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.

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Prescription Drugs

Oral contraceptives, neurostimulants, antidepressants, injection contraceptives, and contraceptive patches: covered up to 70%.

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, spouse’s, or 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 $150 per insured person per coverage period for all vaccines not covered by RAMQ. Administration fees are not included.

Short-Term Hospitalization in province of residence

Charges up to the difference between the cost of a ward and a semi-private room for each day of acute care hospitalization.

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

Long-Term Hospitalization in province of residence

Convalescent/Rehabilitation Centre: The cost of a semi-private room, up to 100 days per period of confinement.

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 $20 per visit, up to a maximum of $400 per insured person per coverage period, for each of the following specialist disciplines:

Acupuncturist
Dietician
Massage therapist (medical recommendation required), orthotherapist, or physical rehabilitation therapist*
Naturopath
Osteopath
Kinesiologist
Podiatrist or chiropodist*

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

Chiropractor: Payable amount of $40 per visit, up to a maximum of $600 per insured person per coverage period.

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

Physiotherapist: Payable amount of $40 per visit, up to a maximum of $600 per insured person per coverage period.

Psychologist, social worker, psychotherapist, sexologist: Payable amount of $50 per visit, up to a maximum of $500 per insured person per coverage period.

Mobility Aids (with a medical recommendation)

Wheelchair: Purchase and repair, or rental; conditions apply. One in any 60-month period.

Walkers, canes, or crutches: Purchase or rental; conditions apply.

Orthopaedic Supplies (with a medical recommendation)

Spinal braces: Purchase and repair.

Rigid or semi-rigid braces for limbs, trusses, or casts: Purchase and repair.

Foot orthoses: Purchase; conditions apply.

Orthopaedic shoes: Purchase, 1 pair per insured person per coverage period, up to $200.

Prostheses (with a medical recommendation)

Artificial limbs and myoelectric prosthetics: Purchase, repair, or replacement when required due to a physiological change, up to $10,000 per prosthesis or repair.

Artificial eyes: Purchase and repair.

Breast prostheses: Purchase, when required due to a mastectomy, up to the cost of external prostheses and purchase of mastectomy brassieres.

Hearing aids: Purchase. Up to $250 per insured person in any 2 coverage periods.

Other Medical Equipment or Supplies (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.

Insulin pump supplies: Purchase.

Intrauterine devices, diaphragms, contraceptive rings: Purchase.

Support stockings: Purchase of support stockings at least 20 mmHg dispensed in a pharmacy or a medical facility.

Catheters: Purchase.

Opaque glasses: Purchase, provided they are required during radiotherapy or psoriasis treatments.

Ostomy supplies: Purchase.

Paraplegics supplies: Purchase.

Tube feeding supplies: Purchase.

Tracheotomy supplies: Purchase.

Compressive garments other than support stockings: Purchase.

Medicated dressings: Purchase.

Stump-socks: Purchase. 10 per coverage period.

Apnea monitors: Purchase or rental; conditions apply.

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

Lymphoedema pumps: Purchase.

Chest percussion accessories: Purchase.

Enuresis sensors: Purchase or rental; conditions apply.

Hospital beds: Purchase and repair, or rental; conditions apply. One in any 60-month period.

Traction apparatus: Purchase or rental; conditions apply.

Standing aids: Purchase or rental; conditions apply.

Other therapeutic equipment and their supplies: Purchase or rental; conditions apply. $10,000 per lifetime combined for all of this equipment and supplies.

Diagnostic Services (with a medical recommendation)

Imaging techniques and diagnostic laboratory tests. Such procedures do not include services received in a hospital.

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).

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: $4,000

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