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Your plan from FEUS

The Plan

Please note that it is not necessary to create an account on the web portal to withdraw. Simply click on the Withdrawal tab and fill out the form. Furthermore, it will be possible to create your profile on the mobile application and the web portal only after the end of the amendment and withdrawal period.

You are automatically enrolled in a student supplemental group insurance plan through your student association.  Your plan allows you to 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 consider the option to combine benefits before your withdrawal. For more information on the coordination of benefits, please refer to the Claims 101 section.

FEUS provides you with extended health insurance, vision, dental as well as accident, fracture and travel insurance. In addition, you will have access to roadside, identity theft and pet assistance.

Plan Enrollment Important Numbers Travel Assistance Coverage Amendment and Withdrawal Period Family Coverage International Students


Plan Enrollment

The insurance premium is included in your tuition invoice. It is billed in two installments: the first in the Fall Semester, and the second in the Winter Semester. All academic fees for the current session must be paid before you can receive reimbursement.

Dental* Health** Dental & Health***
Fall
Sept 1st to Dec 31st
65 $ 84 $ 149 $
Winter
Jan 1st to Aug 31st
95 $ 109 $ 204 $
Annual Individual Total 160 $ 193 $ 353 $

*Dental includes dental coverage only.

**Health includes paramedical, eye care, extended health care, fracture insurance, accident coverage, travel coverage, identity theft assistance, pet assistance, roadside assistance, and the Student Assistance Program.

***Dental & Health includes dental care, paramedical care, eye care, extended health care, fracture insurance, accident coverage, travel coverage, identity theft assistance, pet assistance, roadside assistance, and the Student Assistance Program.

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.

* The health/dental group number is the group number to use when creating your account for the web portal and/or the Major mobile app.


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

Any change to your plan, whether withdrawal, the addition of dependents (children and/or spouse), or amendment to coverage options, must be made during the amendment period. This period is between September 15 and October 15 for students enrolled in the Fall semester; for students enrolled in the Winter Semester, this period takes place between January 15 and February 15.

Amendment and Withdrawal Period:

Fall Semester: September 15th to October  15th

Winter Semester: January 15th  to February 15th

In the event of a withdrawal, the institution will credit you with the amount of your contribution to the plan on your institutional invoice.

  • Students enrolled in the Winter semester

    A student registered in the Winter semester, regardless of whether they choose to retain, amend or withdraw in the winter, will have to make the amendment or withdrawal again the following Fall semester. Similarly, the steps to add dependents must be done again.

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.


Family Coverage

During the amendment period, you may extend the plan’s coverage to your children or partner, 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.

(The form will be available during the amendment and withdrawal period.)

Dental & Health***
Adding children
(same coverage as the insured)
$353/child
Adding your partner
(same coverage as the insured)
$353/person

***Dental & Health includes dental care, paramedical care, eye care, extended health care, fracture insurance, accident coverage, travel coverage, identity theft assistance, pet assistance, roadside assistance, and the Student Assistance Program.


International Students

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 the Withdrawal section of the website.

International students may also extend coverage to their children or partner. 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.

The form will be available during the amendment and withdrawal period.

 

Coverage Offered by

Complementary health, dental, fracture insurance, and roadside assistance: Humania 
Accidents and Travel: AIG Insurance Company of Canada
Identity theft assistance and pet assistance: FBA Solutions 

 

Coverage

The coverage period is from September 1, 2022, to August 31, 2023. It is divided into two periods. 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, 2022
Winter: January 1 to August 31, 2023

Plan coverage allows for supplementary health, dental, fracture, 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 Vision Dental Care The Fracture Accident Travel Roadside Assistance Identity Theft Pet Assistance


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 policy number for health care claims is: 58838

Note that prescription 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 Discount Network section of our website for more details.

(full coverage available soon)

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.

Discount Network


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: 58838

(full coverage available soon)

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.


Dental Care

Thanks to coverage from your Student Plan, you may receive up to $1000 in dental care reimbursements per coverage period.

The policy number for dental claims is: 58838

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.

(full coverage available soon)

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.


Fracture Insurance

Thanks to the coverage of your complementary student plan, you benefit from the Fracture Insurance. You can receive up to $1000 in the event of a fracture resulting from an accident. In addition, benefits are payable in addition to any other insurance held by an insurer or a government plan.

Your policy number for Fracture claims is: 58838

(full coverage available soon)

 


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 policy number for Accident claims is: SRG 9140579-030

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.

 

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 process of benefit coordination.

Your policy number for Accident claims is: SRG 9140579-030

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 fees 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 policy number for Travel claims is: 9426277-033

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.

 

Travel Passport

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.


Roadside Assistance

Plan Major’s Roadside Assistance Program is designed specifically to help you in the event of a roadside emergency or unexpected mechanical breakdown.

This service is available: – 24 hours a day, 7 days a week; – Throughout Canada and the continental United States;

More details soon!


