List of health insurance plans

List of health insurance plans
Personal Protection - 18 to 59 years old
Hospitalization and Diagnostic Services

Hospitalization

100% reimbursement (no deductible) of expenses for semi-private room accommodation:

  • In a hospital for short-term medical care, unlimited number of days
  • In a public or private convalescent home, or in a rehabilitation centre, combined maximum of 90 days per year
  • Compensation of $25 per day of hospitalization from the 4th to 18th day inclusive, if you have to stay in a ward due to the unavailability of a private or semi-private room.

Diagnostic Services

80% reimbursement, after the annual deductible of $50, of the following eligible expenses :

  • laboratory tests : blood and urine tests, throat culture and cytology
  • Scanner (CT scans), up to $250 per calendar year
  • magnetic resonance imaging (MRI), up to $675 per calendar year
  • ultrasound, up to $100 per calendar year
  • polysomnography, up to $500 per period of 24 months
  • home nursing care by a registered nurse, up to 20 8-hour periods, maximum 160 hours per calendar year
  • purchase or rental of non-motorized wheelchair or manual hospital bed
  • emergency ambulance transportation (for people under the age of 65)

Please note: the Hospitalization and Diagnostic Services benefits are payable up to a lifetime maximum of $100,000.

Travel Insurance - 15 Day Medical Coverage

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 15 days or less.

Hospital, medical and paramedical expenses

  • Cost of hospitalization
  • Physicians' fees
  • Nurse's services
  • $2,000 per accident for dental care after an accident
  • $200 for a dental surgeon's fees for any other emergency treatment
  • $100 per hospitalization for hospital-related expenses
  • Laboratory tests and X-rays
  • Drugs prescribed by a physician, in case of an emergency
  • Purchase or rental of crutches, canes, and splints
  • Rental of wheelchairs, orthopedic devices, and other medical devices

Subsistence allowance

$3,000 (maximum $200 per day) for accommodation and meals when return must be delayed.

Transportation expenses

  • Transportation costs to the nearest medical facility
  • Repatriation to Quebec
  • Round-trip for a family member or a friend to visit the insured hospitalized outside Quebec
  • Baggage return when the insured is repatriated for medical reasons, up to a maximum of $300 
  • $7,500 for preparation and repatriation of the deceased or for cremation or burial at place of death

Medical Follow-up in Canada

When the insured is repatriated in Canada for medical reasons, the following expenses are covered:

  • Cost of a semi-private room in a hospital or a rehabilitation centre or a convalescent home up to a maximum of $1,000
  • Fees for home nursing care, up to a maximum of $50 per day, maximum 10 days
    Cost for the rental of medical devices such as crutches, standard walkers, canes, up to a maximum of $150
  • Cost for transportation by an ambulance or taxi in order to receive medical care up to a maximum of $250

Travel assistance

Telephone service available 24 hours a day, 7 days a week, offering the following services:

  • Referral to a physician, hospital or to a lawyer in case of accident
  • Follow-up on medical file and settlement of certain formalities
  • Coordination for repatriation or transportation of a family member
  • Assistance in the event of loss or theft of identity papers and services of an interpreter for emergency calls
  • Information on embassies and consulates