Menumenu button


Click here to download the Health & Dental Plan coverage leaflet for the 2021-2022 Benefit Year.

myBenefits at a Glance

The highlights below are provided as general information. Coverage for eligible costs are based on the contract detail. Reasonable and customary rates will be applied. Select the benefit for additional coverage details.

Reimbursed at 80% to a maximum of $250 per occurrence.
(please click Supplemental Health for details.)

Prescription Drugs:
Reimbursed at 80% to a maximum of $3,000 per benefit year.
Based on the National Formulary with a generic rider.
$10 dispensing fee limit.
(please click Prescription Drugs for details.)

Reimbursed at 100%, $70 for one eye exam and $150 for glasses or contact lenses every 24 months.
(please click Vision for details.)

Health Practitioners:
The services of paramedical practitioners are reimbursed at 80%. Services may include a per visit and an overall plan benefit year maximum. Each service has an overall plan maximum of $400 based on reasonable and customary charges, per benefit year. Practitioners must be registered and licensed in their field of practice.
(please click Supplemental Health for details.)

Medical Equipment & Supplies:
Reimbursed at 80%. A physician's prescription is required. Pre-authorization is suggested.
(please click Supplemental Health for details.)

Dental Coverage:
Exams covered at 80% once per benefit year. Overall plan maximum of $1000 per benefit year. 
(please click Dental for details.)

Dental Accident:
Reimbursed at 80% to a maximum of $1000 per accident (services must be performed within 12 months of accident; authorization required).
(please click Supplemental Health for details.)

Travel Insurance:
$5 million of coverage for emergencies and illnesses while travelling.
(please click Travel Insurance for details.)

After 15 days of confinement due to illness or injury.
(please click Other Insurances for details.)

NOTE: In the event of any discrepancy between the information herein and our contract with the insurer, the terms of the contract will apply.

Supplemental Health

Your plan covers of 80% for licensed ground ambulance or emergency air service that transports the patient to the nearest hospital equipped to provide the required treatment when the physical condition of the patient prevents the use of another means of transportation. If the patient requires the services of a registered nurse during the flight, the services and return airfare for a registered nurse are covered.
Student benefits are payable after any Provincial Health Care benefits have been exhausted. This plan does not cover user fees. Student specific rates are available for some of the indicated services, information can be found in Select Savings. Practitioners must be registered and licensed in their field of practice.

The services of the following practitioners are covered at 80% up to $25 per visit to a maximum of $400 based on reasonable and customary charges, per practitioner, per benefit year.

• physiotherapist*
• registered massage therapist*
• chiropractor, including 1 x-ray examination per benefit year
• speech language pathologist*
• psychologist or social worker*
• osteopath, including 1 x-ray examination per benefit year
• naturopath
• podiatrist or chiropodist, including one x-ray examination per benefit year
• certified athletic therapist*

*physician’s prescription/referral required for indicated services

Medical Equipment & Supplies
It is recommended that an application for pre-approval be submitted to the insurer for any item that would be claimed under the Medical Services & Supplies benefit.

Medical Equipment
Your plan covers 80% of reasonable and customary charges for eligible equipment when prescribed by a physician. Eligible durable equipment includes, but is not limited to, items such as:

• wheel chairs
• wheel chair repairs
• walkers
• hospital beds
• traction kits

Trusses, Crutches, Splints, and Braces
Your plan covers 80% of reasonable and customary charges when prescribed by a physician and are not solely for athletic use for braces, crutches, splints, and trusses.

Your plan covers 80% of reasonable and customary charges when prescribed by a physician for artificial limbs or other prosthetic appliances.

Your plan covers 80% up to a maximum of $150 per benefit year for custom-made orthopaedic shoes and orthotics, repairs and modifications when required for the correction of deformity of the bones and muscles. Provided the orthopaedics are not solely for athletic use and are prescribed by a physician, podiatrist, chiropodist, or chiropractor.

*IMPORTANT It is strongly recommended that a pre-determination/estimate be submitted to Canada Life to ensure that the guidelines set out by Canada Life for the payment of Orthopaedics are met and to confirm that your claim would be eligible.
Dental Accident
IMPORTANT! Dental Accident Pre-determination: An estimate for all dental accident services MUST be submitted to the health plan insurer. If you go ahead with treatment without a pre-determination being approved, you are doing so at the risk of the expenses being yours.

The plan covers 80% of the cost of the services of a dental surgeon, limited to the fees provided in the current General Practitioners fee guide, including dental prosthesis, required for the treatment of a fractured jaw or accidental injuries to natural teeth or jaw if caused by external, violent and accidental means. Services must be performed within 12 months of the accident. If a dental accident occurs, the health plan’s dental accident provision will pay benefits before the dental plan.

