Students

Questions

For questions about coverage or to initiate a claim, contact an Insurance Administrator at:

Direct Line: (604) 638-2904
Toll Free: 1-800-665-2262 Ext. 2904
Email: insurance@doctorsofbc.ca

Student Plans

Find out about competitive insurance plans available for Doctors of BC medical students. 

Why might you need Insurance as a Student? 

Read more info about student coverage

Life Insurance

Doctors of BC will provide no-cost coverage to full-time undergrad med students who are members, and who apply for the Student Life Insurance during all four years of medical school. 

Once you apply, you will be insured for $100,000 of Term Life insurance without having to provide medical proof of good health In the event of your death, your coverage amount will be paid to your designated beneficiary.

Additional life insurance coverage beyond $100,000 is available; however, you will be required to submit medical evidence of good health, and pay the related premium once your coverage is approved. 

Your spouse is also eligible to apply for Life insurance. Contact a Doctors of BC Insurance Administrator for more information.

To find out more:

The Student Insurance Brochure explains: 

  • Why you might need this kind of insurance. 
  • Coverage and built-in features, such as the Living Benefit and Conversion Option 
  • Exclusions and termination

To Apply for Term Life Insurance: 

  • To apply for Student Life Insurance without medical evidence – submit completed Student Application.
  • To apply for excess above $100,000, submit completed Application Form via email, fax or mail.

Scan & Email: insurance@doctorsofbc.ca
Fax: 604 638 2909

Mail: Doctors of BC, Insurance Department, 115 – 1665 W Broadway, Vancouver, BC V6J 5A4​

Medical Evidence of Good Health: 

If you are applying for coverage beyond $100,000, medical evidence of good health is required after you submit your application. We will contact you to make arrangements at no cost to you. Depending on your age, health and the amount of coverage being applied for, you may be required to provide one or more of the following: 

  • Telehealth interview
  • Blood and urine
  • Vitals
  • Paramedical Exam
  • ECG

Coverage Considerations as you transition from Medical School to Residency: 

Your Student Life Insurance will automatically transition to Resident Life Insurance when you complete medical school. At that time, you will be prompted with an opportunity to elect additional coverage and Riders at the transition point. 

Read more information about Resident Coverage

Disability Insurance

Get a head start on establishing your financial protection plan. 

It’s smart to be ahead of the game and insure yourself when you’re young and healthy. Changes in your health could make it hard — sometimes impossible — to obtain coverage or afford the premiums for the coverage you may need in the future. And, if you have student or car loans, living expenses, or a mortgage on a first home or condo, insurance can help you cover some of these expenses if you become sick or have an accident. 

Doctors of BC will provide no-cost coverage to full-time undergrad med students who are members, and who apply for the Student Disability Insurance during all four years of medical school.

How much Disability insurance is available to me?

The plan provides:

  • $1,500 monthly benefit if you are a first or second-year student
  • $2,500 monthly benefit if you are a third or fourth-year student
  • $4,000 monthly benefit if you are a 4th year student. This is optional and an Application Form must be completed. 

How much does it cost?

Premiums for students in years 1 - 3 and premiums for students in year 4 under the $2,500 monthly benefit option are paid for by Doctors of BC.

Premiums for students in 4th year under the $4,000 monthly benefit option are seen in the chart below.

age 4th Year ($4,000 monthly benefit)
Under age 40 $75
40 - 44 $150
45 - 54 $225
55 - 64 $300

Do I need to provide medical proof of good health to apply?

No, you don’t need to provide proof of good health, but a pre-existing condition limitation applies during the first 12 months of coverage. This means that you may not be covered for a disability that results from a health condition you had, whether diagnosed or not, during the 12 months following the effective date of your coverage under this plan. This limitation no longer applies after your coverage has been in place for 12 months.

How do I find out more?

Read the Student Insurance Brochure for details on the following: 

  • Levels of coverage and elimination period
  • Total vs partial disability coverage
  • Built-in features: Waiver of Premium Benefit, Cost of Living Adjustment Benefit
  • Portability 
  • Termination

To apply for Student Disability Insurance: 

Submit your completed application form via email, fax or mail. 

Scan & Email: insurance@doctorsofbc.ca
Fax: 604 638 2909

Mail: Doctors of BC, Insurance Department, 115 – 1665 W Broadway, Vancouver, BC V6J 5A4