Global Campus Health Plan for Simon Fraser University

1. Who may purchase the Global Campus Health Plan?

2. Are dependents of eligible students or staff members able to purchase the Global Campus Health Plan?

3. When can I enrol in the Global Campus Health Plan?

4. If I enrol online, how will I know that you have accepted my purchase?

5. Will I obtain proof of insurance?

6. When will my coverage begin?

7. What should I do if I require treatment, but I haven’t received my insurance ID card?

8. If I have an existing medical condition prior to the effective date of the coverage, will the condition be covered?

9. Is outpatient treatment (i.e. not treated in a hospital) for mental disorders covered under the Global Campus Health Plan?

10. Is pregnancy covered?

11. Is birth control covered?

12. Am I covered while playing sports or participating in recreational activities?

13. Is there dental coverage?

14. Can I choose my own doctor and hospital?

15. Am I required to pay for medical treatment that I seek?

16. How soon can expect reimbursement for payment I incurred for medical treatment?

1. Who may purchase the Global Campus Health Plan?

International students studying in Canada under the age of 65.

Foreign faculty members or staff members (who have valid work authorization in Canada and under the age of 65) working at SFU may purchase coverage for their 3 month waiting period for the BC Medical Services Plan (MSP).

2. Are dependents of eligible students or staff members able to purchase the Global Campus Health Plan?

Yes. A dependent is defined as:

a) The spouse* of the eligible student or staff member (but excluding those legally separated), and under the age of 65.

b) Unmarried children, step-children, foster children and legally adopted children, who are dependent on the eligible student or staff member for support, provided that such children are not less than 15 days old and not more than 18 years old at the date the policy was purchased (or 24 years old provided it can be proved that the child is continuing in full-time education).

* In the policy wording, `spouse' is taken to mean a spouse by marriage or a common-law spouse or partner who lives with the eligible student or staff.

If your dependents are not eligible for the Global Campus Health Plan, they may enrol in one of the other plans offered by David Cummings Insurance Services (DCIS).

Use the appropriate form on the Family Members page of this website.

3. When can I enrol in the Global Campus Health Plan?

You can download an Enrolment Form for the Global Campus Health Plan prior to your departure from the home country. When this is done, you ensure that your coverage will begin the moment you arrive in Canada. Furthermore, you would be covered for the travel from your home country to Canada for no extra charge if your total travel time is 10 days or less. We strongly advise students to take advantage of this extra feature by enrolling prior to departing for Canada and thereby also not running the risk of being uninsured for any days in Canada.

Enrolment can also be done after arrival in Canada.

4. If I enrol online, how will I know that you have accepted my purchase?

There is currently no live online application available. The application form must be downloaded and sent to us by email, fax or mail. See Question #5 re proof of insurance.

5. Will I obtain proof of insurance?

Once we have your insurance order, we send your insurance kit (including an insurance ID card, policy wording, and claim form) to the Canadian mailing address indicated on your application. If you do not yet have a Canadian mailing address, we will send your insurance documents to the SFU International Office (MBC 1200 – Maggie Benston Centre) for you to pick up.

Your health insurance ID card is an essential piece of identification, along with your SFU student ID. During your coverage dates, keep your insurance ID card and your student ID with you.

This website also contains the policy wording in the Coverage Page, and extra claim forms can be printed from the Claims Page.

6. When will my coverage begin?

You will be covered from the date you arrive in Canada, if you enrol within 15 days of your arrival date. For example, if you arrive on Jan. 1st 2006 and enrol on or before January 15th 2006, your insurance would be effective from your arrival date. If you apply more than 15 days from your arrival date in Canada, your coverage would begin on the day we receive your application and payment.

If you enrol before you depart for Canada, you would also be covered (at no extra charge) as you travel from your home country to Canada so long as your travel is not more than 10 days.

7. What should I do if I require treatment but I haven’t received my insurance ID card?

In a medical emergency, the priority is to get medical treatment as quickly as possible. In this case you would be billed for the medical service. As soon as you are able to, notify DCIS or an international student advisor that you have received medical treatment and that need your health insurance documents to make a claim.

If it is not an emergency, you may first contact DCIS to see if your application form was received and if it has been processed. If we have your application and payment, simply tell us that you need to seek medical attention and request that your insurance ID card and claim form be emailed or faxed to you.

8. If I have an existing medical condition prior to the effective date of the coverage, will the condition be covered?

You are not covered for maintenance care (including prescription medication) or non-emergency treatment for a pre-existing medical condition. However, any unforeseen emergency related to a stable* pre-existing medical condition would be covered. Please note that any follow-up care required after the emergency has passed would not be covered.

*Please see the definition of stable in the policy details

9. Is outpatient treatment (i.e. not treated in a hospital) for mental disorders covered under the Global Campus Health Plan?

Consultation with a psychologist, psychiatrist, or counsellor is covered to a combined maximum of $2500 per policy year per Insured on outpatient basis. However, please cross-reference the pre-existing medical condition exclusion.

10. Is pregnancy covered?

No.

11. Is birth control covered?

No.

12. Am I covered while playing sports or participating in recreational activities?

Yes. However certain activities, such as, mountaineering, scuba diving, rock or precipice climbing, hang gliding, paragliding, sport parachuting, sky diving, athletic or sports activities for remuneration or prize money, or while riding or driving in or on any motorized vehicle or device in any race of speed contest are excluded under the coverage.

13. Is there dental coverage?

Yes. Please refer to “Emergency Dental Care” and “Accidental Dental Care” sections of the policy wordings for details. Please note that routine dental treatments such as cleaning, filling etc. are not covered. If in doubt, please contact David Cummings Insurance Services (DCIS) or Norfolk Mobility Benefits Inc.

14. Can I choose my own doctor and hospital?

The Global Campus Health Plan does not restrict you to a specific list of doctors or hospitals, but you must be treated locally in the region of your studies.

If you are scheduled to have a test or medical procedure at a hospital, call Norfolk Mobility Benefits Inc. to get pre-approval for that procedure/test. This will also allow Norfolk Mobility Benefits Inc. to seek direct billing from the hospital so you do not have to pay up front.

If you are hospitalized due to an emergency, contact must be made to SelectCare immediately, or as soon as reasonably possible.

15. Am I required to pay for medical treatment that I seek?

Out-patient costs are normally required to be paid up-front, and then you would seek reimbursement for eligible medical expenses by the insurer. You are required to file a medical claim with the insurer. For more details on the claim procedures, please go to the “Claims” section of this website. Extra claim forms can also be printed from the website. It is not really necessary to have the doctor complete the claim form on your behalf. Just describe in brief and simple wordings the reason for your visit and the diagnosis that the doctor gave to you about your sickness or injury.

16. How soon can I expect reimbursement for payment that I have incurred for medical treatment?

From the time Norfolk Mobility Benefits Inc. receives the necessary documentation for your claim, it normally takes five to ten business days for claims to be paid. The most common reason for delays in processing claims involves incomplete claim forms.