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International Student Health Benefits

International Student Health Benefits

International student health insurance coverage is through StudyInsured™.

The International Department coordinates enrolment of health care coverage for international students.

This cost is included in your annual student ancillary fees.

You will receive your policy information in your Northern College email account after the withdrawal date and should review your policy details carefully.

About StudyInsured™

International student health insurance coverage is 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:
    • New Students – Insurance coverage will begin on August 2 (Fall start only)
    • Returning Students – Insurance coverage will begin on September 1 (Fall start only)
  • Insurance certificates will be emailed to students after the start of the semester:
    • Early October for Fall intake
    • Early February for Winter intake
    • Early June for Summer intake.

For any questions, the StudyInsured™ Assistance team is available at studentassist@studyinsured.com or by calling toll-free at 1-866-883-9787.

Visit StudyInsured™ Website

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 automatically covered under the student’s health plan. All people in Canada require health insurance, and it is strongly suggested that students make health insurance arrangements for any accompanying family members as soon as possible. Students joined by parents, a spouse, or dependent children, have the choice to purchase the Explore Canada Plan directly from StudyInsured™ so long as the applicants are under the age of 70 and live at the same residential address as the student. The plan for family members is identical to the student plan, but the premium may be higher. Please visit www.studyinsured.com/northerncollegefamily to enrol your eligible family members. Other than parents, spouses, or dependents, other family members (siblings, cousins, etc) are not eligible and will need to purchase a Visitors to Canada insurance plan. StudyInsured™ provides an option to buy a Visitors to Canada insurance plan at www.studyinsured.com/northerncollege under the menu title Products.
  • 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 studentassist@studyinsured.com or by calling 1-866-883-9787 (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:

    • Early October for Fall intake
    • Early February for Winter intake
    • Early June for Summer intake
  • You must be a part-time or full-time 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 enroled as a student, your coverage will be invalid. Graduating students will have coverage for up to 30 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.
  • 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%. Pre-Approvals are required for some medical care. Please call 1.866.883.9787 and review the Explore Canada Plan policy wording for full details.
  • 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 over 240 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 2 (Fall start only)
  • Returning Students – Insurance coverage will begin on September 1 (Fall start only)

However, the insurance certificate will be emailed after the semester starts (see above question one, “When I receive my insurance card?”).

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 enrol your family members and pay the premium using a credit card on the custom website. You will need your international student insurance policy number located on your wallet card in order to enrol an eligible family member:

https://www.studyinsured.com/northerncollegefamily

The plan is identical to the student plan, but the rate for the family member premium might be higher than the student plan.

Note: Northern College is offering this as a convenient option only. You are not required to purchase family coverage for family from MSH/StudyInsured and are free to explore other products as you wish.

Yes, there is a Visitor to Canada Insurance Plan option available online for any visitors to Canada who will need insurance. Your friends or family members staying in Canada for a short period can enrol and pay the premium with a credit card.

https://www.studyinsured.com/northerncollege/en/product/7/discover-Canada

Note: Northern College is offering this as a convenient option only. You are not required to purchase family coverage for family from MSH/StudyInsured and are free to explore other products as you wish.

  • 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 – Call 1.866.883.9787 and have your policy number ready. 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.
  • Pre-Approval Requirements – Call 1.866.883.9787 and have your policy number ready. StudyInsured™ Assistance must approve in advance any surgery, invasive procedure, major diagnostic testing or major medical treatments, or medical treatment outside of Canada before any expenses are incurred.
  • Major Diagnostic Testing means diagnoses which require magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and/or biopsies.

In the event you withdraw from the college or transfer to another institution, your insurance coverage will automatically be canceled.

International students shall reach out to wdrequest@northern.on.ca for the insurance withdrawal/refund assessment.

If a student makes any claim under the insurance plan while enroled, they are not eligible for a refund.

 

Refund Criteria

A full refund ($740) is granted if the withdrawal request is submitted before or within the first 10 days of the first semester and the student did not use (make a claim) the insurance plan during this period.

After the first 10 days of the first semester, a pro-rated refund is available if no claims were made under the insurance plan. The refund amount will be the annual premium ($740) – the daily rate ($2.10)* the number of total insured days.

To be eligible for a refund, students must provide the following documents:

  • Official Withdrawal Requests (Must include the student’s full name and student ID)
  • Health Insurance Wallet Card or Insurance Policy Number (Proof of enrolment in the insurance plan)
  • Canadian Address and Banking Information (Required for processing a cheque refund)

Once the withdrawal request and supporting documents are submitted it may take up to two weeks to process the withdrawal. Refunds may take up to eight weeks to be processed.

If the refund is not received within this timeframe, students should email wdrequest@northern.on.ca to check the status of their request.

 

Family Members & Dependents: This procedure excludes the insurance withdrawal/refund of the family members or their dependents. Students shall reach StudyInsured directly for their family member(s) or dependent(s)’ insurance refund.

For international graduates, the insurance plan is extended for an additional 30 days after the last day of their final semester.

Graduating students have 90 days after their insurance coverage expires to submit claims for any medical expenses incurred prior to the expiry date.

The last day of the final semester is published in the college’s Academic Calendar for that year.

Orientation Package & Webinar

An Orientation to Health Insurance Coverage with StudyInsured™ was held via Zoom on January 15, 2025.

StudyInsured™ Orientation Package [PDF, 4.3 MB]

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