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Group Policy #0091936000 International Group Policy #92652

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Coverage is mandatory for all international students attending Dalhousie University.
Only Sponsored students (WUSC, CBIE, Libyan, Saudi) exchange students with coverage from their university or students with MSI/Private Coverage are permitted to submit an opt-out application.
This plan provides coverage for doctor visits, hospitalization, x-rays, lab tests, repatriation and more.
If you have a pre-existing medical condition, coverage may be limited.
If you need to see a doctor or nurse, please click here for health care options.
If you want to confirm eligibility of a service, you can complete a pre-determination form and submit to Medavie Blue Cross. The pre-determination form is found here.
Please download the My Peak mobile app for all of your health plan resources. Click here for more information.

This portion of your insurance coverage is for medical expenses if you are sick or injured and require medical care. Your policy covers these expenses at 100% and there is no deductible or co-pay for you.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.

Medical Coverage

Mental Health

Transportation

Pregnancy & Maternity

Travel

General Exclusions

My Peak Mobile App

Coverage Assistance

International Plan Opt-Out Requirements

Companion Plan

DermCafé

Doctors’ visits if you are feeling sick or are injured, here are some examples of issues you would be covered for.

Ear infections
Headaches
Rashes
Acne
Sexual health
Female exams
Male exams
Transgender care
Stomach pains
Ore throat
Chicken pox
Hives
Sprains and fractures and broken bones
UTI (Unitary Tract Infection)
STI (Sexual Health Infections)
Bladder Infections
Kidney Infections
Cuts and Lesions
Stitches & Casting
Counselling services
Medication needs including prescribing and refills
Stitches
Diabetic support

Submit an Eligibility Review!

If you are unsure if your medical or health care procedure will be covered by the plan, you can submit a pre-determination form before you receive your services or procedure.

This is just a summary list of medical examples that may be covered by the plan and does not include all eligible illness or injuries. All claims are reviewed for approval based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are able to.

If you are having a medical emergency, you must call 911 and /or proceed to the nearest hospital. A medical emergency can include things like:

Trouble breathing
Loss of breath
Uncontrollable breathing
Numbness in the body
Sudden loss of vision or hearing
Sexual Assault
Physical Assault

This is just a summary list and does not include all types or examples of a medical emergency and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.

Coverage for hospitalization if you need to stay in the hospital.

Sometimes after a medical emergency or accident you are required to stay in the hospital to be treated and taken care of. This can include
·         During or after a severe sickness or illness
·         After an accident such as a car accident or a slip and fall
·         After a head injury or concussion
·         While waiting for surgery or specialized care
·         After surgery
·         After giving birth
·         Experiencing a mental health concern

This is just a summary list and does not include all examples or reasons why someone would need to stay in the hospital and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.

Lab tests also known as diagnostic testing is often required to diagnose an illness and prescribe the proper medications or care.

Lab tests may be required for the following:

Sexually Transmitted Infections (STI’s)
Confirm pregnancy
Test for viral and bacterial infections such as Strep Throat

This is just a summary list and does not include all examples or reasons why someone would need lab tests and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.

When you are injured, you may be required to get an image to help the doctors and nurses determine what is wrong or how severe your illness or injury may be. Reasons why a doctor may need an x-ray, MRI, CT scan or Ultrasound.

Broken or fractured bones
Head and or neck injury
Back injury
Confirm if you have appendicitis
Confirm pregnancy
Diagnose an illness

This is just a summary list and does not include all examples or reasons why someone would need x-rays and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.

This portion of your insurance coverage is for medical expenses if you are sick or injured and require medical care. Your policy covers these expenses at 100% and there is no deductible or co-pay for you.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.

Click here to view your International Health Plan Policy

Taking care of your mental health is just as important as taking care of your physical health. Sometimes you may just need to talk to someone and sometimes you may need therapy and medication or something else.

No matter what your mental health journey looks like, you have coverage through your plan to support your mental health care.

Visits to a psychologist or psychiatrist- 100% covered up to $10,000
Visits to a social worker – 100% covered up to $500
Hospitalization due to a mental health illness or concern such as anxiety, depression, bipolar, schizophrenia or other- 100% covered up to $60,000 (lifetime maximum)
Psychiatry fees billed separately during your time in the hospital – 100% covered up to $60,000 (lifetime maximum)

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

The Medical & Wellness plan also includes coverage for various transportation needs including:

Ambulance – Up to $10, 000
Taxi or Uber to hospital- Up to $125
Repatriation (you are sick and must return home permanently) – up to $20,000
Repatriation of remains (transporting your body to your home country) – up to $20,000
Supplemental Expenses for family (i.e. accommodation, food) $150 day up to $1,500 max

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

The Medical & Wellness plan includes coverage for pregnancy, terminations (abortions), miscarriages, delivery and more.

Maternity expenses including ultrasounds, lab tests, doctor visits, delivery and well-baby care for up to 6 months post-birth - $25,000
Miscarriage – Covered under $25,000 maternity benefit
Pregnancy Termination (Abortion) – 1 per policy year

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

Your plan includes travel coverage across the globe!

Travel within Canada: Unlimited duration
Travel outside of Canada for leisure (fun, personal): 120 days
Travel outside of Canada for school (i.e., co-op): Up to 184 days as long as 51% of the policy year is spent in Canada
Travel to your home country: 31 days max up to $10,000 coverage
Family Travel to your bedside (if you are hospitalized for more than 7 days): $5,000 for airfare for 2 immediate family members

You do not need to let studentVIP know when you are travelling.

