HEALTH INSURANCEÂ
International Student Services manages the international student health insurance plan and can assist students with understanding their health insurance coverage, and accessing Health Services on campus and in the community. Students can also access professional, strictly confidential healthcare through Health Services at our campuses in Peterborough and Lindsay. Contact Health Services for more information by visiting https://flemingcollege.ca/student-experience/health-services
Coverage: All international students at Fleming College in Canada are required to purchase the comprehensive International Student Plan. Students will be insured through Morcare Insurance. Health Insurance is mandatory and students are not able to opt-out, even if they have alternative insurance.
Early Arrival: For students arriving before the start of the classes, health insurance shall commence 30 days prior to the policy effective date. This means that the students will be able to access emergency care before starting their classes. Examples of urgent care services covered are walk-in clinic, emergency room, blood tests, x-rays.
Watch our Morcare Information Session here for a brief overview of your Morcare Health Insurance.
FREQUENTLY ASKED QUESTIONS
Q. How do I get my health card?
- You will receive an email once your health insurance is active by day 10 of classes;
- Follow the instructions on the email to download and print your card;
- If you haven’t received the email, it means that your account isn’t active. Email international@flemingcollege.ca
Q. Why haven’t I received an email?
Reasons why you may not have received this email:
- Your account hasn’t been activated yet and you will receive an email once it is;
- You haven’t paid your tuition;
- You are a part-time student and will receive notification after day 10;
- You haven’t completed your registration.
Q. How can I claim/get a refund for the health services I rendered?
For medical claims, like lab, hospital or doctors’ claims, please use this form. https://morcare.ca/files/marketing/53/64d64e981aa3c-morcare-healthcareform-2023-2024-rev9-FILL-FLEMING.pdf Fill out sections 1a, 2, 3 and 5. Attach all original invoices/receipts and email it to claims@morcare.ca. Please allow up to 6 weeks for processing at which time the insurer will respond to claim directly.
No receipt-if they don’t have the official receipt. they will need to contact the service provider and reprint it.
For more queries, please contact help@morcare.ca
Q. When I try to access my coverage card I get an error message, what should I do?
Some of the reasons you may not be able to access your card:
- You haven’t received an email indicating that your card is ready for printing;
- Your Date of Birth is wrong on your Student File – send an email with your student number and date of birth to international@flemingcollege.ca and we will check;
- You are not selecting the correct college;
- You are using a mobile device that isn’t compatible with the website;
Q. I got an email saying I could opt out of health insurance, can I?
International Students cannot opt out of the International Health Plan.
Q. What is included in the coverage?
Visit: https://morcare.ca/ to learn more about plan coverage.
Q. Can I add my family to my health plan?Â
As a student, you may purchase a family plan at any time within 30 days of your program start date for the academic year. For example, September-start students are eligible in September, January-start students are eligible in January, and May-start students are eligible in May. If you need to purchase family coverage outside of your eligibility period due to birth of a child, or arrival of your family members, please contact Morcare within 30 days of the event to discuss whether you qualify.
Please go to Morcare website to purchase insurance for your family.
Q. Is Health Insurance fee included in my tuition?Â
For full-time students, health insurance fees are included in the tuition. Part-time students will have health insurance fees added to their account after day 10.
Q. What is upfront billing?
Upfront billing means that the health care service provider bills the Morcare Health Insurance company first and then the student pays the remaining balance (rather than the student paying first, then submits a claim to Morcare, and then lastly gets reimbursed).
Q. My Parents are visiting me; can I add them to my health insurance?
No, only dependents can be added under your policy for an additional fee. Parents, siblings and other family members are not considered dependent and will need to arrange their own health insurance coverage while in Canada.
Q. What if I am not residing in Ontario?
If you are residing in a province other than Ontario, please contact us at international@flemingcollege.ca for important information and limitations regarding your coverage.
Q. I have other health insurance, can I get a refund for the insurance provided by Fleming College?
No, the health insurance provided to international students is mandatory. Students are not able to opt-out even if they have alternative insurance provided by a different college/university.
Health Insurance Refunds are only issued to students who withdraw from Fleming College before day 10 in their first semester of studies in an academic year, The academic year runs from September 1st to August 31st:
- Day 10 in September for students who are registered for the Fall Term;
- Day 10 in January for students who are registered in Winter Term and weren’t registered in Fall Term;
- Day 10 in May for students who are registered in Spring Term and weren’t registered in Fall or Winter Term;