Students who have Health or Dental coverage through their school: these plans will always pay before any plan where the student is covered as a dependent.

The Student Health and Dental plan pays first.

Students who have Health and Dental coverage through their employer: the student needs to confirm the effective date of all insurances to determine which plan has been in effect the longest.

The plan you have had the longest pays first.

Student Health and Dental Plan as Primary Insurance.

Submit the claim to your student plan (My Canada Life Online Tool). Once processed, submit any portion that remains unpaid to your secondary insurance plan.

Student Health and Dental Plan as Secondary Insurance.

If you have an alternative insurance plan that you are also the primary holder of, and that has been in effect longer than your student plan, all eligible claims will be submitted to your alternative plan first. Once the claim is processed, submit any portion that remains unpaid to your student plan.

Submitting Claims for Your Spouse (if applicable).

Submit the claim to your spouse's primary plan first. Next, any unpaid portion can be submitted to your student plan.

Submitting Claims for a Dependent Child (if applicable).

Submit the claim to the parent's plan whose birthday falls first in the year (this is their primary benefit plan). Next, any unpaid portion can be submitted to the parent’s plan whose birthday falls second in the year.