Last updated in December 2022.
Please read these terms and conditions carefully before submitting online applications.
Submitting Online Applications
By submitting online applications through the website, the student acknowledges that it is solely their responsibility that the information they are providing is true and correct and that the form has been received by the benefit office.
Authorization and consent to the use, release, and exchange of said information between the educational institution, the student organization, the plan broker, third party service providers and the insurance company(s) to be used solely in connection with the administration of the Student Benefits Plan.
Falsification of any information provided by the student is a serious form of fraud.
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When submitting the online forms through the website, the student may be asked to supply relevant information, without limitation. Your name, Student ID, date of birth, email, phone number, credit card number with the expiration date, and your billing address. You may also be asked for alternate insurance information including policy # and group name.
You represent and warrant that:
- You have the legal right to use any credit card(s) in connection with Family Add-On applications;
- The information entered is true, correct, and complete.
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Deadline
The deadline is the date by which online forms should be submitted. The date is established each term by the Institution or Students' Association. The Deadline is 30 days from the start date of the current term.
There are no exceptions if deadlines are missed.
The Student Benefits Plan Office informs students of the deadline through the Student Benefits Plan website, college or student association website, students orientations, emails, newsletter, social media, among others.
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Processing of Applications
After successfully submitting your application, the Student Benefits Plan Office performs verification of the information submitted by the students. The office could take up to 5 business days to process your applications. During this time, the office performs audits and validations of the information received to guarantee that you meet the eligibility criteria set by the College/University.
Submitting an online application does not mean that your application will be automatically approved. After the office performs all verifications, the office could approve, audit, or refuse your application.
The Student Benefits Plan Office does not process any application sent by email, phone call, or in the office. The student must submit the appropriate online form to be considered.
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Email Confirmation
You will receive a do not reply email confirmation after you complete and submit any of the forms: opt out, opt in; family add on, flex your
plan. Please retain a copy of the email confirmation for your records as it is your ONLY proof that you applied. Add donotreply@gallivan.ca to your address book. Please do not reply to this email.
If you do not receive a confirmation email, please contact the Student Benefits Plan Office before the applicable deadline: bowvalleyplan@mystudentplan.ca
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Validation Period
There is a 45-60-day validation period from the start of the term. The validation period is in effect for new students, family members added to the plan, students who flex the plan, or students who are applied to re-enroll into the plan. During this period, the student or family member has coverage but would have to pay the full amount of eligible Health and Dental service expenses out of pocket and keep the receipts. Once the enrolment process is completed, the student would be able to submit online claims for reimbursement.
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Cancellation
We reserve the right to refuse or cancel your applications at any time for certain reasons including but not limited to:
- Errors in your application
- Applications submitted after the applicable deadline
- Change in your eligibility to the plan
If you wish to cancel your application, you must email the Student Benefits Plan Office, including the reason of your cancellation within the applicable deadline. After the deadline, the Student Benefits Plan Office has the right to approved or refuse your request.
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Online Applications
The online applications are electronic forms available for those eligible students who want to make adjustments to their health and dental plan. The different forms available are:
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Opt-Out Form
Definition: The Opt-Out form is available for those Students who wish to decline the Student Health and/or Dental Plan because they are covered by a comparable health and/or dental plan from parents, spouse, government, job, or band.
Eligibility Criteria: There are 2 circumstances for Opting Out of the Student Health and Dental Plan if the student has comparable coverage:
- Students starting an eligible program as having full-time status or returning students who change from part-time to full-time status and are eligible for the plan for first-time.
- Returning students active in the plan on the anniversary of enrollment in the student benefits Plan.
The student understands that they would have been able to claim under their existing insurance as well as under the student health and/or dental plan(s), thereby increasing coverage. The student acknowledges they will not be able to rejoin the student benefit plan until the start of their anniversary of submitting the opt-out application OR within 30 days of losing their alternate coverage. The student must complete the necessary form, pay any fees associated with rejoining the plan and provide the necessary proof of loss of insurance in order to reinstate the student plan.
The student understands that they may apply to opt out of the plan prior to the applicable deadline.
Opt-Out Audit: You may be asked to provide documentation of your existing coverage at any time throughout each year of coverage. Documentation must show the name of the insurance company providing coverage, the students’ name (as being covered) and the policy number. Acceptable documentation may be an insurance policy, a photocopy of the policy provision page/schedule of benefits, a benefits booklet, a statement of claim, or a membership card (with the student’s name). Without providing the proper documentation, the opt out will be denied and the mandatory benefit plan fees will remain on the student account.
