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Medical Insurance
Undergraduate STUDENTS
All undergraduate students* are enrolled in the SFSS Health and Dental Plan and the plan fee is automatically included in your tuition fees. The plan runs from September to August of the following year, and is pro-rated for students new to SFU in Spring term.
See opt out details
Opt-out deadlines and change of coverage deadlines for the Health and Dental Plan are published at studentcare.ca
You can opt out if you provide proof to studentcare.ca of equivalent extended coverage. If you do not opt out you will owe the plan fee as charged.
Opting out must be done every year even if you have opted out before. If you provided proof of coverage to studentcare.ca in a previous year, you can log in to studentcare.ca within the Change of Coverage period and indicate that you still want to opt out.
If you are an international student studying from outside of Canada for all or part of the 2023 - 2024 academic year, you have additional options regarding opting out of your student health and dental plan. Please see studentcare.ca for more details.
Please see studentcare.ca for complete details (such as what is covered by the plan).
* except Distance Education students, new students beginning their studies in the Summer Term, and certain other categories of student. If you are not sure whether or not you have been enrolled, check your fee statement or contact Studentcare. If you are not automatically enrolled, you may be able to enrol yourself during the term's Change-of-Coverage Period. To opt-in, see studentcare.ca and look for Self Enrolment.
** students enrolled in the Professional Development Program (PDP), depending on the course(s), may opt-in or opt-out of the coverage during the term's Change-of-Coverage Period. To opt-in, see studentcare.ca and look for Self Enrolment. To opt-out, see studentcare.ca and look for Opt-Outs.
Graduate students
All graduate students* are enrolled in the GSS Health and Dental Plan and the plan fee is automatically included in your tuition fees. The plan runs from September to August of the following year, and is pro-rated for students new to SFU in Spring.
See opt-out details
Opt-out deadlines and change of coverage deadlines for the Health and Dental Plan are published at studentcare.ca. You can opt out if you provide proof to studentcare.ca of equivalent extended coverage. If you do not opt out you will owe the plan fee as charged.
Opting out must be done every year even if you have opted out before. If you provided proof of coverage to studentcare.ca in a previous year, you can log in to studentcare.ca within the Change of Coverage period and indicate that you still want to opt out.
If you are an international student studying from outside of Canada for all or part of the 2023 - 2024 academic year, you have additional options regarding opting out of your student health and dental plan. Please see studentcare.ca for more details.
Please see studentcare.ca for complete details (such as what is covered by the plan).
* except Distance Education students, new students beginning their studies in the Summer Term, and certain other categories of student. If you are not sure whether or not you have been enrolled, check your fee statement or contact Studentcare. If you are not automatically enrolled, you may be able to enrol yourself during the term's Change-of-Coverage Period. To opt-in, see studentcare.ca and look for Self Enrolment.
New international students' health insurance for first semester
All new international students enrolled in an undergraduate, graduate or exchange program at SFU have been automatically enrolled in a mandatory four (4) month primary medical insurance plan for their first term through guard.me@SFU and the plan fee automatically included in their tuition fees. New international and exchange and study abroad students must then apply for coverage under the BC Medical Services Plan (MSP) if they will be a resident of BC for longer than six (6) months.
Great Northern Way Campus/Centre for Digital Media students are also covered by the plan. International students who have previously attended SFU and were absent from the University for three or more consecutive terms or are readmitted to SFU under SFU's policy of reactivation and readmission will also be enrolled in the guard.me@SFU plan in the term they continue their studies at SFU.
This plan provides interim coverage during the waiting period for the BC MSP, if eligible. Students will be able to opt out providing they have coverage under the BC Medical Services Plan (BC MSP) or coverage under an eligible plan. For more details, see www.sfu.ca/medical-insurance.html.
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 one 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 or December 1). If approved, your partial refund will be applied to your SFU account.
Please see www.guard.me/sfu for complete plan details or call guard.me at 905-752-6230 (within Canada) or 1-888-756-8428 (toll free outside of Canada).
How do I get Health and Dental Plan charges removed?
Did you opt out of the Health and Dental Plan (HDP) successfully?
Yes: If you received an email from studentcare.ca confirming that you successfully opted out, you may ignore the HDP charges.
Pay your balance MINUS the HDP charges.
No: If you did not opt out during the change of coverage period, you are responsible for the charges.
Pay the full balance.
Are you worried about the monthly interest charge deadline?
If you received an email from studentcare.ca confirming that you successfully opted out, do not worry about a monthly interest charge being charged on the opted out amounts.
Pay your balance minus the HDP charges.
Why do I have to pay Health and Dental Plan charges?
Are you covered by another health insurance plan?
Yes: If you are covered by another plan, you must opt out during the change-of-coverage period. If you do not opt out, you will be responsible for the HDP charges.
Please visit studentcare.ca to opt out. If you have not received an email from studentcare.ca confirming that you successfully opted out, then you have not opted out and you must pay the charges.
No: All students are required to pay Health and Dental fees unless they already have coverage from other plans and opt out during the change-of-coverage period. See Medical insurance for more information.