Medical insurance for international students
International students are required to have health insurance, and they can also take out supplemental insurance. Here are the possibilities offered at HEC Montréal.
Required medical insurance
International students are automatically registered to the medical insurance provided by HEC Montréal (Cowan) according to a specific coverage period. These fees will be added to your invoice.
Arriving before the coverage period starts? We strongly recommend purchasing insurance with adequate coverage until that time. Find out more: Sécuriglobe or Blue Cross.
Possible exemptions
- You can opt out of the plan if you qualify for Quebec Health Insurance (RAMQ) .
In case you are a student holding a diplomatic visa, you can obtain an exemption if
- you qualify for RAMQ or any other provincial health insurance plan;
- as a result of your diplomatic status, you have an equal or a better medical and hospital care insurance plan than the one Cowan is offering. If this is the case, prior to your departure, be sure to have a statement from your insurer with your name, coverage period and range of benefits.
Premium reimbursed
If you qualify for an exemption, the initial Cowan insurance premium will be reimbursed to you. Just send proof of your eligibility (RAMQ) to HEC en ligne before the deadline for tuition fee payments.
Supplemental health insurance
Although the School does not insist upon it, students are free to opt for supplemental insurance. This type of insurance can work well for items that are not covered by Cowan or RAMQ, such as dental, optometry and long-term travel. These areas are also covered by some private insurers.
Get informed
Student association (ASÉQ) health and dental insurance plan
Manulife insurance (through the alumni association’s Reseau HEC)
List of options
| International students eligible for RAMQ | Other International students | |
|---|---|---|
| RAMQ only – basic coverage, excluding dental and optometry services (no cost) | ||
| RAMQ with ASÉQ supplemental – health and dental or one option ($396.38) | ||
| RAMQ and other supplemental insurance (costs vary) | ||
| Cowan – including 60-day travel insurance ($711) | ||
| Cowan with ASÉQ supplemental – dental only ($935.06) |
For more information