coverage | |
| Hearing aids | 70 % of the costs, max. $500 / period of 5 years | |
| Hair prostheses (following chemotherapy) | 70 % of the costs, max. $200 for life | |
Dental Care
Thanks to your student health plan, you may be eligible for reimbursement for dental care.
Coverage details
For claims submitted directly to the dental office, you may need to provide the TELUS ADJUDICARE 34 / AUTOBEN digital identifier.
It is important to obtain a treatment plan from your treating specialist to confirm coverage for the prescribed procedures, particularly if the cost of the procedures exceeds $200. Certain limitations may apply.
Save even more thanks to our partnership with Lapointe Dental Centers. As a Plan Major policyholder, enjoy discounts and preferential rates in our Network Discounts section!
Here are the coverage details:
Overall maximum of $400 per coverage
| Diagnostic and prevention services | ||
| Examination Cleaning X-ray Polishing |
65% of the costs (subject to the maximums provided for in the contract) |
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| Basic care | Combined max. $300 / coverage | |
| Root canal treatment Gum treatment Tooth extractions (including wisdom teeth) Fillings (Composite (white) fillings are covered only for front teeth) |
65% of the costs | |
Gender affirmation coverage
Insurance coverage for gender transition and insurance specifically designed to help people transitioning genders cover the costs associated with their transition process.
Eligibility and characteristics
Eligibility and characteristics:
-Medical procedures must be performed in Canada.
-The person must have been diagnosed with persistent gender dysphoria* or gender incongruence**.
-The person must have obtained approval from the public health insurance plan of their province or territory of residence.
-The person must have obtained prior approval from the insurer, accompanied by documents confirming acceptance into the gender affirmation program of their provincial health care plan.
-The person must be covered by the health component of their student health plan.
-Dependents covered by the health component of the plan are eligible for this coverage.
*Gender dysphoria is a feeling of significant distress or difficulty functioning related to a person’s persistent feeling that their sex at birth does not match their idea of themselves as male, female, mixed, neutral, or other (gender identity).
**Gender incongruence is a marked and persistent incompatibility between a person’s gender identity and the gender assigned at birth, without necessarily causing psychological distress as in the case of gender dysphoria.
Before submitting a claim, your file must be pre-approved by the insurer. For more details, contact Plan Major at 1-877-976-2567.
Details of gender affirmation care
Travel accommodations will be covered by the insurer only if gender-affirming medical care is not available in the student’s province or territory of residence.
Surgeries and treatments performed to reverse gender-affirming surgery are not covered.
| Surgeries and treatments not covered by the provincial health insurance plan: | ||
| Breast and Chest Surgery | 80% of costs, up to $4,000 per type of surgery or treatment up to $10,000 lifetime |
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| Genital surgeries | ||
| Thyroid chondroplasty (Adam’s apple surgery) | ||
| Vocal cord surgery | ||
| Electrolysis or laser hair removal | ||
| Medications: | |
| Hormone therapy medications (second-party payer) | 100% of the costs, up to $1,000 per claim |
Coverage details
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HIV Exposure – Post-Exposure Prophylaxis (PEP) (Secondary Coverage)
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70% of the costs, up to $500 per year* | |
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Voluntary and Involuntary Pregnancy Termination (Related Non-Medical Access Expenses)
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70% of the costs, up to $400 per year* | |
Fracture Insurance
Thanks to the coverage provided by your supplemental student health plan, you may be eligible for reimbursement in the event of a fracture (resulting from an accident).
Coverage details
With Fracture insurance, you can receive up to $1,000 in the event of a fracture resulting from an accident. In addition, benefits are payable in addition to any other insurance held with an insurer or government program.
These benefits are not cumulative, and in the event of multiple fractures, the Insurer will pay you the benefit for the fracture entitling you to the highest amount. All claims must be submitted to Plan Major within 30 days of the date of the event. Be sure to send us the claim form along with the other documents required to process the claim.
Here are the coverage details:
| Skull Spine Hip Pelvis Femur |
$1000 / accident | |
| Larynx Scapula Humerus Patella Tibia Trachea Sternum Rib Fibula |
$300 / accident | |
| For all other fractures | $150 / accident | |
Accident Insurance
With this coverage, you may be eligible for reimbursement in the event of an accident.
Coverage details
Your plan’s accident insurance covers a variety of situations, such as dental expenses and medical care resulting from an accident. It also covers ambulance transportation costs and fees for chiropractic and physical therapy services. Please note that for claims related to care received following an accident, accident coverage always applies second.
