Health insurance

As an international student, you are required to get the ITHQ medical insurance offered by Desjardins Insurance, unless you are exempt (see below).

Costs covered

Please carefully read the documents about your medical coverage and the possible exclusions:

• Information document on the group insurance plan for ITHQ international students (384 KB)
• Fact sheet about premiums (87 KB)
• Brochure about online services (469 KB)
• Chart comparing the coverage between the Régie de l'assurance maladie du Québec (RAMQ) and Desjardins Insurance (55 KB)

Coverage dates

• Fall semester : August 1 to December 31
• Winter semester : January 1 to Mai 31
• Summer semester : June 1 to July 31

Possible exemptions

Some countries have a social security agreement with the Government of Quebec that allows their nationals to receive benefits under the Quebec health insurance plan for the duration of their studies (consult the list of signatory countries).

Before leaving for Quebec, students who are nationals of one of the countries that have signed an agreement with Quebec must obtain proof of Social Security membership before leaving their country of origin.

Upon arriving in Montreal, you must go to the Régie de l'assurance maladie du Québec (RAMQ) with the required proof of Social Security membership and the following documents: passport, Québec Acceptance Certificate (CAQ) and proof of full-time registration.

Supplementary insurance

Internships

For internships in Quebec, Canada or abroad (except in the United States), Desjardins Insurance coverage will be in effect for a period of 120 days. You will receive more information about this at your pre-internship information session.

Dental insurance

Group insurance from Desjardins Insurance does not cover dental expenses. If you would like dental insurance, you can purchase the insurance offered by Alliance pour la santé étudiante au Québec (ASEQ). Note that this insurance is optional.

Summary of options

	French students entitled to RAMQ coverage	Other international students entitled to RAMQ coverage	French students not entitled to RAMQ coverage (expatriates)	Other international students
RAMQ coverage only – basic coverage excluding dental and vision care	French students entitled to RAMQ coverage	Other international students entitled to RAMQ coverage
RAMQ and supplementary ASEQ coverage – dental	French students entitled to RAMQ coverage	Other international students entitled to RAMQ coverage
Desjardins Insurance	French students entitled to RAMQ coverage	Other international students entitled to RAMQ coverage	French students not entitled to RAMQ coverage (expatriates)	Other international students
Desjardins Insurance and supplementary ASEQ coverage – dental	French students entitled to RAMQ coverage	Other international students entitled to RAMQ coverage	French students not entitled to RAMQ coverage (expatriates)	Other international students

Need more information?

If you have any questions, contact us at international@ithq.qc.ca.