Why Choose the Major Plan?

Since 2004, the Major Plan has been offering a full range of insurance plans designed to meet students' needs. Currently, we serve over 75,000 students.

A Plan That Meets Your Needs

The Major Plan stands out by offering an approach focused on your needs while respecting your realities. It will be our pleasure to support you in the development of your plan, without forcing you to choose a single configuration!

  • All plan coverage is customizable
  • Create specialized coverages according to member needs
  • Support your members in the consultation process
  • Proactive, immediate support from our team, on your campus.
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Turnkey Service, with Integrity

The Major Plan stands out for its desire to offer your members service with a human touch, adapted to their reality. Our team consists of customer service professionals, students, and former members of student movements.

  • Bilingual call centre with extended opening hours
  • Easy and simple withdrawal process
  • Fast and simple claims process
  • Access to an interconnected mobile application and web portal
  • A clean record with the Autorité des Marchés Financiers (AMF)

Innovation Is at the Heart of Our Actions

The Major Plan stands out through its desire to innovate in order to meet the specific needs of student association members. In Quebec, we have been forward-looking on many aspects.

  • Fichier 1 Implementation of a college plan (AGECTR)
  • Fichier 1 Implementation of a self-insured plan (AGEUQTR & AGEHCUQTR)
  • Fichier 1 Implementation of student assistance program (AGECAR)
  • Fichier 1 Implementation of a Telemedecine program (AETELUQ)
  • Fichier 1 Offering associations a process to eliminate bad debts.

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The Major Plan Offers More

Beyond the personalized turnkey service and the constant innovation, the Major Plan provides benefits to the associations with whom it collaborates that few organizations can offer.  

The Major Plan stands out by directly handling the health and dental claims process on behalf of the insurance companies that you chose for your plan.

This results in many advantages, such as more flexibility on coverages, faster claims-processing service and customer service that addresses issues more easily. This also allows many of the insurance companies’ forms and restrictive rules to be eliminated.

It also facilitates insurance company changes and allows the implementation of a real self-insured plan. 

The Major Plan stands out by allowing you to implement a real self-insured plan, independent of a dental and health insurance company.

Most associations with whom we collaborate chose a full coverage plan. However, many have chosen the self-insured plan for the dental and health component, allowing them to have better control over all features of their plan, therefore maximizing group benefits. 

The Major Plan stands out by providing students with access to many preferential rates through partnerships with many professionals in different fields.  We have agreements with organizations of all sizes (locally and nationally). We operate in every region of Quebec.

This is a supplemental benefit to already-existing coverage, so students remain free to choose their professional. In order to obtain a reimbursement from the Major Plan, you are not obligated to consult a Rebate Network partner. 

The Major Plan stands out by eliminating bad debts resulting from problems with premium collection for services that you offer with us. 

In the past, some associations have faced problems related to payment of sums collected retroactively from plan administrators other than Major Plan.

Over the years, we have developed mechanisms to help associations avoid finding themselves in bad situations. 

The Major Plan Offers Different Plan Types

Our expertise and our willingness to let you to control all aspects of your plan allows us to offer you the option of choosing between all three existing plan types.

Selection of the plan type will take place after an assessment of your needs and realities. This process must be carried out by a licensed professional. The Major Plan can administrate your members’ claims, no matter their plan type.

In this type of plan, the risk is borne by the insurance company and not by the association. Withholdings are property of the insurance company.

NB: The Major Plan has no exclusivity agreements with any insurance company and is dedicated to working with a diversity of providers to fulfil its role as broker.

In this type of plan, the risk is borne by the insurance company and not by the association. Withholdings remain the property of the association. This type of plan is not very common among student associations.

The association takes on all the risk, but keeps all surplus and owns withholdings. Travel and AD&D components generally remain fully covered. Some might be afraid of self-insurance. However, many associations such as AGEUQTR, AGEHCUQTR, AGECAR and AELCC have chosen self-insurance and are very satisfied.

What Is an EAP?

An EAP is a confidential service, administrated by duly qualified professionals, to address students’ needs. This may include a variety of support services, such as:

  • Psychological support: Access to face-to-face, video conference or phone consulting with a professional
  • Health and wellness support: Access to healthy lifestyle advice
  • Legal counselling: Access to professional legal advice
  • Budgeting advice: Access to professional advice regarding budget and financial organization.

What Is Telemedecine?

It is an innovative service providing 24/7 access to virtual health care via a mobile app.

  • Bilingual services for students and their family
  • Prescriptions and medical recommendations
  • Video consulting and chat via the app
  • Consultation with doctors and specialized nurse practitioners

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