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Health insurance claims

Looking to make a claim for health, dental or prescription drug expenses? Here's what you need to know.

For group life insurance claims

If you have insurance through your employer, see how to file a group insurance claim.

Before you make a claim

Check the maximum benefit amount per person per year in your policy.

Prescription drugs and dental care

Show your payment card (Desjardins Insurance card) to your pharmacist or dentist. If they participate in the direct payment program, we pay the portion covered by your insurance right away, and you pay the difference.

You get a receipt that shows the claim amounts, which you can keep for tax purposes.

If direct payment isn't possible

Fill out the appropriate claim form and gather the required supporting documents. Then send everything through our secure site or by mail (address listed on the form).

If the drug you've been prescribed needs prior authorization

Be sure to get your medication approved before going to the pharmacy. Find out how to request prior authorization

Professional healthcare services

Show your payment card (Desjardins Insurance card) to your physiotherapist, optometrist or other healthcare professional. If they participate in the direct payment program, we pay the portion covered by your insurance right away, and you pay the difference. 1

You get a receipt that shows the claim amounts, which you can keep for tax purposes. 

If direct payment isn't possible

Fill out the Healthcare benefits claim form and gather the required supporting documents. Then send everything through our secure site or by mail (address listed on the form).

Healthcare

To make a claim for:

  • Prescription drugs
  • Vision care
  • Professional healthcare services
  • Medical care
  • Diagnostic services
  • Hospitalization

Fill out the Healthcare benefits claim form and gather the required supporting documents. Then send everything through our secure site or by mail (address listed on the form).

Good to know

You can sign up for direct deposit to get reimbursed directly into your account.

FAQ

How long do I have to submit a health insurance claim?

You must submit your claim within 12 months of incurring the expense.

Can I submit a claim if I'm covered under 2 health insurance plans?

Yes. If you submit a claim when there are 2 insurance plans, be sure to complete the Coordination of benefits section on the claim form. You may be entitled to a reimbursement of up to 100% of your eligible expenses.

Are medical expenses tax deductible?

No. Medical expenses covered by health insurance are not tax deductible. But premiums paid may be considered a deductible expense when calculating your net business income. They may also be eligible for the medical expense tax credit.

File a health insurance claim

By phone

Monday to Friday: 8 AM to 7 PM

1-888-558-5525 Phone number of Desjardins Insurance. This link opens your phone app.

Claim forms

Health insurance – SOLO

Prescription drugs and healthcare

Dental care

You can also use the form provided by your dentist. If you do, make sure to clearly indicate your contract and certificate numbers.

Health insurance – Vision

Prescription drugs and healthcare

Dental care

You can also use the form provided by your dentist. If you do, make sure to clearly indicate your contract and certificate numbers.

Other forms

Life insurance and living benefits products are manufactured by Desjardins Financial Security Life Assurance Company.
If an additional exclusion applies to your insurance policy due to a specific medical condition, direct payment won't be an option, even at participating healthcare professionals. You'll have to pay the full amount and submit a claim.