This page provides information to Canadians about student health insurance.
Many individuals in the workplace are fortunate enough to have access
to a health insurance plan, but many college students, who are striving
to acquire the knowledge needed to enter the work force, are without health
A number of Canadian colleges and universities offer student health insurance
plans to those enrolled in their institutions. Although some enrol their
students automatically into their health insurance programs upon registration,
coverage for potential medical expenses incurred during their schooling
is typically an option for the Canadian student.
It is the college student’s responsibility to get informed and
be well aware of the terms and coverage of the institution’s student
health insurance plan.
needs a Student Health Insurance Plan?
According to a national survey, about 80% of students have experienced
a health issue that has affected the course of their studies. Many young
students are covered under their parents’ health insurance policy;
however, exceptions should be noted. Full-time students over 25 years
of age are not covered by their parents’ plan, nor are part-time
students over 21 years of age. It is therefore advisable that before opting
out of a student health insurance plan, you should check to see if you
are indeed covered by another health plan.
Student Health Insurance Coverage
Aside from offering the standard medical and dental benefits, many student
health plans cover vision expenses, including eye examinations, prescription
glasses, contact lenses, and in some cases, laser eye surgery. If your
studies consist of volunteer work or internships in foreign countries,
you may be required to receive certain vaccinations, which could be covered
by your student health plan. Ambulatory service, travel health insurance,
accidental death and dismemberment coverage, medical equipment rental,
and services rendered by certified osteopaths, naturopaths, dieticians,
chiropractors, speech and athletic therapists may also be part of your
student health insurance coverage. It is often possible for college students
to enrol their spouse or children under their health insurance plan for
an extra fee. Common-law partners and same-sex couples are usually considered
eligible as well.
Students who are permanent residents of the province in which they are
studying have the option of joining or not joining a student health insurance
plan offered by their academic institution. College students coming from
a different province in Canada must check the regulations of their home
province to ensure that they are covered while studying at the out-of-province
college they have chosen.
All international students studying in Canada (those that do not have
Canadian citizenship or Permanent Resident Status) must belong to the
student health insurance program offered by the university they are attending.
The health coverage provided by the institution is similar to the Quebec
Hospitalization and Quebec Medicare program. Students covered by an alternate
health insurance plan, such as Blue Cross, must notify their academic
institution and opt out of the school’s health insurance plan.