Heritage College Student Association (HCSA)
Paramedical and eye care
With coverage for paramedical and vision care, you can reduce the cost of visits to various professionals for eye exams and the purchase of glasses or contact lenses.
Coverage details
Our partnership with Groupe Visuel Iris could provide you with additional benefits when you are covered by the Major Plan.
Here are the details of the coverage:
| Paramedical Services and Vision Care | Global Max. $500 / coverage period | |
| Acupuncturist Dietitian Chiropractor Massage therapist Physiotherapist Podiatrist |
$40 / visit max. combined $400 / coverage period |
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| Eye examination | $30 / 12 consecutive months | |
| Prescription eyeglasses Contact lenses |
$200 / 24 consecutive months | |
| Psychometric assessments provided by a licensed therapist. | $300 per 36-month period | |
Drug Insurance
With drug coverage, you can reduce the cost of certain medications. Please note that Plan Major is the second (2nd) payer for your drug coverage. You must first submit your claims to the RAMQ or another private insurance company.
Coverage details
This student coverage does not replace the drug insurance required by the Government of Quebec.
Here are the details of the coverage:
| Drugs | Combined maximum of $300 / coverage | |
| Contraceptives listed and not listed on the RAMQ list (2nd payer) (Oral contraceptives, IUDs, contraceptive injections, contraceptive rings, contraceptive patches, contraceptive implants) |
70% of costs Generic drugs in addition to RAMQ, 2nd payer: 70%. Brand name drugs: 70% of the price of the drug if no equivalent on the market // 70% of the price of the cheapest equivalent drug on the market |
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| Neurostimulants listed and not listed on the RAMQ list (2nd payer) | 70% of costs Generic drugs in addition to RAMQ, 2nd payer: 70%. Brand name drugs: 70% of the price of the drug if no equivalent on the market // 70% of the price of the cheapest equivalent drug on the market |
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| Antidepressants listed and not listed on the RAMQ list (2nd payer) | 70% of costs Generic drugs in addition to RAMQ, 2nd payer: 70%. Brand name drugs: 70% of the price of the drug if no equivalent on the market // 70% of the price of the cheapest equivalent drug on the market |
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| Vaccines ( not covered on the RAMQ list ) | 70% of fees max. $100 / coverage period |
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Extended Health Benefits
Thanks to your supplementary student plan coverage, you can take advantage of several health care services that are not covered by the Régie d’assurance maladie du Québec.
Coverage details
This student coverage does not replace the drug insurance required by the Government of Quebec.
By maintaining your Major Plan coverage, you can take advantage of special offers from our partners, such as Clinique Virtuelle, Énergie Cardio, and many others. Visit the Discount-Network section for more details.
Here are the details of the coverage:
| Semi-private hospital room (hospitalization) | 100% of fees – $30 per day max. of 5 consecutive days per hospitalization max. $400 /coverage period |
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| Ambulance (ground or air) | 60% of fees max. $350 / coverage period |
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| Nursing services | 70% of fees max. $500 / coverage period |
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| Max. combined $350 / coverage period | ||
| External breast prostheses
(following a mastectomy) |
60% of fees max. $200 / coverage period |
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| Pressure garments for burns up | 60% of fees max. $350 / coverage period |
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| Wigs (required for pathological conditions or following chemotherapy treatments) |
60% of fees max. $350 / lifetime |
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| X-rays Private ultrasound (including maternal ultrasounds) Laboratory tests (medical recommendation required) |
60% of fees max. 200$ / coverage period |
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| Bloods tests (including health assessments) | 60% of fees max. 100$ / coverage period |
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Dental Care
Thanks to your student plan coverage, you may be eligible for reimbursements for your dental care.
Coverage details
For claims made directly to the dental office, you may need to provide the TELUS ADJUDICARE 34 / AUTOBEN digital identifier.
It is important to obtain a treatment plan from your treating specialist to confirm coverage for the prescribed procedures, especially if the cost of the procedures exceeds $200. Certain limitations may apply.
Save even more thanks to our partnership with Lapointe Dental Centers. With Plan Major coverage, enjoy discounts and preferential rates in our Network Discounts section.
