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Your plan from AÉTELUQ

The Plan

You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $25/month you can benefit from inexpensive coverage and a host of discounts and preferential rates from our Rebate Network discount partners.

However, if you do not wish to take advantage of these benefits, you must withdraw from the plan during your course enrolment process, by unchecking the AÉTELUQ Group Insurance Benefit Premium on your invoice. It will appear before you complete the checkout process and before you pay your tuition fees. If it is left checked, there will be no subsequent opportunity to withdraw.

AETELUQ provides you with extended health insurance, dental and eye care, as well as accident and travel insurance.

Plan Enrolment Important Numbers Registration and Coverage Period Amendment Period Family Coverage


Plan Enrolment

The insurance premium is included on your tuition invoice. The coverage period is for four (4) consecutive months. By subscribing to the plan, you get the benefits of dental, health, travel, vision and more!
If you maintain the insurance plan and re-enroll in a course within two months of the end of your coverage, your participation in the plan will automatically be extended. This automatic extension of coverage can occur a maximum of two (2) times, after which plan membership becomes optional again.

Health, Dental and Travel
Per 4 months period $99

If applicable, fees include premiums, administration fees, commissions, withholdings, and taxes that may apply to the plan.


Important Numbers

Here are some important numbers relative to your plan.


Registration and Coverage Period

The coverage period is for four (4) consecutive months and the effective date of the insurance is linked to the course enrolment date.

Within days of registering, you can contact our customer service department to request confirmation of coverage, at student@majorplan.ca.


Amendment Period

Claims can be submitted once academic fees, including the plan premium, have been paid. However, claims will not be reimbursed until the end of the amendment period. This period is the first 30 days following beginning of coverage. During the amendment period, plan coverage can be extended to your children at an affordable family rate.


Family Coverage

Plan coverage can be extended to dependent children. To do this, you must add an 8-month extension period to your individual 4-month coverage and add your children. The cost of the annual premium for adding children remains the same, regardless of the number of children added to family coverage.

 

Health, Dental and Travel
Adding Dependents(s)
(same coverage as the insured)
$297
Extended Coverage
(8-month extension period to your individual 4-month)
$180

Extended coverage (eight (8) additional months to the initial four (4) months) is only available as part of the family coverage offer

Please complete and forward the Family Coverage form, along with the annual premium payment for you and your dependents to student@majorplan.ca by the end of the amendment period.

Family Coverage

Coverage Offered by

Heath and dental: Assumption Life
Accidents and travel: AIG Insurance Company of Canada

 

 

Coverage

The coverage period is for four (4) consecutive months and the effective date of the insurance is linked to the course enrolment date.

Plan coverage allows for supplementary health, dental, accident and travel coverage. Note that prescription drug coverage is not included in your plan and does not replace the prescription drug insurance coverage required by the Quebec government

Health Care Dental Care Vision Travel


Health Care

The Supplementary Health coverage provided by your student association’s plan covers several health care services not covered by Régie de l’assurance maladie du Québec.

The policy number for health care claims is: 66706

Note that drug coverage is not included in the plan.

Student coverage does not replace the prescription drug coverage now required by the Quebec government. Additionally, international students must be enrolled in a prescription drug insurance plan.

Keeping your Major Plan coverage will allow you to benefit from discounts and preferential rates from partners such as Clinique Virtuelle, Énergie Cardio, Nautilus Plus and many others. Visit the Rebate Network section of our website for more details.

Rebate Network

Information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional.Your claim must be received by Plan Major’s claims department no later than 365 days after the date you received the service.


Dental Care

Thanks to coverage from your Student Plan, you may receive up to $750 in dental care reimbursements per coverage.

The policy number for dental claims is: 66706
For claims made directly from the dentist’s office, you may need to provide the alphanumeric identifier AUTOBEN 628151.

It is important you obtain a treatment plan from your dental care provider in order to determine eligible coverage, particularly if the cost of the procedure exceeds $200.

Keeping your Major Plan coverage will allow you to benefit from discounts and preferential rates from Centres Dentaires Lapointe. Visit the Rebate Network section of our website for more details.

