How to Apply for a Quebec Health Card (RAMQ): Step-by-Step Guide for New Residents / Comment demander une carte d’assurance maladie du Québec (RAMQ) : guide étape par étape pour les nouveaux résidents

Last Updated on April 3, 2025

If you’ve recently moved to Quebec or are planning to live here, getting a RAMQ card—the health card issued by the Régie de l’Assurance Maladie du Québec—is one of the first things you’ll want to check off your to-do list. This card grants you access to the province’s publicly funded healthcare services, which is a cornerstone of living in Canada.

In this guide, we’ll break down the entire process step-by-step so you can navigate it with confidence. Plus, we’ll sprinkle in some FAQs and extra tips to make your experience a breeze.

What are the Régie de l’assurance maladie du Québec and the RAMQ Card?

The Régie de l’assurance maladie du Québec (RAMQ) is the government body in Québec, Canada, that oversees the administration of the province’s public health insurance system. Its primary purpose is to ensure that residents of Québec have access to essential healthcare services as outlined in provincial laws. RAMQ is responsible for distributing health insurance cards (also known as Carte Soleil), managing payments to healthcare providers, and administering drug insurance programs.

What is the RAMQ Card (Carte Soleil)?

The RAMQ card, also known as the Carte Soleil and often referred to as the “health card,” is issued to eligible residents and serves as proof of enrollment in Québec’s public health insurance plan. This card allows individuals to access a wide range of healthcare services covered under the plan, such as consultations with doctors, hospital services, and diagnostic testing. The card is essential for availing services without direct payment, as the government covers the costs of insured services.

The RAMQ card also plays a significant role in the administration of the Québec Prescription Drug Insurance Plan. This plan ensures access to necessary medications for all residents, particularly for those who do not have private drug insurance coverage. However, it doesn’t cover everything, like prescription drugs for most people under 65, dental care, or vision care, so private health insurance can be a good supplement.

Am I Eligible for a RAMQ Card?

Before you start gathering documents, you’ll need to make sure you’re eligible for the RAMQ card. The program is designed for people who are legal residents of Quebec, which includes:

1. Permanent Residents (PRs): If you’ve recently obtained your PR status and now call Quebec home, you’re eligible.
2. Temporary Residents: This includes international students and workers who meet the program’s residency requirements.
3. Canadian Citizens: If you’ve moved to Quebec from another province, you’ll need to register even if you already have a health card from elsewhere.
4. Refugees or Protected Persons: Individuals who’ve been granted official refugee status also qualify.

In general, you need to intend to live in Quebec for at least 183 days a year to be eligible for the card. The system is designed to prioritize people who genuinely live here, so short-term visitors or tourists aren’t eligible.

What Healthcare Services Does the RAMQ Card Cover?

The RAMQ card opens the door to an array of healthcare services provided by Quebec’s public healthcare system. While it’s not all-encompassing, here’s a detailed breakdown of what is covered:

Covered Services

1. Doctor Visits: Whether it’s a family doctor or a specialist, your RAMQ card ensures that consultations are free of charge.
2. Hospital Stays: If you’re admitted to a hospital, most services, such as surgery and diagnostic tests, are covered.
3. Diagnostic Services: This includes blood tests, imaging, and scans, as long as they’re prescribed by a healthcare provider.
4. Maternity Care: Prenatal care, childbirth, and postpartum services are all included.
5. Emergency Care: Emergency room visits for urgent medical conditions are covered, but non-urgent visits may result in additional costs.
6. Mental Health Services: Psychological services offered in hospitals and specialized clinics may be covered.
7. Physiotherapy: Certain conditions qualify for free physiotherapy in public institutions.

Partially Covered or Non-Covered Services

• Prescription Drugs: Covered only for those over 65, those on social assistance, and some specific cases. Everyone else might need private insurance for prescription drugs.
• Dental Care: Basic dental services are not covered, except for children under 10 in specific cases or dental surgeries performed in hospitals.
• Optometry: Eye exams are covered for individuals under 18 and those 65 or older, but not for the general adult population.

Knowing what is and isn’t covered can help you plan for supplementary private insurance if needed.

What’s the Process for Getting a RAMQ Card?

Now that you know you qualify, let’s dive into the actual process. Here’s a step-by-step guide to help you get started:

1. Gather Your Documents

First things first, paperwork! You’ll need to collect several documents to prove your identity, residency, and legal status in Canada. Here’s a quick checklist:

• Proof of Identity: A birth certificate, passport, or permanent resident card works well.
• Proof of Quebec Residency: This could be a lease agreement, a recent utility bill, or even a letter from your employer.
• Proof of Immigration Status: For newcomers, this includes your PR card, study permit, work permit, or refugee documentation.

It’s always better to have extra documents on hand just in case.

2. Complete the Application

You’ll need to fill out an application form for the Quebec Health Insurance Plan. You can download this form from the RAMQ website or pick up a copy at a service centre.

When filling out the form, double-check all your information to avoid any errors that could delay the process.

