2-3 Term Exchange
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 in your first term of exchange.
Apply for BC Medical Services Plan (MSP). MSP should take effect late in your first term of exchange. As soon as you receive your BC Medical Services Plan, you may be eligible for a refund of the unused portion of your guard.me@SFU insurance if you have not made a claim and there is more than 1 month of coverage remaining when you apply. Opt out online at //www.guard.me/sfu The partial refund will be applied to your SFU account.
Cost: $281/ term*
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More Info: guard.me@SFU website
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 transition you to Canada without having to worry about enrolling for BC medical insurance immediately. Since you are living in BC for more than 6 months, under the Medicare Protection Act, you must apply for BC Medical Services Plan upon arrival.
How do I get the policy/ certificate number?
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How and when can I opt out of guard.me@SFU?
You can opt out right away 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.
If your plan has been deemed “Ineligible”, you are not able to opt-out of guard.me@SFU right away. Check the list of Ineligible plans (click Exchange Student). Once you are covered through MSP you may opt-out of guard.me@SFU for your second/third exchange term/s.
If your plan is not listed in the Eligible or Ineligible lists, 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.
Effective September 1, 2019:
$75/month for study permit holders studying at the post-secondary level*
($37.50 BC MSP premium + $37.50 health care coverage fee)
$37.50/month for international K-12 students holding a study permit*
($37.50 health care coverage fee)
Effective January 1, 2020:
$75/month for all study permit holders*
($75 health care coverage fee)
Enrollment: Need to apply
More Info: BC MSP website
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. There is a wait period of 2-3 months for newcomers, during which time the guard.me@SFU plan will provide you with short-term coverage.
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.
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. BC MSP is primary-only coverage, so you may wish to purchase additional secondary coverage while on MSP.
*prices are subject to change without notice