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Group insurance claims

Need to file a group insurance claim? Find out how.

Log in to the secure site

Before you start

  • Check your insurance booklet to see if the expense is covered.
  • Note that expensive medications or those with a risk of misuse may require prior authorization.
  • Keep a copy of the receipt in case your claim is audited.
  • Submit a treatment plan before buying a product or receiving treatment that costs over $500.

Have a health spending or wellness account?

These accounts help pay for certain expenses not covered by your plan.

See how spending accounts work

Claiming expenses covered under multiple group plans

If your health and dental expenses are covered by more than one group insurance plan, you may be able to claim up to 100% of these expenses by submitting separate claims to each plan.

There are a few things to think about when deciding on what order to submit your claims to the different plans. The first thing to consider is the status of the person who incurred the expense.

Expenses incurred by the plan member

Scenario 1

You’re covered under a group insurance plan as an active plan member AND as a dependent under your spouse’s group plan.

Submit claims in this order:

  1. Your plan
  2. Your spouse’s plan

Scenario 2

You’re covered under two separate group insurance plans as an active plan member AND you’re covered as a dependent under your spouse’s group plan.

Submit claims in this order:

  1. The plan you’ve been covered under for the longest time as an active plan member
  2. The plan you’ve been covered under for the shortest time as an active plan member
  3. Your spouse’s plan

Scenario 3

You’re covered as an active plan member AND a retired plan member under 2 separate group insurance plans.

Submit claims in this order:

  1. The plan you’re covered under as an active plan member
  2. The plan you’re covered under as a retired plan member

Expenses incurred by a spouse

Scenario

Your spouse is covered as a plan member under their own group insurance plan AND as a dependent under your plan.

Submit claims in this order:

  1. Their plan
  2. Your plan

Expenses incurred by dependent children

Scenario 1

You live with the other parent of your children. Your children are covered under both your plan and your spouse’s plan.

Submit claims in this order:

  1. The plan of the parent whose birthday comes first in the calendar year (the year of birth is not taken into account)
  2. The plan of the other parent

Note: If both parents have the same birthday, the alphabetical order of the parents’ first names determines which plan to submit the claim to first.

Scenario 2

You’re separated and have shared custody of your children. Each parent has a new spouse and your children are covered under multiple plans (up to a total reimbursement of 100% of eligible expenses).

Submit claims in this order:

  1. The plan of the parent whose birthday comes first in the calendar year (the year of birth is not taken into account)
  2. The plan of the other parent
  3. The plan of the spouse of the parent whose birthday comes first
  4. The plan of the spouse of the other parent

Scenario 3

You’re separated and have sole custody of your children. Each parent has a new spouse and your children are covered under multiple plans (up to a total reimbursement of 100% of eligible expenses).

Submit claims in this order:

  1. Your plan
  2. Your current spouse’s plan
  3. Your ex’s plan
  4. Your ex’s current spouse’s plan

Scenario 4

Your dependent child is a post-secondary student and has a part-time job. Your child is covered through their job, their school and your group plan.

Submit claims in this order:

Medical and dental expenses

  1. Your child’s employer’s plan
  2. Your child’s student plan
  3. Your plan

Prescription drug expenses

  1. Your child’s employer’s plan
  2. Your plan
  3. Your child’s student plan

Note: You may need to submit claims in a different order for expenses incurred during a medical emergency that occurred outside your dependent child’s province of residence. If this is your situation, contact us.

Claim with your payment card

Have eligible expenses at your pharmacist, dentist or healthcare professional paid for right away.1

We pay the portion covered by your plan, and you pay the difference. You get a receipt that shows the claim amounts, which you can keep for tax purposes.

Where to find the card

You can find your card in the Omni app or on our secure site (under  Your account). 
If you have an iPhone, you can add your payment card to Apple Wallet.

Claim online

You can submit all your healthcare claims online. This includes prescription drug, vision care and dental care claims.

Log in to the secure site

Download the Omni app

How to file a claim online

Get step-by-step instructions on how to submit a claim on our secure site or in the Omni app.

Claim with a form

Upload your documents securely

Use pre-filled forms to save time

Go to our secure site. Under Tools and resources, download the forms you need and submit your claim.

Don’t see the forms you need on the secure site? Check the List of claim forms.

