Personal health insurance claims
Looking to make a claim for health, dental or prescription drug expenses? Here's what you need to know.
For group 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.
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 personal 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 personal 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 personal 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.