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Your plan from AGECU - Continuing education
The Plan
You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $7/month you can benefit from an advantageous coverage, in addition to a host of discounts and preferential rates from discount partners with our Discount Network.
However, if you do not wish to take advantage of these benefits, you may opt-out of the plan during the coverage amendment and withdrawal period. You may already be covered by another insurance plan, so it is important that you confirm your coverages, compare them, and consider the option to combine benefits before your withdrawal. For more information on the coordination of benefits, please refer to the Claims 101 section.
AGECU provides you with extended health insurance, dental, as well as accident and travel insurance.
Plan Enrollment Important Numbers Travel Assistance Coverage Amendment and Withdrawal Period Family Coverage
Plan Enrollment
The plan enrollment fees are included in your tuition invoice. All fees must be paid before you can receive a refund. Please note that you have one (1) change/withdrawal period per coverage. Your coverage will become active on the 1st day of the month following billing.
| Health, Dental, Accident and Travel | Coverage activation | |
|---|---|---|
| 12 months coverage | $88 | 1st day of the month following billing |
If applicable, fees include premiums, administration fees, commissions, withholdings, and taxes that may apply to the plan.
Important Numbers
Here are some important numbers pertaining to your plan.
Travel Assistance
Here is the phone number to contact for travel insurance assistance.
Travel Insurance Assistance: 1-877-207-5018
Coverage Amendment and Withdrawal Period
All changes to your plan, either to opt out or to add dependents, must be made during the amendment period. This period runs from the 5th to the 25th day of the month following institutional billing.
As an example* A student who paid their institutional invoice on August 1 will be able to modify their coverage between September 5 and 25. After this period, it will no longer be possible to modify the coverage. You have one (1) amendment and withdrawal period per 12-month period.
Your coverage will be activated on the 1st day of the month following billing.
Since you may already be covered by another insurance plan, it’s important to validate your coverage, compare them and consider the coordination of benefits option before making your withdrawal. Furthermore, it is not possible to partially withdraw from the plan.
In the event of withdrawal, Major Plan will reimburse you for the amount of your contribution to the plan.
Family Coverage
During the amendment period, you may extend the plan’s coverage to your child(ren) or spouse, providing an affordable family plan.
To do so, please complete and forward the Family Coverage (form available during the modification period) for your dependents before the end of the modification period. Our team will then analyze the application received and contact you within 5 business days. Wait for the confirmation of a member of our team to know the amount of the contribution to be paid as well as the payment terms.
| Health, Dental, Accident and Travel | |
|---|---|
| Adding dependents(s) (same coverage as the insured) |
$88 / person |
Coverage Offered by
Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada
Coverage
Coverage PeriodHealth Care Dental Care Accident Travel
Coverage Period
Coverage is for 12 consecutive months. Eligibility is conditional on maintaining student status and student association membership.
Your plan’s coverage will provide you with extended health, dental, accident and travel benefits. Please note that the drug coverage does not replace the drug insurance required by the Quebec government.
Health Care
The Supplementary Health coverage provided by your student association’s plan covers several health care services not covered by the government of Québec (Régie de l’assurance maladie du Québec).
The groupe number for health care claims is: 56028
Student coverage does not replace the prescription drug coverage now required by the Quebec government.
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 Discount Network section of our website for more details.
The 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 Major Plan’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 $400 in dental care reimbursements per coverage period.
The group number for dental claims is: 56028
For claims made directly from the dentist’s office, you may need to provide the alphanumeric identifier TELUS ADJUDICARE 34 / AUTOBEN.
It is important you obtain a treatment plan from your dental care provider in order to determine coverage eligibility, 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 Discount 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). The 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 Major Plan’s claims department no later than 365 days after the date you received the service.
Accident Insurance
Maintaining your student plan coverage means you’ll benefit from affordable coverage in case of an accident.
Accident insurance under your plan provides benefits covering a wide range of situations, such as dental costs stemming from an accident, and health care costs.
Accident insurance also covers the costs of hospitalization, chiropractor, and physiotherapist services, allowing you to devote your energy to recovering from the accident.
Your group number for Accident claims is: SRG 914 0579-009
What constitutes an accident?
An accident is defined as an unintentional and unplanned event caused by an external source.
Compensation in Case of Accidental Death and Dismemberment (AD&D)
Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.
Accident Insurance Claim
To submit a claim, please contact the AIG Insurance Company of Canada directly at 1-877-317-8060 or AHClaimscan@aig.com.
You can also contact our customer service department at 1-877-976-2567.
If your other insurance plan includes dental trauma coverage or other supplementary health care coverage, you must submit your claim with your other plan before submitting it to AIG. However, the Major Plan team remains available to help you with the coordination of benefits process.
Your group number for Accident claims is: SRG 914 0579-009
Please note: Deadlines apply for submitting a claim.
| Time Between the Accident and Resulting Injury or Loss | Maximum Time Before First Reimbursement | |
|---|---|---|
| Death and Dismemberment | No more than 365 days after the accident | |
| Assessment fees, Paramedical fees, and Accident-related Dental | No more than 30 days
after the accident |
Within 52 weeks of the accident that caused the injury |
Please note that you have 90 days to submit a notice of claim after death, loss of sensation, loss of limb, or total or partial paralysis.
Travel Insurance
The Travel component of the Plan offers coverage for medical emergencies abroad and travel cancellations up to $5 million.
Your group number for Travel claims is: 9426277-021
To submit a Travel insurance claim, contact AIG Insurance Company of Canada (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 traveling. It provides easy access to important numbers in the event of an incident.
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
Please note that you will be able to create your profile on the mobile application and web portal only after the amendment and withdrawal period ends.
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, student code and your group number. Additionally, by providing your direct deposit information, you will receive your payment much faster.