Here are the details of the coverage:
| Diagnostic and prevention services | Global Max. $500 / coverage period | |
| Clinical oral examination X-raysLaboratory testsTooth polishing |
75% of fees | |
| Basic care | ||
| Gum Treatment Dental filling (composite fillings (white) are only covered for the anterior teeth) |
75% of fees | |
| Root canal Oral surgery (teeth extraction including wisdom teeth) |
75% of fees | |
Critical Illness Insurance
Critical illness insurance provides compensation to cover certain expenses associated with an illness that could disrupt your life.
Coverage details
If you suffer from one of the illnesses covered by the plan, you could receive a lump sum payment of $2,500.
Here are the details of the coverage:
| Covered Illnesses (25) | Lump Sum of $ 2 500 | |
| Acquired Brain Injury Aplastic Anemia Severe Burns Invasive Cancer Blindness Aortic Surgery Coma Stroke Alzheimer Disease Vital Organ Transplant Occupational HIV infection Kidney Failure Major Organ Failure (waiting list) Parkinson Disease Motor Neuron Diseases Bacterial Meningitis Paralysis Lost of Speech Loss of Limbs Loss of Independent Existence Coronary Artery Bypass Surgery Heart Valve Replacement or Repair Multiple Sclerosis Deafness Benign Brain Tumour |
Characteristics
A 24-month pre-existing condition clause applied |
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Accident Insurance
With this coverage, you could receive reimbursements in the event of an accident.
Coverage details
Your plan’s accident insurance covers several situations, such as dental and healthcare expenses in the event of an accident. It also covers ambulance transportation costs and chiropractor and physiotherapist service fees. Please note that for claims for care received following an accident, accident coverage always applies secondarily.
Here are the details of the coverage:
| Full fracture | Max. of $1 000 / accident | |
| Skull (localized depression) | $1,000 | |
| Skull (without localized depression) | $400 | |
| Spine (two or more vertebrae) | $1,000 | |
| Spine (one vertebra) | $400 | |
| Spine (compression fracture) | $200 | |
| Upper jaw (maxilla) | $330 | |
| Jaw (mandible) | $80 | |
| Hip (femur) | $330 | |
| Pelvis | $330 | |
| Patella (patella) | $270 | |
| Leg (tibia or fibula) | $250 | |
| Shoulder blade (scapula) | $250 | |
| Ankle (Pott’s fracture) | $250 | |
| Wrist (Pouteau-Colles fracture) | $250 | |
| Forearm (open or comminuted fracture) | $230 | |
| Forearm (non-open fracture) | $120 | |
| Sacrum or coccyx | $170 | |
| Sternum | $170 | |
| Arm, between the elbow and the shoulder | $170 | |
| Clavicle | $120 | |
| Nose | $120 | |
| At least two ribs | $100 | |
| Hand (one or more metacarpals) | $80 | |
| Foot (one or more metatarsals) | $80 | |
| Facial bones | $80 | |
| One rib | $50 | |
| Any other bone | $30 | |
| Full dislocation | ||
| Hip | $420 | |
| Knee (primary surgical repair) | $330 | |
| Shoulder (fracture reduction by surgical treatment) | $250 | |
| Wrist | $170 | |
| Ankle | $170 | |
| Elbow | $120 | |
| Foot bones, except toes | $80 | |
| Death and paralysis benefit (following an accident) | ||
| Loss of life | $10 000 | |
| Paralysis (Quadriplegia, Paraplegia, Hemiplegia) | $20,000 | |
| Dismemberment benefit (following an accident) | ||
| Loss of Both Hands or Both Feet | $10,000 | |
| Loss of Entire Sight of Both Eyes | $10,000 | |
| Loss of One Hand and One Foot | $10,000 | |
| Loss of One Hand and the Entire Sight of One Eye | $10,000 | |
| Loss of One Arm or One Leg | $8,000 | |
| Loss of One Hand or One Foot | $7,500 | |
| Loss of The Entire Sight of One Eye | $7,500 | |
| Loss of Thumb and Index Finger of the Same Hand | $3,333 | |
| Loss of Speech and Hearing | $10,000 | |
| Loss of Speech or Hearing | $7,500 | |
| Loss of Hearing in One Ear | $6,667 | |
| Loss of Four Fingers of One Hand | $3,333 | |
| Loss of All Toes of One Foot | $2,500 | |
| Loss of Use of Both Arms or Both Hands | $10,000 | |
| Loss of Use of One Hand or One Foot | $7,500 | |
| Loss of Use of One Arm or One Leg | $8,000 | |
| Tuition fees benefit (following an accident) | ||
| Services of a qualified teacher | $20.00/ hour up to a maximum total of $300 / accident | |
| Tuition expenses (including internship and training fees) | 50% of fees, max. of $500 / semester | |
| Accidental Para‐Medical Expense Reimbursement Benefit (following an accident) | Max. of $10,000 / accident | |
| Private duty nursing by a licenced graduate nurse (R.N.) | $50.00 / hour up, max of of $5,000 / accident | |
| Ambulance transportation | $5,000 / accident | |
| Semi-private hospital room (Hospitalization) | $5,000 / accident | |
| Physiotherapist | $300 / accident | |
| Chiropractor | $300 / accident | |
| Rental of a Wheelchar and Iron lung | 100% of fees | |
| Cost of prescription drugs and medicines (except in the Province of Quebec) | 100% of fees | |
| Hearing aids Crutches Splints Casts Trusses Braces |
100% of fees | |
| Accidental Dental Expense Reimbursement | ||
| Dental accidents | 100% of fees, max. of $5,000 / accident | |
| Age Limit | 85 and under | |
What is considered an accident?
