Medical Insurance

Description of Medical Insurance & Coverage


Guard.me medical Insurance

guardme card 

Eligibility 
  • All new international 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 shows your MSP coverage start date
    • 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 or iCent app
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 photos of receipts and medical records, study permit and a direct deposit form.


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
  • $75 per month billed by BC government (Starting January 2020)
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' study permit or work permit.
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
  • Contact the Student Union.
How to make a claim
Black Out period
  • While Student Union waits for Okanagan College to confirm your enrolment, your claims processing will be delayed. This delay can take up to two months. Any health or dental costs that are incurred during the blackout period will not be eligible for the direct billing option and members are advised to save all receipts for covered costs. After the end of the black out period you will be able to submit a claim.