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Plan Overview
St. Clair College
Prescription Drugs

80% co-insurance
Maximum: $5,000

Dental

Basic and Preventative: 100%
Minor Restorative: 75%
Extractions: 75%
Endodontics: 10%
Periodontics: 10%
Major Restorative: 10%
Maximum: $750

Vision

One eye exam every 24 consecutive months to a maximum of $75.00
$150 for prescribed lenses and frames or contacts every 24 consecutive months

Prescription Drugs
St. Clair College
  • $5,000 maximum
  • Coverage Details:
  • 80% coverage
  • $8.00 dispensing fee maximum
  • Drugs Covered:
  • Most prescription drugs or medicines
  • Allergy serums
  • Hepatitis B vaccine ($100 maximum)
  • Oral contraceptives
  • Insulin injectables
  • Insulin supplies under pseudo din #910333 ($200 maximum)
  • All acne preparations excluding Accutane
Dental
St. Clair College
  • $750 Maximum
  • Basic & Preventative Services
  • 100% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
  • 100% of one cleaning and one unit of polishing, includes up to 4 units of scaling (above the gum line).
  • 
Fluoride treatments will be limited to one per policy year.
  • Minor Restorative
  • 75% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
  • Extractions
  • 75% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
  • The services listed below are covered at 10%
  • Endodontics
  • Periodontics
  • Major Restorative (crowns/bridges/dentures)
Vision
St. Clair College
  • 100% of all eligible vision care claims are covered
  • One eye exam every 24 consecutive months to a maximum of $75.00
  • $150.00 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months
  • $200.00 maximum should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
  • There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
Accident Benefits
St. Clair College
  • Life Insurance
  • A death occurring as a result of an accident will pay $7500.
  • Accidental Medical Expense
  • Hospital charges
  • Services of a nurse
  • Services of a physiotherapist or chiropractor when recommended by a physician
  • Services of a chiropodist, podiatrist, osteopath or speech therapist
  • Transportation by an ambulance up to $1,000
  • Medical equipment
  • X-rays
  • Accidental Dental Expense
  • Injury coverage to a maximum of $2,000.
  • Emergency Taxi
  • Licensed taxi covered to a maximum of $50.
  • Rehabilitation
  • Training for special occupation covered to a maximum of $5000.
  • Repatriation
  • Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.
  • Tutorial
  • Tutorial services at $20/hour up to $2,000.
  • Eyeglasses & Contact Lenses
  • Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.
  • Home Modification & Vehicle Modification
  • Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.
  • Hearing Aids
  • Covered to a maximum of $3000.
  • Family Benefits
  • All students may obtain coverage for their spouse and dependant children. You may enroll your family using your Visa online or by certified cheque or money order through the mail.
  • Students must have received treatment from a qualified physician/dentist within 30 days from the date of an accident.
  • Completed claim form must be filed directly to Industrial Alliance Insurance and Financial Services Inc. within 90 days from the date of the accident, and no later than 1 year.
Travel
St. Clair College
  • Travelling Outside of Canada
  • When travelling outside of Canada you have Accident coverage limited to $10,000.00 as the result of any one accident:
  • services and supplies rendered by a hospital while the Insured is confirmed as a resident in-patient in standard ward or semi-private accommodation
  • services of a physician or anesthetist
  • services of a nurse
  • diagnostic x-ray examination by a physician
  • transportation by a licensed ambulance: rental of crutches, splints, trusses or braces (excluding the expense of brace or similar device used for non-therapeutic purposes or used solely for the purpose of participating in sports or other leisure activities).
  • Reimbursement under this provision shall not duplicate payment provided by any other part of the policy. Insurance commences on the date of departure of an Insured from the province of residence and terminates upon the date of return to the province of residence.
  • Travelling Within Canada
  • Emergency Taxi
  • When injury necessitates immediate medical attention, the Company will pay the reasonable expense incurred for a licensed taxi to transport the Insured to either a physician’s office or the nearest hospital, subject to the maximum amount of $50.00 as the result of any one accident.
  • Special Treatment Travel Expense
  • If injury necessitates special medical treatment recommended by the attending physician and which cannot be obtained within a radius of 160 kilometers of the Insured's residence, the Company will pay the reasonable and necessary travel expenses actually incurred to obtain such treatment. Should the age of the Insured necessitate accompaniment by an escort, the Company will pay reasonable and necessary travel expenses actually incurred for the person who accompanies the Insured, plus ordinary living expenses up to $40.00 per day. The maximum amount payable under this provision is $1,000.00 for all such expenses.
  • Supplemental Transportation Expense
  • If, as a result of an injury, it is deemed necessary for the Insured to be transported to his regular scheduled classes and his residence by means of transportation other than that which would have normally been used by the Insured, had such injury not occurred, the Company will reimburse the Insured for the additional cost of such alternate transportation, subject to a maximum of $15.00 per day and payable up to 60 scheduled class days.
Student Wellness Programs
St. Clair College
  •  
  • The importance of self-care and a healthy balance in mental and physical well-being for students is extremely important today, especially for those arriving to join a new community, experience different environments and meet new peers. It often means facing challenges and dealing with new pressures. With this program, you are not alone.  There are resources to find clinical support and assistance on your campus and in your community as well as coaching, tips, and tools available. 
  •  
  • Starting September 01 2024, the WeConnect Student Assistance Program (SAP) provides mental health and wellness services to students through our virtual platform (powered by Dialogue), available via the web or a mobile application.
  •  
  • How do I access?
  •  
  • Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
  • Call 1-855-853-0565 
  •  
  • Services include:
    • Access is available 24/7 by phone or virtual resources, worldwide.
    • Care is immediate by connecting with the intake team and payment for counselling is not required 
    • Time management and organization
    • Career development
    • Student-life balance
    • Personal growth and development
    • Dependent Care
    • Legal and Financial Support
    • Daily Living / Life Coaching
    • Mindfulness / Wellness Coaching