Eligible costs are as determined by the Dental Association of the Canadian province where the insured individual resides (generalist rate). Information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Plan Major’s claims department no later than 365 days after the date you received the service.


Vision

Vision coverage provides you with eye exams at a reduced cost and reduces the cost of prescription eyeglasses or contact lenses. The plan also covers laser vision surgery.

The policy number for Vision claims is: 13439

You can benefit from additional savings through our partnership with IRIS The Visual Group. Details are available in the Network Rebate section. When signing up for the IRIS Advantage program, use your permanent code when prompted for a member number.


Travel Insurance

The Travel component of the Plan offers coverage for medical emergencies abroad and travel cancellations up to $5 million.

Your policy number for Travel claims is: 9426277-001

To submit a Travel insurance claim, contact AIG Insurance Company of Canade (AIG) directly at 1-877-207-5018. Coverage is valid for trips up to 180 consecutive days. In addition, travel must take place during the current coverage period.

Coverage is valid for trips up to 180 consecutive days. In addition, travel must take place during the current coverage period.

The Travel Passport is a reference to keep on hand when travelling. It provides easy access to important numbers in the event of an incident.

Travel Passport

Travel Coverage

Please note that students aged 70 and over are not covered by travel insurance. If you have any questions regarding travel coverage, please contact a Major Plan Client Services representative.

Coverage offered by

Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada

 

Claims 101

There are several ways to submit a claim. Claims can be submitted by email, directly with a professional, through the mobile app or web portal, by fax, or by mail.

When making claims, it is important to provide your name, your TELUQ student number and your policy/group number. Additionally, by providing a void cheque you will receive your payment much more quickly

Claims are processed within six (6) business days of document receipt.

For travel claims, please contact AIG directly at 1 877 207-5018.

You also have the option of submitting a claim directly from the dentist’s office by filling out a dental claim form, available on the Major Plan website, or at your dentist’s office. The AUTOBEN 628151 alphanumeric identifier, policy/group number and TELUQ student number must be provided to the professional when the form is being filled out.

Since it is possible that you are covered by another insurance plan, your association offers you a supplemental insurance plan that allows the coordination of benefits for which you are eligible. Coordination of benefits allows you to combine the benefits and services from your student plan with those received from your parents’, your spouse’s, or your employer’s plan. It is important to confirm existence of other coverages, and to compare them.

 

Health and Dental Claims

There are several ways to submit a claim. Claims can be submitted by email, directly with a professional, through the mobile app or web portal, by fax, or by mail.

Email

To submit a claim by email, scan or take a picture of your invoice (dental or paramedical) using your smartphone, and email it to reclamation@planmajor.ca.
Your name, student code, your policy number must be included at the top of the email, as well as a void cheque.

Directly from the Health Care Professional

Dental offices may submit a dental claim form directly if requested. The amount of the bill could be reduced immediately, depending on the terms of the coverage. The AUTOBEN 628151 alphanumeric identifier, policy/group number and TELUQ student number must be provided to the professional when the form is being filled out.

Mobile App and Web Portal

Claims can be submitted through our mobile app and web portal. Submission of claims and uploading of receipts can be done directly from your profile. In addition, we highly recommend that you provide your banking information under “Direct Deposit” if you wish to receive your reimbursement more quickly.
You will be prompted to create an ID using your certificate number (TELUQ student number), policy/group number, date of birth and postal code noted in your academic file.

Web PortalGoogle PlayApple Store

Fax and Mail

Submit your claims by providing copies of your health care receipts and/or claim form by fax, or mailing them to the following address:

Major Plan–Claims Services
763 boulevard St. Joseph
Gatineau, QC, J8Y 4B7

Fax: 1-819-205-0714

Please ensure that your name, your TELUQ student number provided by your educational institution, as well as your policy/group number are included in all your correspondence with us. Please note: in order to expedite the repayment of your claims, it is highly recommended that you send us a void cheque.

Travel Claims

To submit a claim travel insurance, please contact the AIG Insurance Company of Canada (AIG) directly.

