International Student Health Benefits
Fall 2024 Intake: StudyInsured
Starting in Fall 2024, international student health insurance coverage will be provided through StudyInsured.
The ‘Explore Canada’ student plan covers basic and emergency health care for international students.
For detailed information on coverage and how to make a claim, visit www.studyinsured.com/northerncollege.
Coverage Details:
- Coverage begins prior to the start of the semester:
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- New Students: Insurance coverage will begin on August 5, 2024
- Returning Students: Insurance coverage will begin on September 1, 2024
- Insurance certificates will be emailed to students after the start of the semester:
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- Early October for Fall intake
- Early February for Winter intake
- Early June for Summer intake.
For any questions, the StudyInsured team is available at studentteam@studyinsured.com or by calling toll-free at 1-855-649-4182.
Important Notes:
- Pre-Existing Conditions: There is a 90-day stability period. Any sickness, injury, or medical condition that was not stable in the 90 days prior to the effective date of the policy will not be covered.
- Family Members: Family members are not covered under the student health plan. Students with families may purchase additional health insurance for their immediate family members residing in Canada. The plan for family members is identical to the student plan, but the premium may be higher.
- Emergency Medical Assistance: Using emergency services at the hospital for non-emergency or routine health issues may result in your claim being denied Should this happen, you will be solely responsible for paying the hospital, which may be very expensive. In the case of a medical emergency where you do require emergency care at the hospital, it is the student’s responsibility to ensure that StudyInsured Assistance is contacted by them or someone on their behalf within 48 hours regarding any emergency medical assistance. If StudyInsured Assistance is not contacted within 48 hours, benefits under this policy may be limited. They can be contacted by emailing studentteam@studyinsured.com or by calling 1-855-649-4182 (toll-free).
Frequently Asked Questions (FAQ)
You can expect to receive your StudyInsured™ insurance wallet card (insurance policy certificate) via email after the start of the semester:
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- Early October for Fall intake
- Early February for Winter intake
- Early June for Summer intake
- You must be an international student at Northern College with a current passport and/or student visa, under the age of 70, residing in Canada, and registered under this policy during the coverage period.
- You are eligible for the plan only if you remain an active student at Northern College. If you leave Northern College for any reason and are no longer enrolled as a student, your coverage will be invalid. Graduating students will have coverage for up to 60 days after the end of their final semester.
- 24/7 Assistance: StudyInsured™ Assistance is available 24/7 for any questions about the insurance plan or processes in any language at 1-866-883-9787.
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- Important: Serious injuries and illnesses must be reported to StudyInsured™ Assistance ASAP by phone. If not notified within the first 48 hours, eligible claim payments may be reduced to 80%.
- Virtual Health Appointments: Available 7 days a week through Maple, a partner of StudyInsured. Members must register a profile online and then can request an appointment at any time using the online system.
- Mental Health Support: StudyInsured offers a 24/7 mental health phone line through their Stay Healthy at School program, available in more than 100 languages. Students can call the line directly or choose option 3 from the menu when calling StudyInsured Assistance.
You will be automatically enrolled in this health insurance plan. Details regarding your health insurance card and policy information will be sent to you by email once you are registered in the health plan.
Coverage starts prior to the start of the semester.
- New Students: Insurance coverage will begin on August 5, 2024
- Returning Students: Insurance coverage will begin on September 1, 2024
However, the insurance certificate will be issued by email after the start of the semester (see above).
Students will be required to “pay out of pocket” before they get their insurance card and can claim from the insurance provider for the medical expenses once they receive their insurance card (or wallet card).
The cost of the insurance plan is included in your annual student ancillary fees.
Yes, you can enroll your family members and pay the premium using a credit card on the insurance webpage. The plan is identical to the student plan, but the rate for the family member premium might be higher than the student plan.
Yes, there is a Visitor to Canada Insurance Plan for any visitors to Canada who will need insurance. Your friends or family members staying in Canada for a short period can enroll and pay the premium with a credit card.
- 90-day stability period: Any sickness, injury, or medical condition that was not stable in the 90 days prior to the effective date of the policy will not be covered by the insurance.
- 48-hour notifying window: It is your responsibility to ensure that StudyInsured Assistance is contacted by you or someone on your behalf within 48 hours regarding any Emergency Medical Assistance. If StudyInsured Assistance is not contacted within 48 hours, benefits under this policy may be limited.
In the event you withdraw from the college or transfer to another institution, your insurance coverage will automatically be canceled.
Prior to Fall 2024: MorCare
Prior to September 2024, health coverage for international students is through Morcare.
Every international student whose study status is full-time “registered” or “enrolled” (or who have received the “CoR” letter) will be insured by the Morcare International Student Insurance plan (mandatory), which is equivalent to OHIP (Ontario Health Insurance Plan).
For more information and to access your account, please visit https://morcare.ca/.
Coverage includes mental health counselling with WeConnect.
Important Information for Opt-Out: All full-time registered students are automatically enrolled in the student Health and Dental Plan. To opt-out of our benefits, you can do so online as long as you have coverage by another provider.
Insurance coverage begins 30 days before the start of the semester.
You will be able to download your international insurance certificate at the end of the first month of your first semester via https://morcare.ca/your-space
You will be required to pay any medical bills out of pocket before you receive your health insurance certificate. These medical expenses can be claimed for reimbursement through your Morcare account once it is activated. Be sure to keep your receipts.
Please note:
- The insurance premium is charged each academic year (the previous September 1st to August 31st next year) and is not prorated for Winter and Spring intake students.
- Family Insurance: You may select the family plan within 30 days of the effective date of your insurance plan. The family plan will not be accepted if the member does not opt in their family within the 30-day period. Please contact Morcare by logging in to your secure account at https://morcare.ca/home/77-northern-college-international-students-