Regroupement des étudiantes et étudiants du centre collégial à Chibougamau (REECCC)
2026-2027 Coverage
Effective September 1, 2026
Paramedical and eye care
With coverage for paramedical and eye 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 covered by the Major Plan.
| Paramedical Services and Vision Care | Global Max. $ 500 / coverage period | |
| Acupuncturist Osteopath Massage Therapist Physical Therapist Podiatrist |
$40 per visit, max. $400 / coverage period | |
| Psychologist Psychotherapist Sex therapist Social worker |
$40 per visit, max. $400 / coverage period | |
| Eye exam | $40 / 12 consecutive months | |
| Prescription glasses Contact lenses |
$75 / 24 consecutive months | |
Coverage details
This student coverage does not replace the drug insurance required by the Government of Quebec. 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.
| Medicines | Maximum total of $400 per coverage | |
| Contraceptives 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 |
|
| 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.
| Extended Health Benefits | Maximum total of $500 per coverage | |
| Private room (hospitalization) | 70% of expenses, max. $60 per day | |
| Ambulance (ground or air) | 70 % of expenses | |
| X-rays and ultrasounds at private clinics (including prenatal ultrasounds) | 70% of expenses, max. $250 per coverage | |
| Blood tests (including routine checkups) | 70% of expenses max. $150 per coverage |
|
| Bra (following a mastectomy) | 70% of expenses, max. $200 per coverage | |
| Custom-made orthopedic shoes Open-toed, flared, or straight-toed shoes (modification or adjustment) Foot orthoses Rigid or semi-rigid splints Hernia trusses and casts Medical corsets Artificial limbs (excluding myoelectric prostheses) Artificial eyes |
70% of expenses, max. combined $400 per coverage | |
| Hearing aids | 70% of expenses, up to $500 per 5-year period | |
| Hairpieces (following chemotherapy) | 70% of expenses, up to $200 lifetime | |
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.
| Dental Care | Global Max. $ 400 / coverage period | |
| Diagnostic and prevention services | ||
| Examination Cleaning X-ray Polishing |
65% of fees | |
| Basic care | Maximum total of $300 per coverage | |
| Tooth extractions (including wisdom teeth) Root canal treatment Gum treatment Fillings (Composite (white) fillings are covered only for front teeth) |
65% of fees | |
Coverage details
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HIV Exposure – Post-Exposure Prophylaxis (PEP) (Secondary Coverage)
|
70% of the costs, up to $500 per year* | |
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Voluntary and Involuntary Pregnancy Termination (Related Non-Medical Access Expenses)
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70% of the costs, up to $400 per year* | |
Fracture Insurance
Thanks to your supplemental student health insurance coverage, you may be eligible for reimbursement in the event of a fracture (in the event of an accident).
Coverage details
With Fracture Insurance, you can receive up to $1,000 in the event of a fracture resulting from an accident. In addition, benefits are payable in addition to any other insurance held with an insurer or government plan.
These benefits are not cumulative, and in the event of multiple fractures, the Insurer will pay you the benefit for the fracture entitling you to the highest amount. All claims must be submitted to Plan Major within 30 days of the date of the event. Don’t forget to send us the claim form and any other documents required to process the claim.
| Skull Spine Hip Pelvis Femur |
$1000 / accident | |
| Larynx Scapula Humerus Patella Tibia Trachea Sternum Rib Fibula |
$300 / accident | |
| For all other fractures | $150 / accident | |
Gender Affirmation Coverage
Insurance coverage for gender transition and insurance specifically designed to help people undergoing gender transition cover the costs associated with their transition process.
Eligibility and features:
- Medical procedures must be performed in Canada.
- The person must have been diagnosed with persistent gender dysphoria* or gender incongruence**.
- The person must have obtained approval from the public health insurance plan of their province or territory of residence.
- The person must have obtained prior approval from the insurer, accompanied by documents confirming acceptance into their provincial health care plan’s gender affirmation program.
- The person must be covered by the health component of their student health plan.
- Dependents covered by the health component of the plan are eligible for this coverage.
*Gender dysphoria is a feeling of significant distress or difficulty functioning related to a person’s persistent feeling that their sex at birth does not match their self-perception as male, female, mixed, neutral, or other (gender identity).
**Gender incongruence is a marked and persistent incompatibility between a person’s gender identity and the gender assigned at birth, without necessarily causing psychological distress as in the case of gender dysphoria.
Before submitting a claim, your file must be pre-approved by the insurer. For more details, contact Plan Major at 1-877-976-2567.
