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          1 Term Exchange

          PRIMARY INSURANCE

          You have been automatically enrolled in a mandatory 4 month primary medical insurance plan through guard.me@SFU.

          If you have an equivalent approved plan, you can OPT OUT of guard.me@SFU. 

          To check if your plan is an equivalent approved plan or not for opt-out, click “Opt-Out” for your plan type to see the list of ineligible/eligible plans. If your plan is not included in either list, you may submit it for review. You will receive an email from ISS with further instructions.

          Cost: $281/ term*
          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 provide you with comprehensive primary medical coverage during your exchange duration. If you plan on living in BC for more than 6 months, under the Medicare Protection Act, you must enroll with the mandatory BC Medical Services Plan upon arrival.

          How do I get the policy/ certificate number?

          500 Internal Server Error

          Internal Server Error

          The server encountered an internal error and was unable to complete your request. Either the server is overloaded or there is an error in the application.

          admin@guard.me.

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

          You can opt out if your plan has been deemed to be an “Eligible” plan with equivalent or better coverage by guard.me@SFU. Check the list of Eligible plans (click Exchange Student).

          If your plan has been deemed “Ineligible”, you are not able to opt out of guard.me@SFU. Check the list of Ineligible plans (click Exchange Student). 

          If your plan does not appear on the Eligible or Ineligible list, you may be able to submit it for evaluation. You will receive an email from ISS with further instructions.

          To opt-out of guard.me@SFU, visit their website. Click the appropriate 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 2020 term: First day of classes until June 15

          Note: changes may not be reflected right away.

          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. 

          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.

          SECONDARY INSURANCE

          You will not receive a secondary medical insurance plan through SFU. You may wish to purchase coverage through a private insurance agent. The guard.me@SFU plan includes some limited secondary benefits, please see the detailed plan information.

          *prices are subject to change without notice

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