Please ensure you have your Health Plan Card with you when you travel in the event you need to contact emergency assistance and or seek medical help.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

While the medical & wellness plan is very inclusive, there are things that are not covered by the insurance.

If you are unsure if your medical or health care procedure will be covered by the plan, you can submit a pre-determination form before you receive your services or procedure.

Immigration Medical Exams including Medical Assessment fees, testing, imaging, or other services required for third-part exams.
Medical expenses for a pre-existing medical condition that was not stable for 90 days before the coverage began.
Services provided by a family member
An Illness or injury resulting from non-compliance with medical treatment or therapy that has been prescribed;
participation in a criminal act or attempt to commit a criminal act, regardless of whether charges are laid or a conviction is obtained
Services, treatment or supplies that are:
- not incurred as a result of an Emergency;
- not Medically Necessary;
- for cosmetic purposes only;
- elective in nature; or
- experimental or investigative.

This is not the full list, please review your policy here for full details or contact studentVIP or Medavie Blue Cross.

Please download the My Peak mobile app for all of your health plan resources.
Click here for more information.

If you have questions about your coverage, you can contact two offices for assistance:

Student VIP:

info@studentvip.ca
1-888-918-5056
Monday – Friday
8:30am-4:30pm EST
We can also be contacted via live chat from the button on our home page.

Medavie Blue Cross:

Email: dalhousie @medavie.bluecross.ca
Phone: 1-833-867-3468

Students that wish to opt-out of the International Health plan (with MSI) must do so during the opt-out period set by DSU.

Please be aware that if your MSI card does not cover you until August 31, 2023, you are only eligible to opt out of the month(s) that you are fully covered. The full International Health Plan fee will NOT be removed from your account unless your coverage under MSI is in place until August 31, 2023.

If your MSI card expires throughout the year, please obtain a new card ASAP. You will be opted-out again once we receive a copy of your new card. Back-dated opt-outs will not be provided.

Additionally, students who successfully opt-out with MSI are charged a mandatory one-time fee of $41 for the Companion Plan, as MSI does not cover you outside of Nova Scotia, therefore the companion plan covers when you travel.

Can I use MSI to opt-out of the Extended Health & Dental plan?

No, MSI is not an alternative for Extended Health and Dental. These two benefit plans supplement your Basic Health plan (or MSI coverage).
If you have comparable coverage (through work, spouse, parents, etc.) you can submit an opt-out for Extended Health & Dental during the appropriate opt-out period.
Once you opt-out, you cannot opt back in during the policy year (September 1 to August 31).

If you are student on sponsorship through the Saudi Cultural Bureau, Libyan Government, CBIE, or Kuwait or any other sponsored program you are still required to submit an opt-out application by the deadline.

Fall: August 2, 2022 – September 16, 2022
Winter: December 15, 2022 – January 20, 2023
Spring: April 17, 2023 - May 20, 2023

You must complete the opt-out application and attached a picture of your health insurance card from your sponsored program.

Please note that sponsored students who start in the fall term and are looking to opt-out of the DSU Extended Health & Dental Plan must submit a second opt-out application through dalonline.dal.ca during the opt-out period to cancel their other plan.

Exchange students who have private health insurance from their home University only are eligible to submit an opt-out applicaton. If you have private insurance from your parents, spouse or work, it will not be accepted to opt out.

Your insurance coverage from your home university must include the following and you must provide a policy in English.

• 2 million dollars in coverage (CAD)
• Be active for the entire duration of your study period
• Include at minimum, coverage for hospitalization, outpatient care, surgery, lab tests, diagnostic tests, and repatriation
• Your policy must not contain any exclusions for medical services including hospitalization relating to being under the influence (i.e. alcohol) or for self-harm, self-inflicted injury, attempted suicide or suicide whether sane or insane.

Exchange students who do not have private coverage, can opt-out and receive a refund for the months they are not on exchange at Dalhousie. You must email or visit the DSU Health Plan Office BEFORE the opt-out deadline to apply to opt-out for the applicable terms.

Fall: August 2, 2022 – September 16, 2022
Winter: December 15, 2022 – January 20, 2023
Spring: April 17, 2023 - May 20, 2023

Please note if you use the plan (make a claim) a refund will not be granted.

Group Policy 92654

The Companion Plan is a mandatory plan that International Students are required to purchase if they opt-out of the International Student Health Plan with Nova Scotia MSI Coverage. The cost of the Companion Plan is a one-time fee of $41.00. This fee is added to your student account.

Why do I need this Coverage?

Even though you have MSI, it is only valid in Nova Scotia. This means, if you leave the province of Nova Scotia for any period of time, you would be not have coverage for medical emergencies and therefore be exposed to high costs if you were to get sick or injured while outside of Nova Scotia.

Additionally, when your provincial coverage is not in place (such as if you leave the province) the emergency travel coverage you may have through your DSU Health & Dental Benefits or through any other extended health plan will not be in effect as these plans require that provincial health care (or an equivalent plan) are in place.

What is covered?

Students are covered for 31 days outside of the province of Nova Scotia and outside of Canada (including their home country) for medical emergencies.

Click Here to view your Companion policy.

Book an appointment with a Canadian Dermatologist and have a virtual consultation from your home, dorm or anywhere in Canada.

BOOK HERE!

As a studentVIP, you are provided a special rate of just $195.00 per visit! Enjoy an additional discount of 5% on any products purchased from the online DermCafé.

Spring 2024 Opt-In/Out

Forms and Documents