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Canadian Citizens & Permanent Residents: Undergraduate Students

Note: In Canada, there are two types of medical insurance: primary and secondary. At SFU both Primary and Secondary Medical Insurance are required.

Note: Both Primary Insurance and Secondary Insurance are required.

This page is regularly reviewed and was last updated on May 19, 2021

PRIMARY INSURANCE

Primary medical insurance covers services that require medical attention, such as visits to doctors, hospital stays and diagnostic medical testing. Primary medical insurance is legally required for all residents of British Columbia and is provided through the BC Medical Services Plan (MSP).

Moving to BC from another province?

Canadian students who do not plan to take up permanent residence in BC may be able to remain on your home province's medical plan. Check with your home province.

If you are not able to remain on your home province coverage, you must apply for the BC's Medical Services Plan.

Are you a Canadian citizen or permanent resident moving to Canada? 

You must apply for the BC's Medical Services Plan. You must also ensure that you have medical insurance during the waiting period coverage gap.

BC Medical Services Plan (MSP)

Cost: Medical Services Plan (MSP) premiums were eliminated as of January 1, 2020.
Enrolment: Need to apply
More Info: BC MSP website

Common Questions:

What is the 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 new residents. In order to be covered during the wait period you may purchase a private medical insurance plan or please contact International Services for Students to learn about medical insurance options.

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 Enrolment form by mail and mail it directly to BC MSP.

If you are eligible, you can apply as soon as you arrive in BC. Please note there is a wait period of 2-3 months for new residents before your coverage begins. In order to be covered during the wait period you may purchase a private medical insurance plan or please contact International Services for Students to learn about medical insurance options.

If you are a returning student travelling back to BC, in order to be covered during the wait period you may purchase a private medical insurance plan. Please contact International Services for Students about temporary medical insurance options to cover the MSP waiting period. 

How does BC MSP work?

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

SECONDARY INSURANCE

Secondary medical insurance generally covers vision care, prescription drugs, dental and extended health care. Eligible SFU students receive secondary medical insurance through the SFSS/GSS Extended Health and Dental Plan. If you are working as a TA, you may receive coverage through another provider as part of your employment contract.

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

SFSS Health and Dental Plan

Cost:

  • $254.36/ academic year (Enhanced Plan) or $197.52/ academic year (Basic Plan)*
  • $84.79 from May 1 - Aug 31 for students eligible to enrol themselves*

Enrolment: Automatic (except if entering in summer term). May-start students can self-enrol for their first semester at SFU during the Change-of-Coverage Period.

More Info: SFSS Health and Dental Plan website

*prices are subject to change without notice

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. 

Eligible students are automatically covered by and billed for applicable portions of the student Plan. Note that Plan benefits are only accessible within Canada.

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

You may opt out of the SFSS health and dental plan if you have existing secondary medical insurance 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 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