Medical Insurance

 

iAgroupefinancier_logo

Provider: iA Groupe Financier (formerly known as Industrielle Alliance)

Membership terms

You have to work for the university for 4 months, without any breaks longer than 6 months, and be covered by RAMQ. The forms can be found here.

Enrolment is mandatory, unless you are already covered by your spouse’s plan.

Coverage

The insurance company refunds 80% of all covered expenses, with certain exceptions that are 100% covered.

Here are a few examples of covered expenses (Complete list available here):

  • Prescription drugs
  • Ambulance
  • Accessories for people suffering from diabetes
  • Orthopedics
  • Artificial limbs

How much does it cost?

 

Plan

Costs for postdoc

(Per pay)

Cost for University

(Per pay)

Annual deductible 

Individual

(Postdoc only)

0 $

25,47 $

50 $

Single parent
(Postdoc and children)

0 $

38,22 $

75 $

Couple
(Postdoc and spouse)

25,47 $
(Spouse only)

25,47 $

100 $

Family
(Postdoc, children et spouse)

25,47 $
(Spouse only)

38,22 $

125 $

 

How to make a claim?

You must fill in this form and send it to the insurance company. The forms can be found here.

Most pharmacies have automated connexions to insurance companies and will handle your claim before you have to pay. However, if your pharmacy doesn’t, or if you are claiming for something other than prescription drugs, here is the procedure.

  1. Pay for the drug or service;
  2. Fill out the form;
  3. Make a copy of the form and receipts (for your records);
  4. Send the ORIGINALS to the company (the address is on the form).