Health plan
Concordia employees: Log onto Carrefour to get details specific to your employment.
Students: Undergraduate and graduate students can learn about the Concordia Student Health Plan through the Student Care website.
The Concordia Health Plan helps you and your insured eligible dependents pay for certain health-related expenses, in case of personal illness or injury.
While the plan covers many services and procedures, including telemedicine through Lumino Health Virtual Care, there are some exclusions and limitations.
Inpatriates and non-residents must be covered under a provincial health insurance plan or an inpatriate health plan such as the one offered by Sun Life, our benefit provider, to be eligible for Concordia’s health plan.
Highlights
The following provisions apply for eligible employees.
Current coverage
| Deductible | $3 per Drug Identification Number (DIN) |
| RAMQ drugs (mandatory generic drug substitution) |
80% (or 100% once these eligible expenses exceed $3,000 per Certificate per benefit year) |
| Non-RAMQ drugs (mandatory generic drug substitution) |
60% (or 100% once the eligible expenses exceed $3,000 per Certificate per benefit year). |
| Medical and paramedical expenses (including paramedical practitioners) |
80% |
| Psychologists, psychiatrists and psychotherapists | 80% |
| Vision care (depending on your eligible employee group) |
80% |
| Pharmacogenomic testing | 80% |
| Emergency care and travel assistance outside your province of residence | 100% |
| Hospital care (semiprivate room in a public general hospital or a licensed convalescent hospital) |
100% |
| Maximum lifetime reimbursement | Emergency care and travel assistance: $3 million per insured person All other eligible expenses combined: $1 million per insured person |