The Student acknowledges that as a result of the opt-out, they forfeits all rights to coverage otherwise available to him/her under the student health and/or dental plan(s). The Student realizes that they will not be able to rejoin the plan(s) until the policy anniversary or unless they ceases to be covered by the insurance used to opt-out of the student health and/re dental plan(s) and apply within 30 days of losing said coverage. The Student must complete the necessary form, pay any fees associated in rejoining the plan(s) and proved the necessary proof of loss of insurance in order to reinstate coverage.
Once an Opt-Out is approved, the Student is automatically removed from the student plan each year the student attends the institution until the student contacts the Benefit Plan Office to change their opt out status.
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Family Add On Form
Definition: The family Add-On form is available for those Students who wish to extend the Health and/or Dental Plan(s) to their dependents (Spouse, Partner, child, or children).
Eligibility Criteria: There are 2 circumstances for adding family members to the Student Health and Dental Plan:
Scenery 1, Students starting an eligible program as having full-time status and returning students who change from part-time to full-time status and are eligible for the plan for first-time. Scenery 2, returning students active in the plan on the anniversary of enrollment in the student benefits Plan.
The student understands that in order to receive coverage for an eligible spouse or child the appropriate fee must be paid by the applicable deadline.
Once a family add on is approved, the eligible dependents will receive the same coverage the student receives.
The Student confirms that the individual(s) for whom coverage is being requested qualify based on the eligible definitions of spouse or dependent.
Definition of Spouse: Spouse means the person who is a resident of Canada, and who is married to The Student, or a person of either sex who has continuously co-habituated with the student for a period of at least 12 months and who is publicly represented as the student's wife or husband.
Definition of Dependent(s): Dependent means an unmarried child who is a resident of Canada, and entirely dependent on The Student for maintenance and support, and who is:
- under 21 years of age,
- under 25 years of age and attending a college or university full-time, or
- physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on The Student for maintenance and support and while eligible under 1) or 2) above.
Your family can only be covered while you are a student on the plan(s).
The student understands that family coverage needs to be renewed each benefit year by submitting this form and paying the additional fees before the applicable deadline.
FAMILY ADD-ON FEES ARE NON-REFUNDABLE.
Family enrolment is not guaranteed by submitting this form; the applicant must be eligible and the appropriate fees must be paid.
Payment: Payment can be made through credit cards, such as Visa, MasterCard, American Express cards.
Payment credit cards are subject to validation checks and authorization by your card issuer. If we do not receive the required authorization, We will not be liable for any delay or non-enrollment of your family to the plan.
The Student Benefits Plan Office is not authorized to receive payments.
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Re-Enroll Form
Definition: The Re-Enroll form is available for those students who wish to re-enroll in the Health and/or Dental Plan(s) and had been previously opted out of the plan.
Eligibility Criteria: The individual enrollment form can be used in these 3 circumstances:
- At the anniversary of submitting the opt-out application before the applicable deadline.
- Lifestyle Change: There are certain circumstances known as lifestyle changes that allow a student to make changes to their enrollment status within 30 days of the change date. Lifestyle changes include getting married, meeting the twelve-month co-habitation requirement for common law status, birth/adoption of a child, meeting provincial plan residency requirements and loss of comparable coverage.
- Loss of Comparable Coverage: Students who have lost their alternative insurance coverage. You must provide the proper documentation and complete the online form. Documentation includes a letter from the insurance carrier or the employer stating the students' name, loss of coverage date, the carrier's name, and policy number.
The student understands that in order to receive coverage the appropriate fee must be paid prior to the applicable deadline.
The student understands that information provided is required to provide the dental and/or extended health benefits. The student authorizes the use of the information provided where it is required in the administration of the insurance benefits.
ENROLLMENT FEES ARE NON-REFUNDABLE.
Individual enrolment is not guaranteed by submitting the application; the applicant must be eligible.
Payment: The Health and/or Dental Plan(s) fees will be added to the student statement of account and will be paid as part of the tuition. The Student Benefits Plan Office is not authorized to receive payments.
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Flex your Plan Form
Definition: The Flex your Plan form is available for those students who wish to choose one of the Flex Plans at no additional charge. All eligible students are automatically enrolled in the Balanced plan.
Eligibility Criteria: There are 2 circumstances for Flex your Health and Dental Plan:
- Students starting an eligible program as having full-time status or returning students who change from part-time to full-time status and are eligible for the plan for first-time.
- Returning students active in the plan on the anniversary of enrollment in the student benefits Plan.
The student acknowledges that once a Flex option is approved, that flex plan will remain in effect for all future terms that they are enrolled. Should a student enroll eligible family members into the plan(s), the family members enrolled will receive the same benefits coverage that the student receives.
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If you have any questions about these terms and conditions, you can contact us by:
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