Association générale étudiante du Cégep de la Gaspésie et des Îles (AGECGÎ)
Details of paramedical and vision coverage
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.
Overall maximum of $500 / coverage
| Acupuncturist Chiropractor Osteopath Massage therapist Physical therapist Podiatrist |
$40 /visit, combined maximum of $400 /coverage | |
| Psychologist Psychotherapist Sexologist Social worker |
$40 /visit, combined maximum of $400/coverage | |
| Eye exam | $40 /12 consecutive months | |
| Prescription glasses Contact lenses |
$75 /24 consecutive months | |
Details of drug coverage
With drug coverage, you can reduce the cost of certain medications.
This student coverage does not replace the drug insurance required by the Government of Quebec. Please note that Plan Major is a secondary (2nd) payer for your drug coverage. You must first submit your claims to the RAMQ or another private insurance company.
| Drugs | Max. combined of $400 /coverage | |
| Contraceptives listed and not listed on the RAMQ (second payer) list (Oral contraceptives, hormone-releasing intrauterine devices, contraceptive injections, contraceptive rings, contraceptive patches, contraceptive implants) |
70% of costs
Generic drugs in addition to RAMQ, second payer: 70% |
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| Antidepressants listed and not listed on the RAMQ list (second payer) | 70% of costs
Generic drugs in addition to RAMQ, second payer: 70% |
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| Vaccines not covered by the RAMQ (excluding administration fees and allergy shots) |
70% of expenses, max. $100 / coverage | |
Details of extended health benefits
Thanks to your supplementary student plan coverage, you can take advantage of several health care services that are not covered by the Régie d’assurance maladie du Québec.
This student coverage does not replace the drug insurance required by the Government of Quebec.
By maintaining your Major Plan coverage, you can take advantage of special offers from our partners, such as Clinique Virtuelle, Énergie Cardio, and many others. Visit the Discount-Network section for more details.
| Additional fees | Max. combined of $500 /coverage | |
| Private room (hospitalization) | 70% of expenses, max. $60/day | |
| Ambulance (by land or air) | 70% of the costs | |
| X-rays and ultrasounds in private clinics (including maternity ultrasounds) | 70% of expenses, up to $250 /coverage | |
| Blood tests (including health checkups) | 70% of expenses, max. $150 /coverage | |
| Bra (following a mastectomy) | 70% of expenses, up to $200/coverage | |
| Custom-made orthopedic shoes Open, flared, or straight shoes (modification or adjustment) Foot orthotics Rigid or semi-rigid splints Hernia trusses and casts Medical corsets Artificial limbs (excluding myoelectric prostheses) Artificial eyes |
70% of expenses, combined maximum of $400 /coverage | |
| Hearing aids | 70% of expenses, max $500 /5-year period | |
| Hair prostheses (following chemotherapy) | 70% of expenses, maximum $200 lifetime | |
Details of dental coverage
Thanks to your student plan coverage, you could receive up to $500 in dental reimbursement per coverage. For claims made 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, especially if the cost of the procedures exceeds $200. Certain limitations may apply.
Save even more thanks to our partnership with Lapointe Dental Centers. With Plan Major coverage, enjoy discounts and preferential rates in our Network Discounts section!
Overall maximum of $500 /coverage
| Diagnostic and preventive care | ||
| Examination Cleaning X-ray Polishing |
75% of the costs | |
| Basic care | Max. combined of $400 / coverage ↓ | |
| Tooth extractions (including wisdom teeth) Root canal treatment Gum treatment Fillings (Composite (white) fillings are only covered for front teeth) |
75% of the costs | |
Details of accident insurance
Your plan’s accident insurance covers several situations, such as dental expenses and healthcare in the event of an accident. It also covers ambulance transportation costs and service fees for a chiropractor and physiotherapist.
