Health

Health Coverage

To find out if you’re eligible for these benefits, see the Who’s Covered section.

The current coverage period is from Sept. 1, 2024 – Aug. 31, 2025.

Maximum of $10,000 per insured person per coverage period for all eligible expenses.*

Reimbursements are based on the reasonable and customary fees of the Canadian province in which the care is provided.

*Please refer to the insurance brochure for all applicable definitions, conditions, restrictions, and exclusions. In case of any discrepancy between this website and the insurance brochure, the information in the insurance brochure will prevail.

Show all

Hide all

Prescription Drugs

Oral contraceptives, neurostimulants, hormonal therapy, hormonal intrauterine devices, copper IUD, diaphragms, contraceptive rings, contraceptive injections, contraceptive patches and antidepressants: covered.

Please note that your student Plan covers only eligible prescription drugs in only the above categories.

Some drugs covered by the Plan aren’t covered by RAMQ. In this case, the pharmacist will give you a receipt indicating that the public plan provides no reimbursement. The insurance company will then reimburse you for the cost of the lowest priced equivalent generic product on the market.

If you're a Quebec resident (including international students who have become Quebec residents):

Ensure that you’re registered for one of these two plans:

RAMQ (provincial health insurance: Quebec Medicare)

A private or public prescription drug plan. A student health plan isn’t considered a private or public drug plan. If you don’t have access to a private employee drug plan (through your job or your parent’s or spouse’s job), you must register with the RAMQ Drug Plan.

If you aren’t covered by one of these two plans (Quebec Medicare or a private or public drug plan), you can’t submit prescription drug claims to the student Health Plan.

All claims for prescription drugs must first be submitted to a parent’s or spouse’s/employee plan or to RAMQ before being submitted to the student Health Plan. Note that only certain eligible drugs (see the categories above) are covered by the Plan.

Subsequently, the reimbursement received via the student Health Plan corresponds to the difference between the price of the drug (if it is covered) and the amount reimbursed by the former plan (private plan or RAMQ). When the drug is covered by both the private/RAMQ plan and the student Plan, Quebec residents can be reimbursed for up to 100% of eligible prescription drug costs by combining their plans.

Preventive Vaccines

Payable amount of $100 per insured person per coverage period for all vaccines not covered by the RAMQ. Administration fees are not included.

Short-Term Hospitalization in province of residence

The cost of a semi-private room for each day of hospitalization with no limit as to the number of days.

Additional allowance: $50 per day of hospitalization, maximum of 30 days per period of hospitalization.

Convalescent and Rehabilitation centre

The cost of a semi-private room for each day of hospitalization, with a limit of 180 days per insured person, per illness.

Nursing Care

Payable amount of $10,000 per insured person per coverage period, provided it is prescribed by a physician and approved by Desjardins Insurance.

Ambulance

In the event of a medical emergency, the fees related to the transportation by a licensed ground or air ambulance to the nearest hospital.

Health Practitioners (Paramedical Services)

Payable amount of $30 per visit, up to a maximum of $400 per insured person per coverage period, for each of the following specialist disciplines:

Acupuncturist
Chiropractor
Dietician
Massage therapist
Naturopath or naturotherapist
Osteopath
Podiatrist or chiropodist*

*The maximum amount applies to all specialists of this discipline.

X-rays required as part of a chiropractic, osteopathic, or podiatric treatment: Maximum of one x-ray exam, per insured person per coverage period, combined with the maximum payable amount for the specialist discipline.

Physiotherapist or physiatrist: Payable amount of $40 per visit, up to a maximum of $400 per insured person per coverage period.

Voice therapy: Payable amount of $50 per visit, up to a maximum of $500 per insured person per coverage period.

Mobility Aids (with a medical recommendation)

Conventional wheelchair: Purchase or rental, conditions apply.

Walkers or crutches: Purchase or rental, conditions apply.

Orthopaedic Supplies (with a medical recommendation)

Spinal brace: Purchase; repair costs are not included.

Brace for a limb, truss, and plaster: Purchase; repair or replacement costs are not included.

Conventional hospital bed: Purchase or rental, conditions apply.

Orthopaedic shoes: Purchase, up to a maximum of $200 per insured person per coverage period, conditions apply.

Orthotics and Prostheses (with a medical recommendation)

Podiatric orthosis or arch support: Purchase.

Artificial limb: Purchase; repair and replacement costs are eligible.

Artificial eye: Purchase.

External breast prosthesis: Purchase, when required in the case of total or radical mastectomy.

Surgical brassiere: Purchase.

Hearing aids: Purchase, up to a payable amount of $250 per insured person for 2 consecutive coverage periods.

Wigs: Purchase, up to a lifetime maximum of $200 per insured person, when required as a result of chemotherapy.

Therapeutic Equipment (with a medical recommendation)

Glucometer or reflectant meter: Purchase or rental; devices for continuous glucose monitoring are covered only with a prescription for insulin. Up to a maximum of one device per person for the duration of the policy.

Oxygen and equipment required for its administration: Purchase or rental, conditions apply.

Apnea monitor: Purchase or rental, conditions apply.

Drainage pump and chest percussion accessories: Purchase.

TENS nerve stimulators: Purchase or rental, up to a lifetime maximum of $700 per insured person, conditions apply.

Other therapeutic equipment: Purchase or rental, conditions apply.

Medical Supplies (with a medical recommendation)

Elastic support stockings: Purchase, including pressure gradient hose, dispensed in a pharmacy or a medical facility. 2 pairs per insured person per coverage period.

Catheter: Purchase.

Opaque glasses necessary during radiotherapy or psoriasis treatments: Purchase.

Colostomy, ileostomy, or ureterostomy supplies: Purchase.

Supplies for paraplegics: Purchase.

Medical supplies for gavage: Purchase.

Medical supplies necessary following a tracheotomy: Purchase.

Compressive garments for the treatment of burns: Purchase.

Medicated dressings: Purchase.

Diagnostic Services (with a medical recommendation)

Imaging techniques (including x-rays and ultrasounds), diagnostic laboratory tests, and radiotherapy or radium therapy. Such procedures do not include services received in a hospital and ultrasounds related to pregnancies.

Dental Treatment due to an Accident (with a medical recommendation)

The services of a dentist required to repair and replace healthy teeth as a result of an accidental blow to the mouth received while the insured person is covered under this benefit. Dental services must be rendered within 12 months of the accident. Reimbursements are based on the fees indicated in the Dental Association Fee Guide for General Practitioners of the province in which the services are provided (these fees are the ones suggested to general practitioners, not specialists).

Treatments (with a medical recommendation)

Radiotherapy or treatment of blood coagulation problems. Such procedures do not include services received in a hospital.

Educational fees – Services of a private teacher

The services of a private teacher, up to a payable amount of $10 per hour and a maximum of $300 per accident or illness.

Accidental Death and Dismemberment of the insured person

Amount of insurance per insured person: $5,000

For detailed information and maximums, please consult your insurance brochure.