An accident is defined as an unintentional and unforeseen event caused by an external source. It is important to consult the contract to find out what is covered by accident insurance.
Have you been in an accident and would like to file a claim?
First, it is important to submit claims to your supplementary health insurance plan (if certain treatments are covered) before filing a claim with your accident insurance. The Plan Major team is available to assist you in coordinating benefits. Contact us at student@majorplan.ca.
You can then submit your claim by contacting the Insurance Company of Canada (AIG) directly at 1-877-317-8060 or at AHClaimscan@aig.com.
Travel Insurance
With this plan, you are covered for medical emergencies abroad and trip cancellations up to $5 million.
Coverage details
Your coverage plan covers trips lasting up to 180 consecutive days. In addition, trips must take place during the current coverage period.
Here are the details of the coverage:
| Emergency Medical (out of province) | $5,000,000 | |
| Emergency Transportation (Ground / Air / Family) | $20,000 / $500,000 / $15,000 | |
| Trip Cancellation / Interruption | $5,000 | |
| Identification guarantee | $5,000 | |
| Meals and accommodation | $3,000 ( $150 per day ) | |
| Transportation to the bedside | Round trip in economy class | |
| Return of the travel companion | $10,000 | |
| Return with minor dependent children | $5,000 | |
| Return of the vehicle | $5,000 | |
| Medical services MRI (diagnostic) | $7,500 | |
| Dental accidents | $5,000 | |
| Nursing care | Max. of $50/shift | |
| Services of a physician or surgeon (appropriately qualified) Medication (prescribed by a qualified physician or surgeon) Services of a physician anesthetist (appropriately qualified) Outpatient services (provided by a hospital) |
100% of fees (reasonable and customary charges) |
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| Crutches Hospital bed Splints Canes Slings Bandages Braces Other prostheses approved by the insurer |
100% of costs – Purchase or rental (reasonable and customary charges) |
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| Chiropodist Chiropractor Osteopath Physiotherapist Podiatrist |
$300 per practitioner | |
| Repatriation / Body identification | $15,000 / $5,000 | |
| International Assistance Services | Included | |
| Age limit | 85 years or less | |
| Maximum travel time | 180 days | |
Has something unexpected happened during your trip?
In the event of a medical emergency, and if possible before receiving treatment, it is important to contact AIG quickly at the numbers listed below.
Their multilingual agents are available 24 hours a day, 7 days a week.
Here are the phone numbers to call for travel insurance assistance → US and Canada (toll-free): 1 877-207-5018; Elsewhere in the world (collect call) 1 819-566-3940
Luggage insurance and travel delay insurance
Complete your travel coverage with baggage and travel delay insurance! A real must-have for peace of mind when traveling.
Coverage Offered by
Heath and Dental: Assumption Life
Accidents and Travel: AIG Insurance Company of Canada
Your virtual card
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Certificate Number:Student ID number
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Health/Dental Group Number:55823
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Digital ID at the dentist:Telus Adjudicare 34 / Autoben
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Digital ID in pharmacies:Telus Assure 34
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Accident Group Number:SRG 9140579-007
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Travel Group Number:9426277-018
