International & US Students

Note: Both Primary Insurance and Secondary Insurance are required.

Note: Both Primary Insurance and Secondary Insurance are required.

PRIMARY INSURANCE

Staying in BC for 6 months or longer? Under the Medicare Protection Act, enrollment with the Medical Services Plan (MSP) is mandatory for all eligible residents and their dependents.

Apply for BC Medical Services Plan (MSP) and OPT OUT of guard.me@SFU.

Cost: $281/ term* (as of Fall 2017)
Enrollment: Automatic (upon enrollment in classes)
More Info: guard.me@SFU website

Common Questions:

What is guard.me@SFU?

Guard.me@SFU is a short term primary medical insurance coverage. The goal of guard.me@SFU is to help you transition while you are waiting for your BC MSP. If you plan to live in BC for more than 6 months, under the Medicare Protection Act, you must enroll with the mandatory BC Medical Services Plan.

How do I get the policy/ certificate number?

You will receive an email from guard.me@SFU regarding the policy/ certificate number. The policy information will be in an attachment. Make sure to keep this for future reference as you will need it for direct billing or to submit a claim.  If you have not received an email from guard.me@SFU, please contact them at admin@guard.me.

How and when can I opt out of guard.me@SFU?

You can opt out of guard.me@SFU once you have applied and received your BC MSP card. To opt out of guard.me@SFU, visit their website. Click the "undergrad" category and follow the opt-out instructions.

The opt-out periods for guard.me@SFU are the following:

Fall term: First day of classes until September 30

Spring term: First day of classes until January 30

Summer term: First day of classes until May 30

Note: changes may not be reflected right away.

Opting-out with BC MSP

In order to successfully opt-out from guard.me, please follow the instructions below.

How can I make claims?

When visiting any of the SFU Health Clinics, print out a copy of the email attachment from guard.me@SFU containing your coverage certificate. They will collect a copy for each visit and will directly bill guard.me@SFU on your behalf. No additional claim is required. 

For clinics that do not allow direct billing, you will need to pay upfront for the visit. Keep copies of all your payment receipts. To submit a claim, please visit guard.me@SFU to create an online account and upload copies of your receipts. 

Cost: $75/ month ($300/ term)*
Enrollment: Need to apply
More Info: BC MSP website

Common Questions:

What is BC Medical Services Plan (MSP)?

Students staying in BC for 6 months or longer are required to enrol in the British Columbia Medical Services Plan under the Medicare Protection Act. There is a wait period of 2-3 months for newcomers. In order to be covered during the wait period you may purchase a private medical insurance plan through guard.me.

BC MSP provides primary medical coverage such as:

  • services provided by a doctor
  • X-rays, lab tests (as required by a doctor) 
  • emergency dental and oral surgery in hospital

How and when can I apply for MSP?

To apply for BC MSP, complete the MSP Application online at this website.

You may also complete the MSP Application for Enrolment form by mail and mail it directly to BC MSP OR submit it to the ISS Office (MBC 1200) during the following period:

Summer term 2017: May 1- 30

We will no longer be mailing the BC MSP applications for Fall 2017. We recommend that you apply online.

Please note there is a wait period of 2-3 months for newcomers. In order to be covered during the wait period you may purchase a private medical insurance plan through guard.me.

How does BC MSP work?

Once enrolled, BC MSP will mail you a BC Services Card along with an invoice to pay. Payments may be made monthly or in advance. Payments are made directly to BC MSP, not through SFU.

When visiting a health clinic or hospital, you will be asked to show your BC Services Card as proof of enrollment. You will not be required to pay for the visit, they will bill BC MSP directly. 

SECONDARY INSURANCE

Do you already have an equivalent secondary insurance plan? OPT OUT of the SFSS Health and Dental Plan.

Cost: $267.75/ academic year (Enhanced Plan) or $207.91/ academic year (Basic Plan)*
Enrollment: Automatic (except if entering in summer term)
More Info: SFSS Health and Dental Plan website

Common Questions:

What is the SFSS Health and Dental Plan?

The undergraduate Simon Fraser Student Society Health and Dental Plan is in place to complement primary medical coverage (ie. MSP). Services not covered by primary coverage (ie. vision and dental care) are included in the SFSS plan.

How and when can I opt out of the SFSS Health and Dental Plan?

You may opt out of the SFSS health plan if you have existing secondary coverage in BC. To opt out, you will be required to upload proof of coverage on the SFSS Health and Dental website during the Change-of-Coverage Period. This will be during the first two weeks of each term. This is also the period where you can opt down from the Enhanced Plan to the Basic Plan.

Please visit their website for more information. 

How can I make claims?

Use the claim forms on the SFSS Health and Dental website to complete your request. Original payment receipts must be mailed with the form(s).

Please allow up to two weeks for claims to be processed. 

For claim forms and more information, please visit the SFSS Health and Dental website

*prices are subject to change without notice