IEC MedEC Policy: How to Access Medical Services in Canada

Alanna's picture
发布者Alanna
A hospital with a Canadian flag on the roof.

Have you purchased a BestQuote MedEC policy for your IEC visa? 

This article will highlight everything you need to know if you need to visit a doctor in Canada and how to use your MedEC policy effectively. 

This article will cover some great benefits within your MedEC policy, three ways to access medical services in Canada (including a virtual doctor service called Maple), and what to do if you need to submit a MedEC claim. 

What is included in the BestQuote MedEC policy?

The BestQuote MedEC policy is a one-of-a-kind policy offering benefits not available anywhere else for IEC visa insurance. 

Here are some of the unique MedEC benefits: 

  • Access to a virtual doctor service
  • A 25% refund when you enrol in GHIP

 

MedEC's virtual doctor benefits

MedEC policy includes three free virtual consultations per year via the Maple App, connecting you with Canadian-licensed doctors 24/7 in as little as five minutes. This service allows you to skip the waiting room and receive medical advice, prescriptions, or lab requisitions from home with no out-of-pocket consultation fees. Please note that while the online visit itself is covered, any subsequent costs (such as medication or tests) are only eligible for reimbursement if they qualify as Emergency Medical Costs under your policy.

 

 

MedEC 25% GHIP refund

You can apply for a 25% refund on the remaining premium on your policy when you enrol in a provincial government health insurance plan (GHIP) in Canada. This refund is not available if you have initiated a claim. 

 

Getting medical care in Canada

In Canada, there are different centres you should go to depending on the medical issue you are experiencing. 

The three ways to access medical services in Canada are: 

  1. Urgent Care Centres or Walk-in clinics 
  2. Virtual health consultations
  3. Hospital emergency room 

Urgent Care Centres or Walk-in clinics 

If you are experiencing a minor or mild medical issue, you may need to visit a Walk-in clinic or Urgent Care Centre. 

These clinics are used for consultations, minor treatments, or prescriptions. The most common reasons to visit an Urgent Care or Walk-in clinic are: 

  • Sprains or strains
  • Urinary infections
  • Cough, cold, or the flu
  • Skin conditions
  • Minor cuts and bruises
  • Stitches 

Wait time: 1 to 3 hours 

Typical open hours: 8 am to 5 pm (Monday to Saturday)

Usual cost: $100 to $200

Virtual health consultations

Virtual doctor services are becoming increasingly popular for quick access to a doctor. 

Virtual health services can be used to consult primary care physicians, get prescriptions, doctor’s notes, and general medical advice. 

The most common reasons to visit a virtual doctor are:

  • Skin conditions
  • Birth control 
  • Digestive issues
  • Urinary infections
  • Ear, eye, or throat queries  
  • Cough, cold or the flu
  • Sleep issues
  • Headaches

Wait time: less than 30 minutes (usually)

Typical open hours: 24/7

Usual cost: $60 to $80 (free with Maple*)

 

Hospital emergency room

In Canada, hospital emergency rooms (ER) are usually reserved for emergencies that are life-threatening or need immediate medical attention. 

The most common reasons to visit the ER are:

  • Obvious emergencies
  • Severe pain
  • Severe burns
  • Difficulty breathing
  • Head injury
  • Abdominal pain
  • Chest pain or pressure
  • Compound fractures

Wait time: 3 to 12+ hours (depending on your condition)

Typical open hours: 24/7

Usual cost: $1,000 - $1,800*

 

*The cost listed above is for a simple visit without diagnostic testing, surgery, or intervention. Hospitals purposely set their fees high to prohibit non-essential visits. 

 

Submitting a claim

How to submit a claim on your MedEC policy

The following information is relevant to people with MedEC policies purchased on or after October 1st, 2024. If you have an older MedEC policy, please refer to your MedEC wallet card for claim information as details may differ.

How to submit a claim

  1. Email [email protected]
  2. Read the instructions carefully. You will be required to submit the necessary documents for reimbursement, including: 
    1. A fully completed claim form,
    2. Original receipts and/or a medical report,
    3. (By request) a copy of your passport confirming travel dates and entry into Canada, and
    4. Proof of departure and return to Canada for side trips.
  3. Once you submit all the necessary documents, Royal Claims will review them and may ask for further information. Depending on the claim, this process could take a few days or several weeks. 

If you are hospitalized

If you are hospitalized, you or someone you are with should: 

  1. Immediately notify Royal Claims: 
    1. +1-833-489-2273 From Canada and the United States
    2. +1-778-653-4904 Worldwide
    1. by email: [email protected]
    2. By calling: 
  2. Provide the hospital registrar with your policy wallet card. You can find the wallet card on the policy declaration document you received at the time of purchase.