Providing comprehensive Health Coverage for a Healthy Student Life
Niagara University has partnered with Alumo to provide comprehensive health coverage to our student community.
Policy Coverage Year:
At Niagara University, Student the policy period for student health coverage is as follows for students beginning in the following academic terms:
Access to converge cards will be provided on the first day of classes in any given academic term. Late arrival students are encouraged to wait up to 48 hours after their enrollment date to access their coverage card.
Alumo is Niagara University’s domestic student health coverage provider, offering supplementary coverage for a range of health needs, including prescription drugs, dental care, extended health services, vision care, and more.
A comprehensive overview of the health coverage plan, is conveniently located on the homepage of the coverage provider’s website. There students will find information on prescription drugs, dental, extended health benefits, vision care, accident coverage, and travel benefits.
For more in-depth coverage details, students can access the Student Brochure Booklet in PDF format, accessible via their Booklets and Forms page under Filing a Claim.
Students can find a wide range of healthcare providers that accept direct billing on Alumo’s Network Provider Benefits and Discounts Page. Direct billing helps students avoid out-of-pocket expenses.
Important: you aren’t limited to Alumo Network members. You’re covered for the insured portion of your plan regardless of the health professional you choose. However, By visiting an Alumo Network member, you’ll get additional coverage.
Students must complete their portal registration process to access their Coverage Card. See the section below on How to File a Claim for more details.
Extended Health and Dental Plan Insurer: Desjardin
Extended Health and Dental Plan Policy Number: Q2548
Certificate Number (9 digits): 00 + Student Identification Number, without the ”‘s”
RX ID: 51
Alumo has partnered with Desjardin to provide students with a more seamless experience accessing and managing their health coverage claims.
To file a claim, students must first visit Alumo’s File a Claim webpage to create an account on the Desjardin Insurance Portal. From there, students may follow the instructions provided to file their claims.
Additional claim forms may be found at the bottom of Alumo’s File a Claim webpage if needed.
Important: Keep copies of your receipts in case you’re asked to send them in. Your claims can be audited anytime in the 12 months after you submit them. You’ll also need them for your taxes.
Students who wish to opt out of the supplementary coverage or add family (dependent) members to their coverage must complete and submit the “Family Opt In or Opt Out Form” found on the Alumo Domestic student homepage, within the first 30 days of their policy period.
Alumo offers convenient support for all student health coverage needs.
Visit Alumo’s Contact Us page for more information.
Canada has a publicly funded healthcare system that provides universal health coverage for all citizens and permanent residents. “OHIP” is the Ontario Health Insurance Plan provided to all domestic students
As international students do not have access to Canada’s publicly funded health care program, they are required to obtain alternative health insurance. Alumo is the international student OHIP alternative provider at Niagara University.
Note: Protected Persons and convention refugees are automatically enrolled in the international student heath coverage plan and may opt out within the first 30days of the term, if they are OHIP eligible.
A comprehensive overview of the health coverage plan, is conveniently located on the homepage of the coverage provider’s website. There students will find information on prescription drugs, dental, extended health benefits, vision care, accident coverage, and travel benefits.
For more in-depth coverage details, students can access the International Student Booklet in PDF format, accessible via their Booklets and Forms page under Filing a Claim.
While all students may access their coverage details on the first day of classes, international students receive early arrival access, and may submit claims dated up to 30 days before their policy start date, provided they are physically present in Canada.
Students can find a wide range of healthcare providers on Alumo’s Direct Billing Network and Provider Benefits and Discount Network. Direct billing helps students avoid out-of-pocket expenses.
Important: you aren’t limited to Alumo’s Network members. You’re covered for the insured portion of your plan regardless of the health professional you choose. However, By visiting an Alumo Network member, you’ll get additional coverage.
Students must complete their portal registration process to access their Coverage Card. See the section below on How to File a Claim for more details.
Extended Health and Dental Plan Insurer: Desjardin
Extended Health and Dental Plan Policy Number: Q2547
Certificate Number (9 digits): 00 + Student Identification Number, without the ”‘s”
RX ID: 51
International Students have two claim pathways within their student health coverage that help to provide them with comprehensive care.
Primary Health claims for doctors visits, diagnostic tests and use of emergency rooms must be submitted to your International Medical Plan. To file a claim, visit the website and follow the 12-step instructions to create an account on the Alumo Portal. From there, students may follow the instructions provided to file their claims.
Secondary Health claims for extended health (physiotherapist chiropractor etc.) and dental services must be submitted to your Health and Dental-Extended Plan. To file a claim, visit the website to create an account on the Desjardin Insurance Portal. From there, students may follow the instructions provided to file their claims.
Additional claim forms may be found on the Booklet and Forms webpage if needed.
Important: Keep copies of your receipts in case you’re asked to send them in. Your claims can be audited anytime in the 12 months after you submit them. You’ll also need them for your taxes.
International students who do not qualify for OHIP
International students who do not qualify for OHIP are automatically enrolled in this health plan at the start of their policy period.
Students who wish to opt-in their dependent family member(s) to their coverage must complete and submit the “Family Opt In Form” within the first 30 days of the policy period.
Important: Family members are not added immediately when you opt in. They will be added to your student health coverage after the opt-in period ends.
Their coverage will be backdated to the start of the policy period, so they can submit claims for eligible expenses from the first 30 days of the policy (the blackout period).
International students and Protected Persons who qualify for OHIP
Most international students do not qualify for the Ontario Health Insurance Plan (OHIP). However, Service Ontario states that international students with valid work permits (such as post-graduate work permits) may be eligible for an OHIP card if they meet the following requirements:
Students who qualify for OHIP must contact the Student Experience Office and provide a copy of their OHIP card within the first 30 days of the policy period to opt out of the international student health coverage.
Important: OHIP cards must be valid for the entire health coverage period to be eligible for approval. Students will be notified of a decision in writing within 5 business days.
OHIP cards are retained for three years in accordance with Niagara University’s document retention guidelines.
International students who have recently obtained Canadian Permanent Residency (i.e., possess a valid Permanent Residency Card or Confirmation of Permanent Residency document) or anticipate family members joining them at a later date are advised to contact the Student Experience Office and the Student Accounts Office within 30 days of their change of status in Canada, to assess their eligibility for Student Health Coverage during the current academic term.
Alumo offers convenient support for all student health coverage needs.
Visit their Contact Us page for more information.