International & US students
Note: Both Primary Insurance and Secondary Insurance are required.
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 email@example.com.
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 "graduate" 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.
- BC MSP card must be valid the day you opt-out from the guard.me plan. Expired BC MSP card will not be accepted as a proof of coverage.
- You must scan the front and back of your BC MSP card as well as the letter received with the card that shows the effective date of your MSP coverage.
- If you can not submit a BC MSP card, because you are waiting for it to arrive, you must submit a letter from BC MSP showing effective date of coverage.
- A Collections Notice can not be used to opt-out.
- If using BC MSP invoice, it must be for the term you are opting-out for (current term).
- The name and date of birth on your BC MSP card must match SFU records.
How can I make claims?
When visiting any of the SFU Health Clinics, present your guard.me card. 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.
I received my Carecard (MSP) before the end of my first term. May I apply for a partial refund of the 4 month policy?
You may be eligible for a refund of the unused portion of your insurance if you have not made a claim and there is more than 1 month of coverage remaining when you apply through guard.me@SFU. Your application for a partial reimbursement must be received by guard.me@SFU before the last month of the term (that is, before April 1, August 1 and December 1). If approved, your partial refund will be applied to your SFU account.
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.
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.
What is the GSS Benefit Plan?
The Graduate Student Society (GSS) health and dental plan is in place to complement primary medical coverage (ie. BC MSP). Coverage includes: vision, dental, health, and travel benefits.
How and when can I opt out of the GSS Benefit Plan?
You may opt out of the GSS extended health plan if you have existing secondary coverage in BC. To opt out, you will be required to upload proof of coverage on the GSS Health and Dental website during the Change-of-Coverage Period. This will be during the first two weeks of each term.
Please visit their website for more information.
How can I make claims?
You can submit health and dental claim forms directly to the insurance company. You may also file claims online through the ihaveaplan mobile app. For more information, and to download the app, click here.
*prices are subject to change without notice