Are you a student from abroad studying at ÉTS? You are required to get health and hospitalization insurance from one of two health insurance plans: the Régie de l'assurance maladie du Québec (Quebec Health Insurance Plan - RAMQ) or Desjardins insurance.
As well, if family members are coming with you to Quebec, you are responsible for insuring them as well. Here, you’ll find all the information you need.
The Régie de l’assurance maladie du Québec (RAMQ) for Foreign Students
Québec has reached agreements with nine countries for their citizens to register for the RAMQ provincial health insurance plan: Belgium, Denmark, Finland, France, Greece, Luxemburg, Norway, Portugal, Sweden.
If you are already covered under the RAMQ, check the expiration date on your health insurance card. It must be valid throughout the entire duration of your studies at ÉTS.
Students without a valid health insurance card must pay health insurance fees for foreign students. These fees are not reimbursable.
Your health insurance card usually has the same expiration date as your Québec Acceptance Certificate.
Moving? Notify the RAMQ!
Update your address with RAMQ so that you’ll know when to update your health insurance card.
If you are registered at ÉTS and your health insurance card expires before you present your new card at the registrar’s office, you will have to pay the fees for health insurance for foreign students the week after your card expires!
For more information about the RAMQ:
Desjardins Group Insurance Plan for Foreign Students
Foreign students covered by the Desjardins Group Insurance Plan (policy Q178) will receive an e-mail in their ÉTS inbox advising them of the date on which they can come and pick up their card from the registrar’s office.
More information about Desjardins Health and Hospitalization Insurance:
See the list of medical clinics suggested by the insurer (PDF, in French). Please note that you can choose to consult another doctor in the clinic of your choice.
What does Desjardins insurance cover?
This insurance plan covers medical and hospital fees as well as prescription medication. It also includes a guarantee of repatriation in the event of death or disability. It does not cover dental care or vision care (glasses).
Please note that this is individual coverage and that your family members are not eligible.
How much does Desjardins insurance cost?
The cost of this insurance is automatically added to your tuition fees. See the leaflet of current rates (PDF, in French).
- Arrival for the fall session: Billing for 12 months (3 sessions)
- Arrival for the winter session: Billing for 8 months (2 sessions)
- Arrival for the summer session: Billing for 4 months (1 session)
Where and how can I pay for Desjardins insurance?
You must pay for your insurance when you submit your administrative documents. A monthly bill is available for lab interns who are exchange students or research students.
Accepted methods of payment:
- Credit cards
- Debit cards
- Money order or postal order
Medical fee reimbursement claims to Desjardins
To make a reimbursement claim, you must keep your medical bills and the fees must have been incurred less than a year ago:
Complete and print the health insurance claim form (PDF, in French).
Attach the original bills for your medical care and send all documents to the insurer.
You can also submit your claims through the insurer’s online services.
Health and Hospitalization Insurance for Members of Your Family
When you applied for your Quebec Acceptance Certificate, you committed to getting health and hospitalization insurance for yourself and all members of your family accompanying you, for the entire duration of your study abroad au Québec.
Visit the Ministère de l'Immigration, Diversité et Inclusion Web site to learn more about the prerequisites for obtaining a Québec Acceptance Certificate (PDF, in French).
Insurance for your family members with the RAMQ
If you are eligible for the RAMQ and a member of your family is accompanying you for the duration of your study abroad in Quebec, check his or her eligibility for provincial coverage:
If the member of your family accompanying you is not eligible for the RAMQ, you must join another insurance plan. Plan for an additional $1,000 per year in your budget.
As soon as you arrive Québec, you must contact insurance companies in Quebec to have your family members insured. This is your responsibility.