Medical Insurance

Description of Medical Insurance & Coverage


Guard.me medical Insurance

guardme card 

 Eligibility 
  • All new international & exchange students
  • Returning students who do not have MSP
  • Short term students and those without a study permit of at least 6 months
 Enrollment
  •  Automatically enrolled for the first semester
  • All returning students with no MSP are automatically enrolled for the semester until MSP is confirmed.
 Cost
  • $250 per semester applied to student fees
Confirming
other approved medical coverage (MSP)
  • Deadline: Last day of the first month of each semester
  • Done online at www.guard.me/oc
  • You will need proof of MSP
    •  Front of MSP card plus:
    • The letter that your MSP card was attached to (showing a coverage start date); or
    • A recent MSP invoice showing your coverage prior to the semester starts
  • Submit the proof before the current semester coverage ends to not be re-enrolled for next semester.
  • No cancellation after the deadline
  • For more information, please go to www.okanagan.bc.ca/intedmed
How to obtain a card
  • Your guard.me ID card will be sent to MyOkanagan email.
  • Also, you can download it at www.guard.me/oc
Early Arrival
  • You can purchase early arrival insurance to cover you up to 6 weeks prior to semester start, got to www.guard.me/oc
  • $ 2 per day; purchased online with credit card
 Dependents
  • You can purchase your dependents' coverages in association with your coverage at www.guard.me/oc
How to make a claim
  • Submit claims online: www.guard.me/oc
  • Upload scanned receipts and medical records, have a printer nearby.


Medical Services Plan (MSP)

msp card

 Eligibility 
  • Students who are studying longer than 6 months and have a valid study permit
 Enrollment
  • Eligible after a 3 month wait period
  • Apply for MSP soon after Arrival
  • 21 business days for processing
  • Application assistance at orientation or OCIE or web guide
  • How to apply MSP
 Cost
  • $37.50 per month billed by BC government (2019)
 Opt-out
  • No opt-out, mandatory for Residents in BC staying 6 months or longer
  • Students who are planning to leave BC for more than 6 months must contact MSP to confirm continued eligibility otherwise they may suspend your MSP temporarily 
How to obtain a card
  • You will receive it by mail after 1 month.
  • Make sure you update your current address with MSP.
Early Arrival
  • N/A
 Dependents
  • You may add dependents when you apply for yours.
  • You will need photos of your dependents' visa
How to make a claim
  • No need to make a claim.
  • Direct billing to health care provider


Extended Health and Dental Plan

ocsu logo

 Eligibility 
  • All full time academic students
 Enrollment
  • All full time academic students are automatically enrolled each semester.
 Cost
  • Approximately $125 per semester applied to student fees
 Opt-out
  • Online opt-out is available if you are covered by an equivalent plan (such as by your employer).
How to obtain a card
  • Visit the Student Union office at your campus or online.
Early Arrival
  • N/A
 Dependents
  • N/A
How to make a claim