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International Student Health Insurance. Understanding Your Insurance. What’s Covered??. Visiting the Doctor When you are sick with a non-urgent condition – ie. flu, you may visit the doctors on-campus. Hospitalization

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International Student Health Insurance

Understanding Your Insurance


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What’s Covered??

  • Visiting the Doctor

    • When you are sick with a non-urgent condition – ie. flu, you may visit the doctors on-campus.

  • Hospitalization

    • The hospital will need to see your foreign health cardso they can bill the company directly for your visit

  • Prescription Medicines

    • You may purchase medicine from a pharmacist with a prescription – pay first, and keep the receipt. Mail it with a claim form to receive your reimbursement.

  • Physical and Eye Exams once a year


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What’s Covered?? (cont.)

  • Emergency dental treatment (if you are in pain you can visit a dentist to have your teeth fixed – max $300)

  • Going on vacation anywhere in the world

  • Going on a work-term anywhere in the world (home country included)


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Tip #1

  • You get one complete physical exam and one eye exam every year!

  • You do not need to have a medical problem for these visits – “check-up”


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Making a doctor’s appointment skit

Double click on the video image to view skit, and turn up the volume on your computer


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Tip #2

  • If you buy medicine from a Pharmacy using a prescription you can get ALL of your money back.

  • Fill out a claim form & attach your receipt, send it to the insurance company

  • They will send you a cheque in the mail

  • Claim forms are at Corte Real office or http://www.mun.ca/isa/health/index.php


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What’s NOT Covered

  • Dental treatment or procedures

    • Undergraduate and ESL students do not have dental coverage. Graduate students should contact the GSU for information.

  • Pregnancy/Contraceptives (except morning after pill)

  • Glasses/lenses, hearing aids, etc.

  • Elective surgery or tests not required by a doctor.

  • Vaccines, non-essential or esthetic medicines

  • Injury during dangerous sports


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What’s NOT Covered (cont.)

  • Doctor’s visits for prescription medication refills, regular checks for ongoing, chronic or non-emergent conditions

  • Going home or to the USA for longer than 30 days


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Before you see the doctor…

  • Bring a claim form and your health insurance card with you so that the doctor will not charge you for your visit.

  • Read and understand your policy. If you have questions, ask the ISA office or call Student Guard. The policy is translated into several languages.


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Student Guard Website:

  • http://www.studentguard.com/


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How much does it cost?

  • Your insurance costs $237.25 per individual per semester.

  • You have to pay for your own prescriptions and wait for a refund


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If you are leaving MUN…

  • When you finish your program, or if you leave MUN before you’re finished – let our office know.

  • We can only cancel your insurance for you if you ask us before the opt out date and only if you have not seen any doctors (made a claim)

  • If you are registered, you will be charged for health insurance. If you take a semester off, but still need insurance, contact us to find out how to purchase private health.


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If you need help…

  • Come to our office and ask one of us

  • Call the insurance company (the toll-free number is on the back of your card)

  • Visit our website for a copy of the policy and downloadable claim forms


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How does the Canadian Health System work?

  • Canada has a government funded health care system.

  • All people are provided with equal treatment.

  • First come, first serve basis


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Three levels of care in Canada

  • General practitioner family doctors at their clinics.

  • Specialist doctors who are trained in specific areas of medicine. People can only see these doctors if they are referred to them through their general practitioner family doctor.

  • Emergency services at the hospital. People only visit these rooms when they are in crisis and need immediate care.


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Going to see Specialist Skit

Double click on the video image to view skit, and turn up the volume on your computer


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Going to Emergency Room skit

Double click on the video image to view skit, and turn up the volume on your computer


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What are the first steps I have to take when first arriving in Newfoundland?

  • Apply for you Student Guard Insurance Card

  • You need to go to the International Student Advising Office

  • Locate the Student Health Office (4th floor of the University Center). This is the office where the University’s GP family doctors are located. Talk with the secretary about becoming a patient of one of these family doctors.


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What does a General Practitioner (GP) Family Doctor do? in Newfoundland?

  • General practitioner family doctors are a person’s main doctor in the Canadian healthcare system.

  • Take care of the majority of health issues

  • Monitor all other services their patients have with other doctors by requesting the results of these services.

  • Main health file is kept with your family doctor.


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L in Newfoundland?ist of services family doctors perform with their patients:

  • Diagnose and treat people's health issues

  • Give advice and support

  • Consult with other health professionals and referring people to specialized care.

  • Interview and examine patients

  • Order lab tests, x-rays and other tests to assess their health and diagnose health problems

  • Recommend care and treatment, which may include prescription medications or treatments, nutritional advice.

  • Make referrals to specialist physicians or other healthcare professionals, such as physiotherapists or massage therapists

  • Give vaccinations, and in the case of some family doctors, deliver babies and provide healthcare before and after birth


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Where can I find a General Practitioner (GP) Family Doctor in Newfoundland?

  • NOTE: It is VERY DIFFICULT to find a GP Family Doctor in Newfoundland

  •  MUN has three of these doctors on staff full-time at the Student Health Office (4th Floor of the University Center).

  • Make an appointment by calling (709) 737-7597.

  • As a student of Memorial, you will automatically be accepted as a patient at this clinic.


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Cancellation Skit in Newfoundland?

Double click on the video image to view skit, and turn up the volume on your computer


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  • If you want to see a GP family doctor outside this office, you need to call (709) 729-4984 and press #1 to get a list of GP family doctors who are taking new patients.

  • This list will be broken into three sections: St. John’s East, St. John’s Center, and St. John’s West. You can get to all three of these areas using public transit, however, St. John’s East and St. John’s Center is the closest to the university.


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What do I do if I am sick? you need to call (709) 729-4984 and press #1 to get a list of GP family doctors who are taking new patients.

  • General Sickness

    • Call the secretary of your (GP) Family Doctor and ask for an appointment * Student Health Office (737-7597)

    • Ask to be notified if there are any cancellations/asked to be squeezed in*

    • Doctor will determine if you need to see a specialist*

    • At Student Health, there is a nurse who is also available who can be seen for some issues

  • Emergency Sickness

    • For urgent care, go to the emergency room in one of the two hospitals **


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Science experiment skit you need to call (709) 729-4984 and press #1 to get a list of GP family doctors who are taking new patients.

Double click on the video image to view skit, and turn up the volume on your computer


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Pharmacy you need to call (709) 729-4984 and press #1 to get a list of GP family doctors who are taking new patients.

  • In Canada, patients need prescriptions for medication

  • Examples of pharmacies are:

    • Campus Pharmacy (3rd Floor University Center),

    • Shopper’s Drugmart

    • Lawton’s Drugs

    • Walmart Pharmacy

  • Pass the prescription to the Pharmacist and he/she will give you your prescription


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Pharmacy skit you need to call (709) 729-4984 and press #1 to get a list of GP family doctors who are taking new patients.

Double click on the video image to view skit, and turn up the volume on your computer


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What are the names of the hospitals in St. John’s and where are they located?

  • St. Claire’s Mercy Hospital is located downtown on St. Claire’s Avenue.

  • The Health Sciences (General) Hospital is located on the university campus, Prince Phillip Drive

  • The Janeway Hospital is a part of the Health Sciences Hospital. This is Newfoundland’s children’s hospital. People under the age of 12

  • The Waterford Hospital is the mental health hospital in St. John’s located on Waterford Bridge


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The End… where are they located?


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