3. Visit a RAMQ Office

This step is crucial! You’ll need to head to a designated RAMQ service point to submit your application in person. While walk-ins are allowed, it’s always smart to book an appointment if possible, especially in busier cities like Montreal or Quebec City.

Remember to bring all your original documents and photocopies to submit with your application.

4. Wait for Your Card

Once your application is submitted and approved, your RAMQ card will arrive by mail. This usually takes 2–4 weeks, so be sure to check your mailbox regularly.

What About the Waiting Period?

A three-month waiting period applies to most newcomers to Quebec, and yes, it’s a bit of a headache. But there’s a good reason for it—it’s designed to prevent people from abusing the system by registering for healthcare without genuine residency intentions.

Are There Exceptions?

Luckily, not everyone has to wait. Here are a few exceptions:

• Newborns born in Quebec are covered immediately.
• Refugees or asylum seekers also qualify for immediate coverage.
• If you’re moving from another Canadian province and were covered by its healthcare plan, you may get temporary coverage during the waiting period.

If you’re stuck waiting, consider purchasing private health insurance as a safety net.

Renewing or Replacing Your RAMQ Card

The RAMQ card isn’t a one-and-done deal—it has an expiration date. Here’s what to do when it’s time to renew or replace your card.

Renewing Your Card

Your health card is valid for up to five years, depending on your residency status. RAMQ will usually send you a renewal notice about three months before your card expires. To renew:

1. Update your personal information if needed.
2. Submit your renewal request online or in person.
3. Provide a new photo, if required.

Replacing a Lost or Stolen Card

Misplaced your card? No worries. Here’s what you’ll need to do:

1. Report it lost or stolen to RAMQ immediately.
2. Fill out a replacement form, which can be downloaded online or obtained at a service centre.
3. Pay a small fee for the replacement (usually around $15).

Updating Personal Information

If you’ve had a life change—like moving to a new address, getting married, or legally changing your name—you’ll need to update your RAMQ card. It’s a simple process:

1. Log into your account on the RAMQ website.
2. Submit the updated information and any required supporting documents.
3. Wait for your updated card to arrive in the mail.

Special Considerations for Certain Groups

International Students

Students coming to Quebec for higher education will need:

• A valid study permit.
• Proof of enrollment at a recognized institution.
• Documentation of private or government-backed health insurance.

Temporary Workers

Workers in Quebec must hold a valid work permit and provide proof of employment and residence. The length of your stay often determines your coverage eligibility.

Absence from Quebec

If you’ve left Quebec for an extended period, you might need to re-register for health insurance. RAMQ will ask for proof that you’ve returned to live in the province.

Navigating RAMQ for Newcomers to Canada

If you’re new to the country and settling in Quebec, applying for the RAMQ card might feel a bit daunting. Here are some common scenarios and how to handle them:

Scenario 1: You’re Waiting for Your Permanent Residency

If you’ve applied for permanent residency but haven’t received it yet, you might not immediately qualify for the RAMQ card. However, temporary residents such as international students or workers can often qualify by providing their valid permit and proof of employment or enrollment.

Scenario 2: You’re Moving from Another Province

Moving to Quebec from another part of Canada? The good news is that you’ll likely be covered by your previous province’s health insurance plan during the three-month waiting period. Just make sure to notify the healthcare agency in your former province about your move.

Scenario 3: You’re an International Student

International students should check if their home country has a healthcare agreement with Quebec. For example, students from France often qualify for RAMQ coverage under special agreements.

Common Pitfalls and How to Avoid Them

Navigating bureaucracy can come with its fair share of challenges, but there are ways to sidestep the most common pitfalls when applying for a RAMQ card.

Mistake 1: Missing Documents

Ensure you have all required documents ready before heading to the RAMQ office. Forgetting a key piece, like proof of residency, can result in delays.

Mistake 2: Applying Too Late

If you’re a new resident, don’t wait until you fall ill to apply. Start the process as soon as you’re eligible.

Mistake 3: Not Knowing the Waiting Period

Many newcomers assume they’re immediately covered, only to find out there’s a three-month waiting period. Make sure to arrange for temporary health insurance in the interim.

Mistake 4: Neglecting to Update Information

Life happens—you move, get married, or change jobs. Forgetting to update your RAMQ details can cause complications down the line, especially when renewing your card.

More FAQs About RAMQ Healthcare Plan

To help you better understand the Quebec Healthcare plan, here are some frequently asked questions and their answers:

Conclusion

Getting your RAMQ card is a key step in settling into life in Quebec. With the card in hand, you’ll have access to one of the most comprehensive healthcare systems in Canada. By following the steps outlined in this guide and keeping common pitfalls in mind, you can ensure a smooth application process.

Remember, health is wealth—having your RAMQ card ensures that you can enjoy peace of mind and access essential healthcare services whenever you need them. So, whether you’re a permanent resident, a temporary worker, or an international student, take the time to get this crucial document sorted. It’s worth it for your well-being and that of your family.