Claims will be processed after the amendment and withdrawal period ends. Claims are processed within six (6) business days of document receipt.
For travel claims, please contact AIG directly at 1 877 207-5018. For accident claims, please contact 1-877-317-8060.
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 TELUS ADJUDICARE 34 / AUTOBEN alphanumeric identifier, policy/group number, and student number must be provided to the professional when the form is being filled out.
When your tuition fees have been fully paid, you will be able to submit your claims retroactively. Your request for reimbursement must be received by Major Plan’s claims department no later than 365 days after the date you received the service. It is also not recommended to wait this long to submit your claims.
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 the 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.
To submit a claim by email, scan or take a picture of your invoice (dental or paramedical) using your smartphone, and email it to claim@majorplan.ca.
Your name, student code, your group 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 TELUS ADJUDICARE 34 / AUTOBEN alphanumeric identifier, group number, and 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 (student number), 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
CP 70025 SUCC QUÉBEC-CENTRE,
Québec, QC, G2J 0A1
Fax: 1-819-205-0714
Please ensure that your name, your student number provided by your educational institution, as well as your 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.
Watch the video to learn how to make a claim ↓
Accident and Travel Claims
To submit a claim for accident and travel insurance, please contact the AIG Insurance Company of Canada (AIG) directly. It should be noted that there are two separate phone numbers to join them depending on whether you make an accident or travel claim.
For travel claims, please contact AIG directly at 1 877 207-5018.
For accident claims, please contact 1-877-317-8060.
Please ensure that your name, your 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 the 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.
- Policyholder: your employers’ or student association’s plan.
- Dependent and Spouse: your parents’ or your spouse’s employers’ plan.
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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 submitted 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 submitted 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 or 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.
EXAMPLE: 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
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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 cove
Telemedicine
Telemedicine is a healthcare service offered to all members of the AGECU. The members can communicate safely with a healthcare professional 24/7 without having to go to the doctor’s office. It is possible to talk over the phone, by video conference, or use the chat.
You will have easy and quick access to specialists that practice different disciplines. They will answer your different healthcare needs. Furthermore, the doctors and other specialists are authorized to give diagnostics, renew prescriptions, do lab tests, and more. To benefit from this service, you must go on the Telus Health portal and create your profile using your group number (56028) and certificate number, which is your student ID number. Then, connect yourself to the Telus Health platform to start a conversation with a member of our healthcare team. You have 3 free consultations by academic years.
Talk to a professional
Download the mobile application ! Google playApple Store
Q & A
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How do I create my account?
1- Visit the Telus health portal at virtualcare.telushealth.com/welcome. or download the Telus Health mobile app
2- Use your group number (56028) and certificate number (student ID number) to create your account
3- You can start a free consultation -
How many consultations do I have access to?
The members that kept the group insurance plan have access to 3 consultations by the academic year. Then, it costs 50$ per consultation.
What is considered a consultation?
A consultation is defined as a videoconference or a phone call with a doctor or a specialized nurse after making an appointment on the Telus Health platform.
Student Assistance Program
Offered Services Emergency Help LineTelus Health Web Portal and Mobile AppHow to Activate your Account?
The primary function of the Assistance Program is to provide psychological support to all students.
The Student Assitance Program (SAP) offers access to a 24/7 support center. The LifeJourney™ service by Telus Health offers several consultation services and professional interventions focused on short-term problem-solving. Please do not hesitate to contact our team at 1 877-976-2567 if you have any questions regarding this service.
Offered Services
Emergency Help Line
Contact the helpline at 1-855-636-6846 for immediate assistance in an emergency. The Care Ambassador or clinician will assist you and direct you to the appropriate care.
Telus Health Web Portal and Mobile App
Register for the Telus Health Virtual Care web portal and mobile app to access a variety of support tools, a resource center, online consultations, and more. When you first log in, use your group number 56028 as well as your personal login that corresponds to your student ID number.
Download the mobile application! Google playApple Store
How to Activate your Account?
Step 1
Enter the email address you wish to use to set up your account.
Step 2
Enter your province.
Step 3
Select “I am eligible as a student”.
Step 4
Select “I will use my group number”.
Step 5
Enter your group number: 56028
Enter your coverage identifier: Student ID Number
Step 6
Click on “Email me my activation link”. Then click on the link sent to your email address and complete your registration.
Forms and other documentation
Below, you will find useful information such as coverage contracts, limitations, and the information management policy.
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Forms
Family Coverage (only avalaible during de withdrawal period)
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Coverage Contracts
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Limitations and exclusions
Health and Dental – coming soon
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Travel and Accident
Travel Passeport – coming soon
INFO-Accident – coming soon
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Student Assistance Program
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Coverage offered by
Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada
Withdrawal
Types of Withdrawal Withdrawal Period Request for Withdrawal
Enrolment in the student supplemental group insurance plan is automatic, however, you may opt-out, free of charge, during the plan’s amendment and withdrawal period.
Types of Withdrawal
The annual withdrawal allows you to be temporarily withdrawn from the plan during 12 consecutive months. However, you will be reinstated automatically at the beginning of the next year. As a result, you will have to withdraw again, if you wish to do so, during the plan’s amendment and withdrawal period. It is not possible to withdraw only from some components of the plan.
Amendment and Withdrawal Period
The withdrawal period runs from the 5th to the 25th day of the month following the first invoice.
The amount of your premium will be refunded to you by Major Plan after the end of the withdrawal period.
Request for Withdrawal
The withdrawal request must be made within the prescribed time frame. You will have no other opportunity to exercise your opt-out option. To withdraw from the supplementary insurance plan, please complete and forward the Web-based form below. An email confirmation will be sent once the application has been successfully saved. Keep this email as proof of withdrawal.