International Student
Health Insurance
Understanding Your Insurance
What’s Covered??
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Visiting the Doctor
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Hospitalization
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The hospital will need to see your foreign health card so
they can bill the company directly for your visit
Prescription Medicines
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When you are sick with a non-urgent condition – ie. flu, you
may visit the doctors on-campus.
You may purchase medicine from a pharmacist with a
prescription – pay first, and keep the receipt. Mail it with a
claim form to receive your reimbursement.
Physical and Eye Exams once a year
What’s Covered?? (cont.)
Emergency dental treatment (if you are
in pain you can visit a dentist to have
your teeth fixed – max $300)
 Going on vacation anywhere in the world
 Going on a work-term anywhere in the
world (home country included)

Tip #1
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You get one complete physical exam
and one eye exam every year!

You do not need to have a medical
problem for these visits – “check-up”
Making a doctor’s appointment
skit
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view skit,
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Tip #2
If you buy medicine from a Pharmacy
using a prescription you can get ALL of
your money back.
 Fill out a claim form & attach your
receipt, send it to the insurance company
 They will send you a cheque in the mail
 Claim forms are at Corte Real office or
http://www.mun.ca/isa/health/index.php

What’s NOT Covered
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Dental treatment or procedures
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Undergraduate and ESL students do not have dental coverage.
Graduate students should contact the GSU for information.
Pregnancy/Contraceptives (except morning
after pill)
Glasses/lenses, hearing aids, etc.
Elective surgery or tests not required by a
doctor.
Vaccines, non-essential or esthetic medicines
Injury during dangerous sports
What’s NOT Covered (cont.)
Doctor’s visits for prescription medication
refills, regular checks for ongoing,
chronic or non-emergent conditions
 Going home or to the USA for longer
than 30 days
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Before you see the doctor…

Bring a claim form and your health insurance
card with you so that the doctor will not
charge you for your visit.

Read and understand your policy. If you have
questions, ask the ISA office or call Student
Guard. The policy is translated into several
languages.
Student Guard Website:

http://www.studentguard.com/
How much does it cost?
 Your
insurance costs $237.25 per
individual per semester.
 You have to pay for your own
prescriptions and wait for a refund
If you are leaving MUN…
When you finish your program, or if you leave
MUN before you’re finished – let our office
know.
 We can only cancel your insurance for you if
you ask us before the opt out date and only if
you have not seen any doctors (made a claim)
 If you are registered, you will be charged for
health insurance. If you take a semester off,
but still need insurance, contact us to find
out how to purchase private health.

If you need help…
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Come to our office and ask one of us
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Call the insurance company (the tollfree number is on the back of your card)

Visit our website for a copy of the policy
and downloadable claim forms
How does the Canadian Health
System work?
Canada has a government funded health
care system.
 All people are provided with equal
treatment.
 First come, first serve basis

Three levels of care in Canada
1.
General practitioner family doctors at
their clinics.
2.
Specialist doctors who are trained in
specific areas of medicine. People can
only see these doctors if they are referred
to them through their general practitioner
family doctor.
Emergency services at the hospital.
People only visit these rooms when they
are in crisis and need immediate care.
3.
Going to see Specialist Skit
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the video
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view skit,
and turn
up the
volume
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Going to Emergency Room skit
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the video
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view skit,
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What are the first steps I have to take
when first arriving in Newfoundland?

Apply for you Student Guard Insurance
Card
 You need to go to the International Student
Advising Office
 Locate the Student Health Office (4th floor
of the University Center). This is the office
where the University’s GP family doctors
are located. Talk with the secretary about
becoming a patient of one of these family
doctors.
What does a General Practitioner
(GP) Family Doctor do?
General practitioner family doctors are a
person’s main doctor in the Canadian
healthcare system.
 Take care of the majority of health issues
 Monitor all other services their patients
have with other doctors by requesting
the results of these services.
 Main health file is kept with your family
doctor.

List of services family doctors
perform with their patients:
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Diagnose and treat people's health issues
Give advice and support
Consult with other health professionals and referring people to
specialized care.
Interview and examine patients
Order lab tests, x-rays and other tests to assess their health and
diagnose health problems
Recommend care and treatment, which may include prescription
medications or treatments, nutritional advice.
Make referrals to specialist physicians or other healthcare
professionals, such as physiotherapists or massage therapists
Give vaccinations, and in the case of some family doctors, deliver
babies and provide healthcare before and after birth
Where can I find a General
Practitioner (GP) Family Doctor

NOTE: It is VERY DIFFICULT to find a GP
Family Doctor in Newfoundland
 MUN has three of these doctors on staff fulltime at the Student Health Office (4th Floor
of the University Center).
 Make an appointment by calling (709) 7377597.
 As a student of Memorial, you will
automatically be accepted as a patient at this
clinic.
Cancellation Skit
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If you want to see a GP family doctor
outside this office, you need to call (709)
729-4984 and press #1 to get a list of GP
family doctors who are taking new patients.

This list will be broken into three sections:
St. John’s East, St. John’s Center, and St.
John’s West. You can get to all three of
these areas using public transit, however,
St. John’s East and St. John’s Center is the
closest to the university.
What do I do if I am sick?
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General Sickness
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Call the secretary of your (GP) Family Doctor and ask for
an appointment * Student Health Office (737-7597)
Ask to be notified if there are any cancellations/asked to
be squeezed in*
Doctor will determine if you need to see a specialist*
At Student Health, there is a nurse who is also available
who can be seen for some issues
Emergency Sickness

For urgent care, go to the emergency room in one of the
two hospitals **
Science experiment skit
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Pharmacy
In Canada, patients need prescriptions
for medication
 Examples of pharmacies are:
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Campus Pharmacy (3rd Floor University Center),
Shopper’s Drugmart
Lawton’s Drugs
Walmart Pharmacy
Pass the prescription to the Pharmacist
and he/she will give you your
prescription
Pharmacy skit
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the video
image to
view skit,
and turn
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What are the names of the hospitals in
St. John’s and where are they located?
St. Claire’s Mercy Hospital is located
downtown on St. Claire’s Avenue.
 The Health Sciences (General) Hospital is
located on the university campus, Prince
Phillip Drive
 The Janeway Hospital is a part of the Health
Sciences Hospital. This is Newfoundland’s
children’s hospital. People under the age of 12
 The Waterford Hospital is the mental health
hospital in St. John’s located on Waterford
Bridge
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The End…
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International Student Health Insurance