For travel claims, please contact AIG directly at 1 877 207-5018.

Please ensure that your name, your ATELUQ student number provided and your policy/group number are included in all your correspondence with AIG.

Coordination of Benefits

Since it is possible that you are already covered by another insurance plan, your association offers you a supplemental insurance plan that allows the coordination of benefits for which you are eligible. Coordination of benefits allows you to combine the benefits and services from your student plan with those received from your parents’, your spouse’s, or your employer’s plan. It is important to confirm existence of other coverages and to compare them. Claims for reimbursement can be made to multiple plans, however, the total sums received under all claims may not exceed 100% of the costs incurred. For this reason, it is important to determine the order in which claims should be submitted to your various group plans in order to coordinate benefits.

The order in which claims are submitted to multiple group plans is determined by your coverage type.

  • Policy holder: your employers’ or student association’s plan.
  • Dependent and Spouse: your parents’ or your spouse’s employers’ plan.
  • Coordination with Your Employer’s Plan

    The procedure to coordinate your student association’s plan with your employer’s plan is as follows:

    1. Submit your health or dental claim to your employer’s plan’s insurance company, making sure to keep a copy of the receipts if submitting by mail.
    2. Once the claim is processed, you will receive a “Statement of Benefits” from your employer’s insurance company.
    3. Submit your claim to Major Plan along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. Major Plan will send you the eligible amount, and the second “Statement of Benefits” will be available for download from the web portal.

  • Coordination with Your Parents’ or Spouse’s Plan

    The procedure to coordinate your student association’s plan with your parents’ or spouse’s plan is as follows:

    1. Submit your health or dental claim to Major Plan, making sure to keep a copy of the receipts if submitting by mail.
    2. Once the claim is processed, download the “Statement of Benefits” from the Major Plan web portal.
    3. Submit your claim to your parents’ or spouse’s plan’s insurance company along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. Your parents’ or spouse’s insurance company will send you the eligible amount along with a second “Statement of Benefits.”

  • Coordination with Two (2) Student Supplemental Plans

    You may be studying in two (2) educational institutions and benefit from a supplemental insurance plan for both. If this is the case, the procedure to coordinate both of your student association’s plans may vary according to your student status (full-time or part-time). Full-time or part-time student status is established by your educational institution.

     

    If you have FULL-TIME student status with one of your educational institutions, and PART-TIME status with the other:

    1. Submit your health or dental claim to the plan insurance company for the educational institution in which you have FULL-TIME student status, making sure to keep a copy of the receipts if submitting by mail.
    2. Once the claim is processed, you will receive a “Statement of Benefits” from this educational institution’s insurance company.
    3. Submit your claim to the plan insurance company for the educational institution in which you have PART-TIME student status along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. The above educational institution’s insurance company will send you the eligible amount along with a second “Statement of Benefits.

     

    If you have the same student status in all your educational institutions FULL-TIME/FULL-TIME ou PART-TIME/PART-TIME:

     

    When your student status is the same in both of your educational institutions, the order of precedence for the 1st payer is determined according to the coverage start date of the oldest plan.

    1. Submit your health or dental claim to the insurance company for the educational institution whose plan’s coverage start date is the oldest, making sure to keep a copy of the receipts if submitting by mail.
    2. Once the claim is processed, you will receive a “Statement of Benefits” from the educational institution’s plan insurance company.
    3. Submit your claim to your second plan’s insurance company along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
    4. The above insurance company will send you the eligible amount along with a second “Statement of Benefits.”

     

    If the precedence of the first payer cannot be established, your claim will be subject to a proration of the benefits, meaning that the benefits paid by the insurance plans are calculated according to the amount that would be paid by each plan if it was 1st payer. For more information, contact customer service.

     

    EXEMPLE : Eligible dental costs $70
    Plan A (Co-insurance 70%): Liability as 1st payer $49
    Plan B (Co-insurance 60%): Liability as 1st payer $42

    By adding the sums that would be paid by both plans as 1st payer, we get: $48 + $42 = $91 But the total sums received under both plans may not exceed the eligible costs of $70.

