You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $22/month, you can benefit from an advantageous coverage, in addition to a host of discounts and preferential rates from our Discount Network discount partners.
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 that you consider the option to combine benefits before your withdrawal. For more information on the coordination of benefits, please refer to the Claims 101 section.
AGEHCUQTR provides you with extended health insurance, dental and eye care, as well as accident and travel insurance.
Plan Enrollment Important Numbers Coverage Amendment and Withdrawal Period Family Coverage International Students
The insurance premium is included in your tuition invoice. It is billed into two installments: the first in the Fall semester, and the second in the Winter semester. All academic fees for the current semester must be paid before you can receive reimbursement.
Dental | Health, Accident and Travel | Health, Dental, Accident and Travel | |
---|---|---|---|
Fall Sept 1st to Dec 31st |
$59 | $28 | $87 |
Winter Jan 1st to Aug 31st |
$110 | $58 | $168 |
Annual Individual Total | $169 | $86 | $255 |
If applicable, fees include premiums, administration fees, commissions, withholdings, and taxes that may apply to the plan.
Here are some important numbers pertaining to your plan.
Any change to your plan, whether withdrawal, the addition of dependents (children), or amendment to coverage options, must be made during the amendment period. This period is between August 15th and September 30th for students enrolled in the Fall semester; for students enrolled in the Winter session, this period takes place between January 1st and January 31st.
You may already be covered under another benefit plan. It is important to check your coverage, compare it with this plan, and consider coordination of benefits before withdrawing. Please note it is not possible to withdraw only from some components of the plan
Amendment and Withdrawal Period:
Fall 2022: August 15th to September 30th
Winter 2023 – January 1st to January 31st
In the event of a withdrawal, the Major Plan will reimburse the amount of your plan membership after the end of the withdrawal period.
A student registered in the winter semester, regardless of whether he or she chooses to retain, modify or withdraw in the winter, will have to make the modification or withdrawal again the following fall. Similarly, the steps to add dependents must be done again.
During the amendment period, you may extend the plan’s coverage to your children, providing an affordable family plan.
To do so, please complete and forward the Family Coverage form, along with the annual fees for your dependents before the end of the amendment period.
Dental | Health, Accident and Travel | Health, Dental, Accident and Travel | |
---|---|---|---|
Adding Dependents(s) (same coverage as the insured) |
N/A | N/A | $255 / child |
International students are automatically enrolled in the supplementary dental component of the Major Plan. During the amendment period, you may add health coverage. To do so, you must forward the International Health Coverage form, along with the annual fees, directly to Major Plan during the plan’s amendment and withdrawal period.
International students may also opt-out of the dental component during the plan amendment and withdrawal period. This can be done through your student association portal.
International students may also extend coverage to their children. Their coverage will be identical to yours. To do so, you must forward the Family Coverage form, along with the annual fees, for both you and your dependents before the end of the amendment period.
Health coverage for international students
Heath & dental: Self-insured
Accidents & travel: AIG Insurance Company of Canada
The coverage period is divided into two periods: September 1, 2022, to August 31, 2023. In order to be eligible for both, you must maintain your student status and student association membership for both.
Fall: September 1 to December 31
Winter: January 1 to August 31
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 Accident Travel
All the details of the 2021-2022 coverage right here → 2021-2022 Coverage
Here are the details for the 2022-2023 coverage that will be active starting September 1st, 2022
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 policy number for health care claims is: 13499
Note that prescription drug 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 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 claims department no later than 365 days after the date you received the service.
Thanks to coverage from your Student Plan, you may receive up to $500 in dental care reimbursements per coverage period.
The policy number for dental claims is: 13499
For claims made directly from the dentist’s office, you may need to provide the digital ID number 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 claims department no later than 365 days after the date you received the service.
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: 13499
You can benefit from additional savings through our partnership with IRIS The Visual Group. Details are available in the Discount Network section. When signing up for the IRIS Advantage program, use your permanent code when prompted for a member number.
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 policy number for Accident claims is: SRG 914 0579-002
What constitutes an accident?
An accident is defined as an unintentional and unplanned event caused by an external source.
Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.
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 to AIG in a second. However, the Major Plan team remains available to help you with the coordination of the benefits process.
Your policy number for Accident claims is: SRG 914 0579-002
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.
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: 9426277-012
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.
Heath & dental: Self-insured
Accidents & travel: AIG Insurance Company of Canada
The coverage period was from September 1, 2021, to August 31, 2022.
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
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 claims department no later than 365 days after the date you received the service.
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 claims department no later than 365 days after the date you received the service.
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 claims department no later than 365 days after the date you received the service.
Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.
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 to AIG first. However, the Major Plan team remains available to help you with the coordination of the benefits process.
Your policy number for Accident claims is: SRG 914 0579-002
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.
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.
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, permanent code and your policy/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 digital ID number TELUS ADJUDICARE 34 / AUTOBEN, policy/group number, and permanent code must be provided to the professional when the form is being filled out.
When your tuiton fees have been fully paid, you will be able to submit your claims retroactively. Your request for reimbursement must be received by Plan Major’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.
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 policy number must be included at the top of the email, as well as a void cheque.
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 digital ID number TELUS ADJUDICARE 34 / AUTOBEN, policy/group number, and permanent code must be provided to the professional when the form is being filled out.
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 (permanent code), policy/group number, date of birth, and postal code noted in your academic file.
Web PortalGoogle PlayApple Store
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 permanent code 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.
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 permanent code provided, and your policy/group number are included in all your correspondence with AIG.
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.
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.
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.”
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 combine 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
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.
The assistance program 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.
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.
Register for the Telus Health 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 13499 as well as your personal login that corresponds to your Permanent code.
Enter the email address you wish to use to set up your account.
Enter your province.
Select “I am eligible as a student”.
Select “I will use my group number”.
Enter your group number: 13499
Enter your coverage identifier: Permanent code
Click on “Email me my activation link”. Then click on the link sent to your email address and complete your registration.
Below, you will find useful information such as coverage contracts, limitations, and the information management policy.
Heath and dental: Self-insured
Accidents and travel: AIG Insurance Company of Canada
Enrollment 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.
Withdrawal options:
Annual withdrawal–Annual withdrawal allows temporarily withdrawal from the plan for the current year. At the beginning of the following year, coverage is automatically reinstated, so you will have the opportunity to choose between maintaining the plan or withdrawing again during the plan’s amendment and withdrawal period.
Permanent withdrawal–Permanent withdrawal permanently withdraws you from the plan for the duration of your academic career. As a result, it will not be necessary to withdraw every year, but coverage will not be reinstated, except under certain conditions.
Amendment and Withdrawal Period:
Fall 2022: August 15th to September 30th
Winter 2023 – January 1st to January 31st
The withdrawal request must be made within the prescribed time frame. You will have no other opportunity to exercise your opt-out option.
To opt-out of the Supplementary Insurance Plan, please go directly to your institution’s student portal.