Identity Theft

The number of identity theft victims continues to grow and dealing with it is a real headache. With identity theft assistance, you have access to identity theft experts and attorneys who will answer all your questions over the phone. Your case will be handled by a professional, allowing for identity restoration and reporting of fraud to financial authorities

More details coming soon!


Pet Assistance

For many people, their four-legged pets are an integral part of the family. To save dog and cat owners a lot of trouble, the Pet Assistance Hotline allows you to get support from a team of veterinarians and veterinary technicians on a wide range of issues. This telephone service is available 365 days a year, from 7 am to 10 pm. The team members will give you valuable advice on your pet’s health and behavior. The service also includes a pet concierge service.

More details soon!

Coverage offered by

Complementary health, dental, fracture insurance, and roadside assistance: Humania 
Accidents and Travel: AIG Insurance Company of Canada
Identity theft assistance and pet assistance: FBA Solutions 

 

 

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, permanent code and your policy/group number. Additionally, by providing your direct deposit information, you will receive your payment much more quickly

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 permanent code must be provided to the professional when the form is being filled out.

Claims will be processed after the amendment and withdrawal period ends. Claims are processed within six (6) business days of document receipt.

Since you may be covered by another insurance plan, your association offers you a supplemental insurance plan that allows the combination 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.

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 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.

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, policy/group number, and student ID 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 (permanent code), policy/group number, date of birth, and postal code noted in your academic file.

Web PortalGoogle PlayApple Store

Note that it will be possible to register on the mobile application as soon as the amendment period ends.

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 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.

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 permanent code provided, and your policy/group number are included in all your correspondence with AIG.

Coordination of Benefits

Since you may be 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 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.
  • 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

  • Take Careful Note

    Since you may be covered by more than one insurance plan, it is important that you inform your other insurance carrier. 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.

Your Plan and Much More!

Roadside Assistance

Major Plan’s Roadside Assistance Program is designed specifically to help you in the event of a roadside emergency or unexpected mechanical breakdown.

This service is available: – 24 hours a day, 7 days a week; – Throughout Canada and the continental United States;

More details soon!

Identity Theft

The number of identity theft victims continues to grow and dealing with it is a real headache. With the identity theft assistance, you have access to identity theft experts and attorneys who will answer all your questions over the phone. Your case will be handled by a professional, allowing for identity restoration and reporting of fraud to financial authorities

More details coming soon!

Pet Assistance

For many people, their four-legged pets are an integral part of the family. To save dog and cat owners a lot of trouble, the Pet Assistance Hotline allows you to get support from a team of veterinarians and veterinary technicians on a wide range of issues. This telephone service is available 365 days a year, from 7 am to 10 pm. The team members will give you valuable advice on your pet’s health and behavior. The service also includes a pet concierge service.

More details soon!

Student Assistance Program

The primary function of the Student Assistance Program is to provide psychological support to members. The service will be available as of September 1, 2022.

The Student Assistance Program (SAP) provides access to a 24/7 support center. In addition to the immediate support, this confidential service provides consultations with certified professionals. Our SAP also offers a chat system and online toolkit to provide easy access to advice, support, and a variety of digital content on different topics related to physical and mental health and wellness. Please do not hesitate to contact our team at 1 877-976-2567 if you have any questions regarding this service.

 

More details soon!

Resource Center

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

  • Reference documents

    2022-2023 Coverage (Coming Soon)

  • Forms

    Dental Claim Form (Coming Soon)

    International Health Coverage (Coming Soon)

    Reinstatement (Coming Soon)

    Family Coverage (Coming Soon)

  • Coverage Contracts

    Health and Dental – (Coming Soon)

    Accident (Coming Soon)

    Travel (Coming Soon)

  • Limitations and exclusions

    Accident and Travel (Coming Soon)

     

  • Travel and Accident

    Travel Passeport

    Accident Plan (Coming Soon)

  • Coverage offered by

    Complementary health, dental, fracture insurance, and roadside assistance: Humania 
    Accidents and Travel: AIG Insurance Company of Canada
    Identity theft assistance and pet assistance: FBA Solutions 

Withdrawal

Please note that it is not necessary to create an account on the web portal to withdraw. Simply click on the Withdrawal tab and fill out the form. Furthermore, it will be possible to create your profile on the mobile application and the web portal only after the end of the amendment and withdrawal period.

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.

During the withdrawal period, you may partially or completely withdraw from the plan. Partial withdrawal allows you to opt out of only one of the dental or supplementary health components. The supplementary health component includes travel insurance, accident insurance, fracture insurance,  identity theft assistance, pet assistance, roadside assistance, and the student assistance program. It is not possible to split the coverage within the supplementary health component.

Amendment and Withdrawal period:

Fall Semester: September 15th to October 15th

Winter Semester: January 15th  to February 15th

In the event of a withdrawal, the institution will credit you with the amount of your contribution to the plan on your institutional invoice.

 

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.

Withdrawal Forms will be available during the amendment and withdrawal period.

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