Treatment must be completed within 12 months of the impact. If treatment is scheduled to occur more than 90 days after the impact, a treatment plan must be submitted to the insurer before the end of the 90 day period.

Prescription Drug

Your drug plan covers a portion of the cost of most medications legally requiring a prescription. See below for more details.


Insured Portion

Dispensing Fee Limit

Student Pays

Wyckham Pharmacy
10% of total cost
All other pharmacies
20% + excess dispensing fees

IMPORTANT! Advise your doctor and pharmacist that you are on the National Formulary.

Wyckham Pharmacy: Wyckham Pharmacy is located on campus in the basement of the Wyckham House Student Centre. Wyckham Pharmacy has agreed to charge a $9 dispensing fee for students on the Student Health Plan.

Annual Maximum: There is annual maximum of $3,000 for prescription drug expenses per benefit year.

Dispensing Fee Limit: The dispensing fee is covered at 90% at the Wyckham Pharmacy. At all other pharmacies the maximum allowable dispensing fee is $10 and is covered at 80%. Any dispensing fee amount not covered will be payable by the student.

Smoking Cessation: Your drug plan includes coverage Smoking Cessation Products that legally require a prescription. Reimbursed at 80% to a lifetime maximum of $500.

Generic Substitution: The maximum amount payable to an eligible brand name drug will be limited to the lowest priced item in the appropriate generic category.

The National Formulary is a specific list of drugs that are eligible for reimbursement under your drug benefit. Formularies are developed to ensure that prescription drugs are available on a cost-effective basis. It covers approximately 85% of the most frequently prescribed drugs. Formularies are reviewed regularly and as a result, updates are made on an ongoing basis. To find out if your prescription is covered by your formulary, you can click here.

Exception Process: In the event that the drugs covered by the Formulary are not effective in treating the condition, an exception process is in place. To be eligible for an exception, you must have tried one alternative drug listed on the Formulary. An exception drug request form is available below or from your Benefits Plan Office and must be completed by your physician. Completed forms may be returned to SAMRU Student Benefits Plan Office or can be faxed directly to the insurance company.

Request for Coverage of Exception Status Drug form


Your plan covers 100% of the cost of eye examinations by an ophthalmologist or optometrist limited to one examination, in a 24 month period to a maximum of $70, based on reasonable and customary charges.

Your plan covers 100% of cost for the purchase of eyeglasses and/or contact lenses to a maximum of $150, once during a 24 month period, based on reasonable and customary charges.


Payment of dental benefits is based on the General Practitioners Dental Association suggested fee guide or the Insurance Reimbursement Rate set by the Canadian Life and Health Insurance Association Inc. (CLHIA) when a fee guide is not available. For services provided by a dental specialist, payment is based upon the General Practitioners Dental Association suggested fee guide.

Alternate Benefit - When there are two or more courses of treatment available to adequately correct a dental condition, reimbursement may be based on the cost of the least expensive treatment, which provides adequate care to the Insured.

IMPORTANT! Please submit a pre-determination/pre-authorization to the insurance carrier prior to treatment of specialist services and any treatment plan exceeding $500.

Your plan covers up to a maximum of $1000 per benefit year.

Diagnostic & Preventative
Your plan covers 80% of diagnostic and preventative procedures including:
• 6 month recall
• complete series of x-rays, 1 in any period of 36 months
• bitewings, not more than 4 films per benefit year
• panoramic, 1 in any period of 36 months
• polishing, 2 units per benefit year
• scaling, 2 units per benefit year
• fluoride, under 15 years of age, 1 treatment per benefit year
• pit and fissure sealants, under 16 years of age, 1 replacement per tooth, per lifetime, on permanent molars
Minor Restorative
Your plan covers 80% for services associated with dental health restoration, including:
• space maintainers and maintenance, under 15 years of age
• amalgam and tooth coloured fillings, 1 per tooth in any period of 24 months
• stainless steel and plastic full coverage restorations, under 15 years of age, 1 per tooth in any period of 36 months
• denture adjustments and repairs
• relining, rebasing and tissue conditioning, one treatment in any period of 36 months
• recementation of existing restorations
Major Restorative
Your plan covers 15% for major restorative services including:
• crowns
• bridges
• dentures

Replacement of an existing crown, bridge or dentures is an eligible expense if the replacement is required to replace an existing crown, bridge or denture which was installed 5 years before the replacement.
Oral Surgery
Your plan covers 75% services associated with surgical extractions, including:
• simple extractions, impacted extractions, not more than 4 teeth per patient per benefit year
• anaesthesia, eligible when done in conjunction with Oral Surgery

Your plan covers 60% for endodontic services including:
• root canal therapy

Your plan covers 60% for periodontic services including:
• additional scaling and/or root planing, maximum 5 units per benefit year

Other Insurances

Your plan covers 80% up to $15 per hour to a maximum of $2,000 per benefit year for private tutorial service if the student is confined to home or hospital for a minimum of 15 consecutive school days.