Coverage details
Eligible expenses :
| Surgeries and treatments not covered by the provincial health insurance plan: | |
| Breast and Chest Surgery | 80% of costs, up to $4,000 per type of surgery or treatment up to $10,000 lifetime |
| Genital surgeries | |
| Thyroid chondroplasty (Adam’s apple surgery) | |
| Vocal cord surgery | |
| Electrolysis or laser hair removal | |
| Medications : | |
| Hormone therapy medications (second-party payer) | 100% of the costs, up to $1,000 per claim |
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.
| Accident Insurance: Death, Dismemberment, and Additional Coverage | ||
| Benefits in the event of death or disability (resulting from an accident) | ||
| Loss of life | $10,000 | |
| Paralysis (Quadriplegia, Paraplegia, Hemiplegia) | $20,000 | |
| Benefits for dismemberment (resulting from an accident) | ||
| Loss of both hands or both feet | $10,000 | |
| Complete loss of vision in both eyes | $10,000 | |
| Loss of a Hand and a Foot | $10,000 | |
| Loss of a foot and complete vision in one eye | $10,000 | |
| Loss of an Arm or a Leg | $8,000 | |
| Loss of a Hand or Foot | $7,500 | |
| Complete loss of vision in one eye | $7,500 | |
| Loss of the Thumb and Index Finger on the Same Hand | $3,333 | |
| Loss of Speech and Hearing | $10,000 | |
| Loss of Speech or Hearing | $7,500 | |
| Hearing loss in one ear | $6,667 | |
| Loss of all four fingers on one hand | $3,333 | |
| Loss of all the toes on one foot | $2,500 | |
| Loss of use of both arms or both hands | $10,000 | |
| Loss of use of a hand or foot | $7,500 | |
| Loss of use of an arm or a leg | $8,000 | |
| Benefits for educational expenses (following an accident) | ||
| Lessons taught by a qualified teacher (certified by the Department of Education) | $20 per hour, up to $300 per accident | |
| Allowance for institutional expenses (including internship and training costs) | 50% of the cost, up to $1,250 per session | |
| Benefits related to the reimbursement of paramedical expenses (following an accident) | Max. 10 000 $ / accident | |
| Private Nursing Services | $50 per hour, max. $5,000/ accident | |
| Ambulance transport | $5,000 / accident | |
| Semi-private room (Hospitalization) | $5,000 / accident | |
| Physical Therapist | $300 / accident | |
| Chiropractor | $300 / accident | |
| Rental fees for a wheelchair and an iron lung | 100% of fees | |
| Hearing aids Crutches Splints Cast Neck braces Orthopedic supports |
100% of fees | |
| Benefits related to dental care expenses resulting from an accident | ||
| Dental expenses incurred for therapeutic purposes | 100% of costs, up to $5,000 per accident | |
| Age limit | 85 years old or younger | |
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:
| Travel insurance | Lifetime maximum of $5,000,000 | |
| Emergency hospitalization (outside the province of residence) – Semi-private room – Services and supplies provided |
100% of the costs (reasonable and customary costs) |
|
| Emergency Transportation (Ground / Air / Family) | $20,000 $ / $500,000 / $15,000 | |
| Cancellation / Trip Interruption | $5,000 | |
| Identification Guarantee | $5,000 | |
| Meals and lodging | $3,000 ($150 per day) | |
| Transport to the hospital bedside | Round-trip in economy class | |
| The return of the traveling companion | $10,000 | |
| Return accompanied by minor dependents | $5,000 | |
| Return of the vehicle | $5,000 | |
| MRI Medical Services (Diagnostic) | $7,500 | |
| Dental accidents | $5,000 | |
| Nursing | Max. $50 per shift | |
| Services provided by a physician or surgeon (duly qualified) Medications (prescribed by a qualified physician or surgeon) Services provided by an anesthesiologist (duly qualified) Outpatient services (provided by a hospital) |
100% of the costs (reasonable and customary costs) |
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| Crutches Hospital beds Splints Canes Sling Bandages Orthopedic devices Other prosthetics approved by the insurer |
100% of costs – Purchase or rental (reasonable and customary costs) |
|
| Foot care specialist Chiropractor Osteopath Physical therapist Podiatrist |
$300 per practitioner | |
| Repatriation / Identification of the body | $15,000 / $5,000 | |
| International Assistance Services | Included | |
| Age limit | 85 years old or younger | |
| 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.
Your plan coverage is provided by:
Supplementary health, dental, fracture: Humania
Travel, accident, and critical illness: La Compagnie d’Assurance AIG du Canada
Your virtual card
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Certificate Number:Student ID number
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Health/Dental Group Number:63182
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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 9140579A-038
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Travel Group Number:9426277-039
