This insurance plan is offered to members and employee(s) of the members of the Fédération des médecins spécialistes du Québec.

Since 1997, the Prescription Drug Act regarding insurance, considers physicians under 65 years of age and members of the Fédération des médecins spécialistes du Québec as not eligible to the Public Prescription Drug Insurance Plan.

If you are not already covered by a group insurance plan, offered by your employer or the employer of your spouse, you must join the health insurance plan negotiated by the FMSQ.

As prescribed by law, you must also obtain coverage for your spouse and dependent children if they are not covered by another plan.

Spouse means any eligible person who resides in Canada and who at the time of the event giving rise to a claim:

• is legally married to the member;
• living in a conjugal relationship with the member for at least 12 months and shall not be separated for 90 days or more because of the failure of their union;
• living in a conjugal relationship with the member, had a child with him and shall not be separated for 90 days or more because of the failure of their union

Dependent child means an eligible person who is a resident of Canada and who:

• is under 21 years of age and over whom the member or member?s spouse exercises parental authority or exercised parental authority until he reached the age of majority;
• is 25 years old or under and is a full-time student at an accredited educational institution and over whom the member or the member?s spouse would exercise parental authority if he were a minor;
• has reached the age of majority and is suffering from a functional impairment referred to in the regulation pertaining to the Drug Insurance Act adopted by the Quebec government. This impairment must have existed when the person?s status fit the definition of either a) or b) above. In order to be considered a person suffering from a functional impairment, this person must be living with the member or the member?s spouse who would exercise parental authority over him, were he a minor.

It is understood that the functional impairment will be defined as provided by the regulations of any provincial law, if any.

www.ramq.gouv.qc.ca

FMSQ has introduced a group plan offering superior insurance coverage than the Public Prescription Drug Plan. The FMSQ plan reimburses drugs requiring a prescription and also reimburses vaccines.

In addition, it gives you an excellent travel insurance including medical and hospitalization assistance. You also get a trip cancellation insurance (10 000$ per insured person).

Travel insurance covers you for all your travels abroad either for a one-day trip or a trip up to 182 days. There is no limitation on the number of trips you take throughout the year. The protection is 5 000 000$ per insured person.

You don't have to get this coverage through your travel agency, which represents savings on a travel budget.

You can choose between Option 1 and Option 2.

Option 1 provides coverage for health insurance, travel insurance and trip cancellation.

Option 2 gives you everything that is included in Option 1 in addition to providing reimbursement of paramedical expenses such as health professionals, private laboratory tests and much more.

For a more complete summary of the plan and to determine the premiums, please refer to our brochures.