*Applicable to the Student only. Family members are not eligible for reimbursement of Tutorial benefits.

Travel Insurance

Group Out-of-Province/Canada Travel Medical Emergency Insurance 

Provides coverage of up to a maximum of $5 million per insured person per coverage period for certain expenses incurred as a result of an emergency while travelling on trips that originated from your Canadian province or territory of residence. It is important to remind you that this coverage is not available in the province where you attend school or in your country of origin. Your coverage period is 180 days per trip. Coverage is subject to the terms and conditions provided in the Benefits Booklet

In addition, this insurance provides coverage for the following benefits:
• Up to $5,000 per insured person, per trip for trip cancellation 
• Up to $2,000 per insured person, per trip, for trip interruption; and
• Up to $1,000 per insured person, per trip, for baggage insurance. 

Information you will need along with your Travel Assist card when opening a claim:
Group Policy Number: 1170083
Certificate Number: Your MRU Student ID

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is subject to the terms and conditions in the Benefits Booklet. For benefit complete details regarding this coverage download your Benefits Booklet and travel medical assistance card.

For information on COVID-specific conditions to your Travel Insurance coverage, please click here.

Personal Health Risk Assessment

The Personal Health Risk Assessment can be used to create a health profile, build an action plan to support your health and wellness needs and track progress.
Watch a short video about Personal Health Risk Assessment.


Limitations and Exclusions to Extended Health Benefits
No benefit is payable for:
1) expenses for which benefits are payable under a Workers' Compensation Act or a similar statute;
2) expenses incurred due to intentionally self-inflicted injuries;
3) expenses incurred due to civil disorder or war, whether or not war was declared;
4) expenses for services and products, rendered or prescribed by a person who ordinarily resides in the patient's home or who is related to the patient by blood or marriage;
5) expenses for which benefits are payable under a government plan;
6) expenses for benefits which are legally prohibited by the government from coverage;
7) Any services or supplies received by an insured person in their home country if their home country is not Canada;
8) out-of-province expenses for elective (non-emergency) medical treatment or surgery;
9) expenses for drugs which, in the insurer's opinion, are experimental;
10) expenses for dietary supplements, vitamins and infant foods;
11) expenses for contraceptives (other than oral);
12) expenses for drugs if they are used for the treatment of infertility;
13) expenses for the services of a homemaker;
14) expenses for items purchased solely for athletic use;
15) dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth;
16) utilization fees which are imposed by the Provincial Health Care Plan for the use of a service;
17) expenses for the regular treatment of an injury or disease which existed before the member's or dependant's departure from his/her province of residence;
18) immunizations and vaccines (Hepatitis B will be covered, except for Recombivax HB preservative free - DIN 02245976 & DIN 02245977); or
19) any other exclusion identified in the policy contract.

Limitations and Exclusions to Dental Benefits
No benefit is payable for:
1) any cause for which the insured may apply for and receive protection, exemption or compensation under any Workers' Compensation Act;
2) self-inflicted injuries while sane or insane;
3) war, insurrection or hostilities of any kind whether or not the insured was a participant in such actions;
4) participation in any riot or civil commotion;
5) services or supplies received outside of Canada;
6) committing or attempting to commit a criminal offence or provoking an assault;
7) dental care, treatment or supplies primarily for cosmetic purposes;
8) failing to keep scheduled appointments;
9) file transfers, the completion of claim forms or other documentation;
10) any dental treatment for the correction of temporomandibular joint disfunction;
11) expenses for crowns placed on a tooth not functionally impaired by incisal angle or cuspal damage;
12) any dental procedure which is not listed in the descriptions of dental benefits indicated herein;
13) charges that are in excess of the fees stated in the Dental Association General Dentist Fee Guide applicable to this benefit;
14) where coverage for services is provided under any government plan;
15) where services would be provided without charge in the absence of this policy; or
16) any other exclusions identified in the policy contract.

Service Members

Find a Practitioner/Pharmacy