Please note that for claims for care received as a result of an accident, accident coverage always applies secondarily.
| Benefits in the event of death or paralysis (following an accident) | ||
| Loss of life | 10 000 $ | |
| Paralysis (Quadriplegia, Paraplegia, Hemiplegia) | 20 000 $ | |
| Benefits in the event of mutilation (following an accident) | ||
| Loss of both hands or both feet | 10 000 $ | |
| Complete loss of vision in both eyes | 10 000 $ | |
| Loss of a Hand and Foot | 10 000 $ | |
| Loss of a foot and complete vision in one eye | 10 000 $ | |
| Loss of an Arm or Leg | 8 000 $ | |
| Loss of a Hand or Foot | 7 500 $ | |
| Complete loss of vision in one eye | 7 500 $ | |
| Loss of the thumb and index finger of the same hand | 3 333 $ | |
| Loss of Speech and Hearing | 10 000 $ | |
| Loss of Speech or Hearing | 7 500 $ | |
| Hearing loss in one ear | 6 667 $ | |
| Loss of Four Fingers on One Hand | 3 333 $ | |
| Loss of all toes on one foot | 2 500 $ | |
| Loss of use of both arms or both hands | 10 000 $ | |
| Loss of Use of a Hand or Foot | 7 500 $ | |
| Loss of Use of an Arm or Leg | 8 000 $ | |
| Benefits for educational expenses (following an accident) | ||
| Services of a qualified teacher (recognized by the Department of Education) | $20 per hour, max. $300 per accident | |
| Institutional fee benefit (including internship and training fees) | 50% of the costs, up to $500 per session | |
| Benefits related to the reimbursement of paramedical expenses (following an accident) | Max. 10 000 $ / accident | |
| Private nursing services | $50 per hour, max. $5,000 per accident | |
| Ambulance transport | 5 000 $ / accident | |
| Semi-private room (Hospitalization) | 5 000 $ / accident | |
| Physical therapist | 300 $ / accident | |
| Chiropractor | 300 $ / accident | |
| Cost of renting a wheelchair and an iron lung | 100% des frais | |
| Hearing aids Crutches Splints Castings Neck braces Orthopedic supports |
100% des frais | |
| Benefits related to dental care expenses in the event of an accident | ||
| Dental expenses incurred for therapeutic purposes | 100% des frais, max. 5 000 $ / accident | |
| Age limit | 85 ans ou moins | |
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?
Firstly, it is important to submit claims to your supplementary health insurance plan (if certain treatments are covered) before submitting a claim to your accident insurance. The Plan Major team is available to assist you with coordinating your benefits. Contact us at student@majorplan.ca.
You can then submit your claim by contacting Zurich directly at zurichGroup@crawco.ca.
Details of travel insurance
With this plan, you are covered for medical emergencies abroad and trip cancellations up to $5 million. Your coverage plan covers trips lasting up to 180 consecutive days. In addition, trips must take place during the current coverage period.
Your travel passport
The travel passport is an essential document to have when traveling. It provides access to important numbers in case of an incident. (passport available soon)
Lifetime maximum of $5,000,000
| Emergency hospitalization (outside the province of residence) – Semi-private room – Services and supplies provided |
100% of expenses (reasonable and customary expenses) |
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| Emergency transportation (Ground / Air / Family) | 20 000 $ /500 000 $ / 15 000 $ | |
| Cancellation / Trip interruption | 5 000 $ | |
| Identification guarantee | 5 000 $ | |
| Meals and lodging | $3,000 ($150 per day) | |
| Transportation to the bedside of the hospitalized person | Round trip in economy class | |
| Return of the traveling companion | 10 000 $ | |
| Return accompanied by dependent minor children | 5 000 $ | |
| Vehicle return | 5 000 $ | |
| MRI medical services (diagnostics) | 7 500 $ | |
| Dental accidents | 5 000 $ | |
| Nursing care | Max. $50 per shift | |
| Services of a physician or surgeon (duly qualified) Medications (prescribed by a physician or qualified surgeon) Services of an anesthesiologist (duly qualified) Outpatient services (provided by a hospital) |
100% of expenses (reasonable and customary expenses) |
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| Crutches Hospital beds Splints Canes Sling sleeves Bandages Orthopedic devices Other prostheses approved by the insurer |
100% of expenses – Purchase or rental (reasonable and customary expenses) |
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| Chiropodist 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 trip duration | 180 days | |
Has something unexpected happened during your trip?
Zurich 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): 1 877-541-0127; Elsewhere in the world (collect call) 1 416-649-2555
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.
Your virtual card
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Certificate Number:Student ID number
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Health/Dental Group Number:63184
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Digital ID at the dentist:Telus Adjudicare / Autoben
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Digital ID in pharmacies:Telus Assure 34
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Accident Group Number:8452346
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Travel Group Number:8452371