Here are the details of the coverage:
| Benefits in the event of death or disability (resulting from an accident) | ||
| Loss of life | $10000 | |
| Paralysis (Quadriplegia, Paraplegia, Hemiplegia) | $20000 | |
| Benefits for dismemberment (resulting from an accident) | ||
| Loss of both hands or both feet | $10000 | |
| Complete loss of vision in both eyes | $10000 | |
| Loss of a Hand and a Foot | $10000 | |
| Loss of a foot and complete vision in one eye | $10000 | |
| Loss of an Arm or a Leg | $8000 | |
| Loss of a Hand or Foot | $7500 | |
| Complete loss of vision in one eye | $7500 | |
| Loss of the Thumb and Index Finger on the Same Hand | $3333 | |
| Loss of Speech and Hearing | $10000 | |
| Loss of Speech or Hearing | $7500 | |
| Hearing loss in one ear | $6667 | |
| Loss of all four fingers on one hand | $3333 | |
| Loss of all the toes on one foot | $2500 | |
| Loss of use of both arms or both hands | $10000 | |
| Loss of use of a hand or foot | $7500 | |
| Loss of use of an arm or a leg | $8000 | |
| Benefits for educational expenses (following an accident) | ||
| Lessons taught by a qualified teacher (certified by the Department of Education) | $20 per hour, up to $300 per accident | |
| Allowance for institutional expenses (including internship and training costs) | 50% of the cost, up to $1250 per session | |
| Benefits related to the reimbursement of paramedical expenses (following an accident) | Max. 10 000 $ / accident | |
| Private Nursing Services | 50 $ per hour, max. $5000 / accident | |
| Ambulance transport | $5 000 / accident | |
| Semi-private room (Hospitalization) | $5 000 / accident | |
| Physical Therapist | $300 / accident | |
| Chiropractor | $300 / accident | |
| Rental fees for a wheelchair and an iron lung | 100% of fees | |
| Hearing aids Crutches Splints Cast Neck braces Orthopedic supports |
100% of fees | |
| Benefits related to dental care expenses resulting from an accident | ||
| Dental expenses incurred for therapeutic purposes | 100% of costs, up to $5000 per accident | |
| Age limit | 85 years old or younger | |
What is considered an accident?
An accident is defined as an unintentional and unforeseen event caused by an external source. It is important to consult the contract to find out what is covered by accident insurance.
Have you been in an accident and would like to file a claim?
First, it is important to submit claims to your supplementary health insurance plan (if certain treatments are covered) before filing a claim with your accident insurance. The Plan Major team is available to assist you in coordinating benefits. Contact us at student@majorplan.ca.
You can then submit your claim by contacting the Insurance Company of Canada (AIG) directly at 1-877-317-8060 or at AHClaimscan@aig.com.
Travel Insurance
With this plan, you’re covered for medical emergencies abroad and trip cancellations, with coverage of up to $5 million.
Coverage details
Your coverage plan covers trips of up to 180 consecutive days. In addition, trips must take place during the current coverage period.
Here are the coverage details:
| Lifetime maximum of $5,000,000 | Lifetime maximum of $5,000,000 | |
| Emergency hospitalization (outside the province of residence) – Semi-private room – Services and supplies provided |
100% of the costs (reasonable and customary costs) |
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| Emergency Transportation (Ground / Air / Family) | $20 000 / $500 000 / $15 000 | |
| Cancellation / Trip Interruption | $5000 | |
| Identification Guarantee | $5000 | |
| Meals and lodging | $3000 ($150 per day) | |
| Transport to the hospital bedside | Round-trip in economy class | |
| The return of the traveling companion | $10000 | |
| Return accompanied by minor dependents | $5000 | |
| Return of the vehicle | $5000 | |
| MRI Medical Services (Diagnostic) | $7500 | |
| Dental accidents | $5000 | |
| Nursing | Max. $50 per shift | |
| Services provided by a physician or surgeon (duly qualified) Medications (prescribed by a qualified physician or surgeon) Services provided by an anesthesiologist (duly qualified) Outpatient services (provided by a hospital) |
100% of the costs (reasonable and customary costs) |
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| Crutches Hospital beds Splints Canes Sling Bandages Orthopedic devices Other prosthetics approved by the insurer |
100% of costs – Purchase or rental (reasonable and customary costs) |
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| Foot care specialist Chiropractor Osteopath Physical therapist Podiatrist |
$300 per practitioner | |
| Repatriation / Identification of the body | $15 000 / $5 000 | |
| International Assistance Services | Included | |
| Age limit | 85 years old or younger | |
| Maximum travel time | 180 days | |
Has something unexpected happened during your trip?
In the event of a medical emergency, and if possible before receiving treatment, it is important to contact AIG quickly at the numbers listed below.
Their multilingual agents are available 24 hours a day, 7 days a week.
Here are the phone numbers to call for travel insurance assistance → US and Canada (toll-free): 1 877-207-5018; Elsewhere in the world (collect call) 1 819-566-3940
Luggage insurance and travel delay insurance
Complete your travel coverage with baggage and travel delay insurance! A real must-have for peace of mind when traveling.
Coverage Offered by
Heath, dental, gender affirmation, and fracture: Humania Assurance
Accidents and Travel: AIG Insurance Company of Canada
Votre carte virtuelle
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Certificate Number:Student ID number
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Health/Dental Group Number:63181
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Digital ID at the dentist:Telus Adjudicare 34 / Autoben
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Digital ID in pharmacies:Telus Assure 34
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Accident Group Number:SRG 9140579A-038
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Travel Group Gumber:9426277-039
