MÉDIC Construction and COVID-19 – Insurance coverage

In the current context of the COVID-19 pandemic, the Commission de la construction du Québec (CCQ) is responding to a high volume of questions from people insured under the MÉDIC Construction insurance plan.

To provide assistance to the industry’s insureds, here are the general guidelines regarding insurance coverage concerning medical emergencies abroad and salary insurance.

TRAVEL-CANCELLATION INSURANCE 

MÉDIC Construction does not provide any trip cancellation insurance coverage.

MEDICAL EMERGENCY ABROAD

Situation Coverage
Consultation for symptoms (flu or coronavirus) 80% reimbursement of consultation cost, after reimbursement obtained from the RAMQ.
Costs of medications and lab tests are reimbursable, according to the terms set out in the plan held by the insured.
Hospitalization 100% reimbursement for costs related to the medical condition for which the insured was admitted.
Quarantine ordered for a person suffering from COVID-19 but not hospitalized If subsistence costs are generated due to this quarantine, the maximum reimbursable for subsistence costs is CA$100 per day per insured, for a maximum of 7 days and upon presentation of invoices.
Repatriation of the person and his or her dependents  If the medical condition permits, in order to limit costs, the repatriation of the insured or his or her dependents may be organized and costs reimbursed 100%.
If, for medical reasons, the person cannot return to his or her point of departure by the originally planned means of transportation, the cost of repatriation is 100% reimbursable.

Find out more about medical emergency abroad

SALARY INSURANCE 

In case of total disability, salary insurance covers insureds who are incapable of working following a disease, an accident, or during medical treatment. The usual coverage applies. 

However, if the insured:

 
Situation Coverage
Has gone into voluntary quarantine, without medical diagnosis No benefits or hour credits are granted, according to the regulation.
Has contracted COVID-19, diagnosed by a physician

Benefits and hour credits are granted.
As usual, the insured must: 
1. Make a claim for employment insurance from Service Canada;
And then…
2. Fill out form 11, Application for short-term salary insurance and hour credits, and send it to the CCQ. The file will then be evaluated starting from the date given by the physician in the section Declaration of the attending physician.

To find out more about salary insurance. Consult the section Salary insurance/Weekly indemnities.

For more information from official sources on COVID-19, visit quebec.ca/coronavirus.

To follow changes in the situation and find out about the current status of our services: ccq.org/covid19

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