Medical and hospital expenses incurred in Quebec and relating to an illness, pregnancy, or injury are covered. Coverage also applies elsewhere in Canada if expenses are incurred due to an emergency. All of these expenses are covered, up to the limits indicated.
With the exception of hospitalization expenses, an annual deductible is applied to eligible expenses before issuing a reimbursement.
For individual coverage, the deductible is $50; for single-parent and family coverage, the deductible is $100.
Reimbursement at 100%, no deductible, of expenses for semi-private room accommodation:
The 3-day waiting period applies to any new admission in a hospital.
Reimbursement at 100%, with deductible, of the following expenses:
Reimbursement at 80%, with deductible, of the following expenses, with a maximum of:
Reimbursement at 80%, with deductible, of the following expenses, with a maximum of:
Reimbursement at 80%, with deductible, of the following expenses, with a maximum of:
When you travel outside of Quebec, this coverage reimburses expenses and services arising from an emergency due to an accident or a sudden illness.
The maximum reimbursement is $5 million per insured per trip of 14 days or less.
$3,000 (maximum $300 per day) for accommodation and meals when return must be delayed.
When the insured is repatriated in Canada for medical reasons, the following expenses are covered:
You are covered when an unforeseeable event keeps you from making your trip as planned. The expenses are reimbursed, up to $2,500 per trip and per insured, if:
Telephone service available 24 hours a day, 7 days a week, offering the following services:
Reimbursement at 100%, no deductible
This protection covers the part not insured by Quebec Medicare under the Act Respecting Prescription Drug Insurance:
It also covers reimbursement for certain prescription drugs not on the Quebec Medicare list.
Dental benefits are subject to a $50 deductible per year, per contract.
For the first complete year, the maximum total reimbursement per insured person is $500. If your contract comes into force during the current year, the maximum will be calculated in proportion to the number of complete months between the effective date of the contract and December 31 of the current year. For the subsequent years, the maximum reimbursement per insured person is $1000 per year. This coverage offers you top-quality care without hurting your budget.
These treatments are covered 80%, after deductible:
These treatments are covered 50%, after deductible
This coverage reimburses all costs incurred in Canada after hospitalization when you are unable to perform without assistance at least 2 out of 5 activities of daily living. Activities of daily living are defined as: feeding oneself, getting dressed, using the washroom, moving around, as well as personal care and hygiene.
In the case of a fracture or cancer, prior hospitalization is not required to be covered.
You may choose our Regular Option or our Extended Option
Regular Option | Extended Option | |
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Eligible expenses covered at 100% |
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Eligible expenses covered at 80% |
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*The number of days covered is determined according to the duration of hospital stay and expenses must be incurred within a maximum period following discharge from the hospital. Number of days coveredThe number of days covered is based on the duration of the hospital stay. Expenses must be incurred within a maximum benefit period after being discharged from the hospital. |
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Duration of hospital stay | Number of days covered | Maximum period to incur expenses |
1 to 3 days | 5 | 7 days |
4 to 7 days | 7 | 14 days |
8 to 14 days | 14 | 28 days |
15 days and over | 21 | 35 days |
Get free medical support
With every eligible health insurance plan purchased, you can talk to a doctor online, obtain and renew prescriptions, all from the comfort of your own home.