List of claim forms

Prescription drugs

Request for reimbursement of reference biologic drugs – 21084E (PDF, 1.44 MB)
Request for reimbursement of brand-name medications – 12126E (PDF, 1.21 MB)

Certain expensive drugs or drugs with high risk of misuse need to be authorized before they can be reimbursed. Find out how to request prior authorization.

File your claim

If you don’t have access to the secure site, mail your documents to the address listed on the form.

Healthcare and medical expenses

Healthcare

Use this form to submit claims for healthcare expenses.

For example:

  • Devices and equipment
  • Prescription drugs
  • Medical care
  • Services provided by a healthcare professional
  • Vision care
Healthcare benefits claim – 19132A (PDF, 1.99 MB)
Convalescent care
Home care claim – 98130E (PDF, 1.52 MB)
Home nursing care - Request for additional information – 09008E (PDF, 817 KB)

Dental care

Evidence of insurability for dental care – 20021A (PDF, 296 KB)
Dental care claim – 19110A (PDF, 1.93 MB)
File your claim

If you don’t have access to the secure site, mail your documents to the address listed on the form.

Wellness account

Wellness account claim – 17111E (PDF, 2.23 MB)
File your claim

If you don’t have access to the secure site, mail your documents to the address listed on the form.

Travel insurance

You can submit a claim online or by mail for:

  • Emergency healthcare
  • An accident while travelling
  • Trip cancellation
  • Baggage (damaged, lost, etc.)

Find the right claim form

Disability

If you have any questions, see our Disability claims guide This link will open in a new window. or call us at 1-800-463-7843 This link opens your phone app.. We're here to help.

Initial forms

Submit each completed form as soon as you can. You don't need to submit all 3 forms at once.

If you have a doctor's note, send it to us so we can add it to your file.

Disability or waiver of premium claim – 06329E (PDF, 1.55 MB)
Disability or waiver of premium claim – Employer's statement – 08317E (PDF, 1.61 MB)
Disability claim – Initial attending physician's statement – 02025A (PDF, 1.14 MB)

Other form

Disability claim – Attending physician's additional report – 02026A (PDF, 1.14 MB)
File your claim

Fill out the forms and gather the required documents. Upload your documents securely or mail them to the address listed on the form.

Critical illness

If you have any questions, call us at 1-800-463-7843 This link opens your phone app.. We're here to help.

Make sure you understand your coverage and the definitions of the critical illnesses, as well as any limitations and exclusions that apply. That way, you'll know you’re eligible for a benefit.

Critical illness insurance guide (PDF, 1.18 MB)
Critical illness claim – 170252A (PDF, 192 KB)
Critical illness claim – Employer's statement – 12123E (PDF, 1.34 MB)
Critical illness claim – Attending physician's statement – 17026A (PDF, 692 KB)
File your claim

Fill out the forms and gather the required documents. Upload your documents securely or mail them to the address listed on the form.

Death

If you have any questions, call us at 1-800-463-7843 This link opens your phone app..  We're here to help.

Initial forms

Death claim – Beneficiary's statement – 02227A (PDF, 1.30 MB)
Declaration of status for the deceased common-law spouse – 01311E (PDF, 2.28 MB)
Death claim – Employer's statement – 12123E (PDF, 1.34 MB)

Other form

Death claim – Physician's statement – 14153E (PDF, 1.14 MB)
File your claim

Fill out the forms and gather the required documents. Upload your documents securely or mail them to the address listed on the form.

Accidental death and dismember­ment

If you have any questions, call us at 1-800-463-7843 This link opens your phone app.. We're here to help.

Make sure you understand your coverage, the schedule of losses and any limitations and exclusions. That way, you'll know if you're eligible for a benefit.

Accidental dismemberment or loss of sight claim – 02809A (PDF, 1.37 MB)
Accidental dismemberment or loss of sight – Employer's statement – 12123E (PDF, 1.34 MB)
File your claim

Fill out the forms and gather the required documents. Upload your documents securely or mail them to the address listed on the form.

Contact us

You’ll need your group and certificate numbers.

By phone

1-800-263-1810 This link opens your phone app.

Group insurance products are manufactured by Desjardins Financial Security Life Assurance Company.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play, the Google Play logo and Android are trademarks of Google LLC. To find healthcare professionals who participate in the direct payment program, see TELUS Health eClaims.