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Your plan from HCSA
The Plan
You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $8/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.
HCSA provides you with extended health insurance, dental, as well as accident and travel insurance.
Plan Enrollment Important Numbers Coverage Amendment and Withdrawal Period Family Coverage
Plan Enrollment
The plan enrollment fees are 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 semester must be paid before you can receive reimbursement.
| Health, Dental, Accident and Travel | |
|---|---|
| Fall Aug 15th to Jan 14th |
$41 |
| Winter Jan 15th to Aug 14th |
$46 |
| Annual Individual Total | $87 |
If applicable, fees include premiums, administration fees, commissions, withholdings, and taxes that may apply to the plan.
Important Numbers
Here are some important numbers related 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.
Coverage Amendment and Withdrawal Period
Any change to your plan, whether withdrawal from the plan or addition of dependents (children), must be made during the amendment period. This period is between August 28th and September 28th for students enrolled in the Fall semester; for students enrolled in the Winter semester, this period is between January 28th and February 27th.
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 semester: August 28 to September 28
Winter semester: January 28 to February 27
In the event of a withdrawal, the Major Plan will reimburse the amount of your plan membership after the end of the withdrawal period.
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 children, providing an affordable family plan.
To do so, please complete and forward the Family Coverage form 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, Accidents and Travel | |
|---|---|
| Adding Dependents(s) (same coverage as the insured) |
$87 / child |
Please complete the following form to take advantage of family coverage. Be sure to pay the contribution in one payment.
Coverage Offered by
Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada
Coverage
The coverage period is divided into two periods: August 15, 2022, to August 14, 2023. In order to be eligible for both, you must maintain your student status and student association membership for both.
Fall: August 15th to January 14th
Winter: January 15th to August 14th
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 now required by the Quebec government.
Health Care Dental Care Accident Travel
All the details of the 2021-2022 coverage right here → 2021-2022 Coverage
2022-2023 Coverage
Here are the details for the 2022-2023 coverage that will be active starting August 15th, 2022
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: 55823
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.
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.
Critical Illness Insurance
Critical illness insurance provides compensation to cover certain costs associated with illnesses that could be degrading your life conditions. If you suffer from one of the covered illnesses, you could benefit from a lump sum of $ 2500.
Once the coverage’s benefit has been distributed to the insured person, the coverage ends. The clause for 24 months of pre-existing conditions applies. The survival period following the diagnosis is 30 days.
Dental Care
Thanks to coverage from your Student Plan, you may receive up to $300 in dental care reimbursements per coverage period.
The policy number for dental claims is: 55823
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’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 policy number for Accident claims is: SRG 914 0579-007
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 INFO-Accident 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 to AIG subsequently. 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 0579-007
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 |
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: 9426277-018.
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
2021-2022 Coverage
The coverage period was from August 15, 2021, to August 14, 2022.
Note that prescription drug coverage is not included in your plan and does not replace the prescription drug insurance coverage now required by the Quebec government.
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2021-2022 Health coverage
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.
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2021-2022 Dental coverage
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.
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2021-2022 Accident coverage
Please refer to the loss schedule included in the INFO-Accident 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 to AIG subsequently. 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 0579-007
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
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2021-2022 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.
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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 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 TELUS ADJUDICARE 34 / AUTOBEN, policy/group number, and student number 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.
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 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 digital ID number TELUS ADJUDICARE 34 / AUTOBEN, policy/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), 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
CP 70025 SUCC QUÉBEC-CENTRE
Québec, QC, G2J 0A1
Fax: 1-819-205-0714
Please ensure that your name, your student 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 student code 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 coverage plan.
Student Assistance Program
The primary function of the Assistance Program is to provide psychological support to all members of the student body.
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.
Telus Health LifeJourney™
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 application
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 55823 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: 55823
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.
Resource Center
Below, you will find useful information such as coverage contracts, limitations, and the information management policy.
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Reference document
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Forms
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Coverage Contracts
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Limitations
Health and Dental – coming soon
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Travel and Accident
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Student Assistance Program
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Coverage Offered by
Withdrawal
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.
You may withdraw from the plan during the withdrawal period. It is not possible to withdraw only from some components of the plan. Please note, that the supplementary health component also includes the Travel insurance and Accident insurance coverage
The annual withdrawal allows you to be temporarily withdrawn from the plan during the current academic year. However, you will be reinstated automatically at the beginning of the next academic year. As a result, you will have to withdraw again, if you wish to do so, during the plan’s amendment and withdrawal period.
Withdrawal period:
Fall semester: August 28 to September 28
Winter semester: January 28 to February 27
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.