    Plan A (proration: $49 divided by $91 = 53.85%): Benefit paid $37.70

    Plan B (proration $42 divided by $91 = 46.15%): Benefit paid $32.30

  • Take Careful Note

    Since it is possible that you are covered by more than one insurance plan, it is important that you inform your insurance companies of this. The total sums received under all your plans for a given item, service received, or care claimed may not exceed 100% of the eligible costs. In some cases, the total sums received under all your plans may be lower than the costs incurred for a given item, service received, or care claimed.

    Failure to provide all the information required for the proper assessment of your file, whether intentional or not, may result in the termination of your coverage plan.

Student Assistance Program

The Major Plan Student Assistance Program (SAP) provides all members of the student association, whether they are enrolled in the benefit plan or not, with access to a 24/7 support centre.

For support and guidance, call the toll-free number.

24/7 support centre      1 877 418-1537

Service is confidential. When speaking with SAP operators, you will be asked to provide your name, student code and the name of your student association.

For more information, or if you encounter any issues, do not hesitate to contact the Major Plan team.

Download the Lifeworks app to access various support tools, a resource centre, online counselling and more.

Google Play Apple Store

The program provides professional support and advice to help you maintain a healthy balance between school, work and everything else in your life.

  • Life

    Student life, legal issues, interpersonal relationships, disabilities, stress management, crisis situation.

  • Health

    Mental health, addiction, fitness, diet, sleep, smoking cessation.

  • Family

    Couples, parenting, divorce, separation, elderly parents.

  • Finances

    Saving, investing, debt management, tenants’ rights, major purchases.

  • Work

    Professional relationships, work-related stress, career development, personnel management.

 

Telemedecine

Telemedicine is a virtual health care service offered to AETELUQ members. It allows members to communicate securely with a health care professional by messenger, video or audio chat, without having to visit the doctor’s office. The service is available 24 hours a day, 7 days a week.

By enrolling in the Major Plan Supplemental Group Insurance, you will automatically have access to the Telemedicine service.

You will have quick and easy access to family medicine, nutrition, mental health and naturopathy services. In addition, physicians and nurse practitioners are authorized to make diagnoses, renew prescriptions, request tests, and much more. By downloading the AKIRA mobile app, you will be able to take advantage of all the services offered by Telemedicine.

AKIRA

How Telemedicine Works

Creating Your Profile

In order to use these services, you must first create your profile.

1. Download the AKIRA mobile app.
2. Sign up on the application with your TELUQ email address.
3. Upload a picture of your health card and a screen shot of your student account statement to confirm your identity. For international students, proof of your medical coverage in lieu of the Canadian public plan may be required.

Talk to a Health Care Professional

1. Open the AKIRA application and start a conversation.
2. You will then be guided by a Care Coordinator.
3. Consult a physician or nurse practitioner (NP). You are allowed up to five (5) consultations per year.
4. You will receive a follow-up within 48 hours by the physician or NP, if necessary.

  • What Is an NP?

    Nurse practitioners (NP) are nurses that have clinical experience in a specific area, and who have taken advanced 2nd cycle [graduate] training in nursing sciences and medical sciences, allowing them to prescribe diagnostic tests and treatments, and conduct some invasive procedures.

  • How to Generate Your Account Status?

    1- On the MaTÉLUQ portal, click ‘’Administrative File’’
    2- Select ‘’My Files’’
    3- Under ‘’My Files’’, select the date of the most recent file to display, save or print it.

Family Coverage

AETELUQ student members can get family coverage for $15 a month. This family coverage provides access to unlimited consultations for all your children, and/or your spouse.

Resource Center

Below, you will find useful information such as coverage contracts, limitations, and the information management policy

Withdrawal

If you do not wish to take advantage of these benefits, you must withdraw from the plan during your course enrolment process, by unchecking the AÉTELUQ Group Insurance Benefit Premium on your invoice. It will appear before you complete the checkout process and before you pay your tuition fees. If it is left checked, there will be no subsequent opportunity to withdraw.

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