Critical illness insurance needs analysis

Not sure how much critical illness insurance you’ll need to cover yourself and your family? Do the math! Don’t worry, no information will be transmitted via our site.


Analysis of your disability insurance needs

Not sure how much disability insurance you will need to meet the needs of you and your family? Do the math! Don’t worry, no information will be transmitted via our site.

Life insurance needs analysis

Not sure which coverage is right for you and your loved ones? Do the math! Don’t worry, no information will be transmitted via our site.


Dental Insurance

More than ever, a visit to the dentist can be expensive, even if you just need a routine check-up with basic cleaning and a fluoride treatment. Include follow-up X-rays, emergency repairs or orthodontic care for the family …. and the total cost can add up quickly!

Regular dental check-ups are essential to prevent any problem from developing into more expensive and complex treatments. You know better than anyone: an ounce of prevention is worth a pound of cure. That’s why planning for adequate dental care insurance can become a lifesaver.

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1 800 361-5303
Our dental coverage, offered under Option B of our Health insurance plan, provides dental reimbursement of up to $2,000 per insured person per year for the following services:

  • Basic dental care and prevention: 80%
  • Minor restorations: 75%
  • Major restorations: 50%

Critical Illness Insurance

No one is immune to serious illnesses, and as a general practitioner you know this better than anyone. But did you know that special coverage exists to prepare you for this? Our critical illness insurance provides for the payment of a lump sum benefit which, in the event of a serious medical setback, will enable you to meet your needs and those of your loved ones, including all the financial needs related to your recovery. Live worry-free during your recovery!

The best part? By including a premium refund clause, this coverage becomes a financial asset.

You wish to find out more? Ask us for advice

Speak with an advisor

Do you want to be fully protected? Here are the options available to you:

Basic coverage

A lump sum is paid after a diagnosis of one of the illnesses covered by the insurance plan. The insured must survive a certain number of days according to the diagnosis to be eligible.

Illnesses covered

The illnesses provided for in the insurance contracts can vary between 3 and 30 illnesses, depending on the insurer. That said, three of them — strokes, heart attacks and cancer — account for more than 80% of claims.

Premium refund

Several options are available in the insurance contracts we offer. These can be a refund in the event of death or contract cancellation. Please note that a refund of premium is generally possible if the policyholder has not made any claims.

Life Insurance

By taking out life insurance, you do more than guarantee your peace of mind. You ensure their financial support, their safety and their well-being.

What is life insurance for?

Life insurance can help your loved ones deal with a host of immediate and future issues that change from family to family. It could be used to:

  • Pay off your debts, such as credit cards, your mortgage, etc.
  • Pay your funeral expenses
  • Ensure ongoing income for your surviving spouse to manage day-to-day expenses like groceries, car expenses, etc.
  • Help pay for your children’s education, and more.

Sogemec Assurances offers several types of life insurance, whether individual insurance or through your group insurance. We also offer accident insurance which covers other life challenges, such as the loss of use of a limb, and its impact on your on your professional future.

You wish to find out more? Ask us for advice

Speak with an advisor

Drug, Health & Travel Insurance

Insuring your good health

Since 1997, the Régime général d’assurance médicaments considers physicians under the age of 65, who are members in good standing of the FMOQ, as ineligible for the public prescription drug insurance plan. You must subscribe to the prescription drug insurance plan negotiated by the FMOQ for you, your spouse and your dependents if you are not already covered by:

  • Your employer
  • Your spouse’s employer’s plan
  • The plan of another association of which you are a member

The FMOQ has set up a plan offering a choice of 3 options. Option R is available without a medical questionnaire and offers you the minimum coverage required to comply with your obligation to have drug insurance as required by the Act respecting prescription drug insurance.

Options A and B are available subject to a medical questionnaire and offer superior coverage to the public drug insurance plan, as well as including medical-hospital travel insurance with foreign assistance services and trip cancellation coverage.

Click here to view the premium and coverage summary
Espace client Premiums and coverage

Click here to consult the detailed brochure of the Drug, Health, Travel and Dental coverages
Espace client Detailed plan brochure

You wish to find out more? Ask us for advice

1 800 361-5303

Disability Insurance

You already insure your home, vehicles and other valuables, so why not protect your income? When a health problem prevents you from working and you lose your income overnight, it is important to be able to rely on disability insurance designed specifically to cover all your needs. Disability insurance provides you with a monthly indemnity that is tax-free if you personally pay for your insurance plan. This valuable payment replaces your income and pays for your expenses. Now that is peace of mind!

The right advisor for the right coverage

Did you know that you should review your insurance coverage at every major stage of your life, so that it continues to match your current and future life goals? For example, your insurance coverage could be enough to cover the mortgage on your first home, in the event of a disaster. But if you decide to have a child, or two, or three, will it be enough to support them, pay for their education, etc.? What if you lose your source of income due to illness or accident ? You should think about that.

Generally, all you have to do is make a claim to the insurer by presenting a declaration of invalidity signed by (who else!) your own attending physician. But beware…the definitions of disability vary from one contract to another, and from one insurer to another.

This is why it’s better to do business with an advisor who can guide you and recommend the best product for you.

You wish to find out more? Ask us for advice

Speak with an advisor

Other options may also be added depending on the product and the insurer. Because all doctors have different personal and professional realities, choosing the right coverage with the right options is essential.

Sogemec Assurances’ advisors are specialized to deal with health professionals like you and will be able to help you make your choice. They have access to every option on the market, whether it’s your exclusive association group plan or various individual insurance products. Moreover, they are not connected to any financial institution. So they work for you, with objectivity and integrity. 

Cyberrisk Insurance

More than ever, cyber risks or cyber threats are making headlines and for good reason! These IT security risks are multiple and as difficult to avoid on a daily basis as to overcome in the long term: phishing emails, viruses and malware lurk at every turn. Cybercriminals can exploit a loophole to gain access to your information and that of your patients. In a medical context, the risk is untenable. As soon as your practice uses the Internet in the course of your activities, the reality is that you’re already living with such risks.

Why insure against cyber risks?

For a medical practice, any security breach has potentially catastrophic consequences. You may suffer significant financial losses, see your activities completely disrupted and lose the aura of security essential to the medical profession. Despite all the cybersecurity tools available to companies, current events show that the risk still exists. Hence the importance of insurance coverage to limit your losses and the impact of a cybercriminal act on your patients.

You wish to find out more? Ask us for advice.

1 866 350-8282

CYBERUN – Your ally in the event of a computer attack

 Imagine this scenario: Your practice is the victim of a hacker who infects the computer system using a computer virus. This virus makes it impossible for doctors to access patient records, in addition to partially erasing certain data. This attack also affects all the activities of the clinic, which is no longer able to confirm or make appointments with patients.

In such a case, the Cyberun guarantee helps you ensure the continuity of your activities if you suffer financial losses following a computer attack. Such an attack can disrupt the operation of your business by causing damage to your data, operating systems and software.

This coverage will cover, among other things:

  • Support services offered by companies with expertise in the field of information and communications technologies
  • Cost of replacing lost or corrupted data
  • Costs for restoring systems or reinstalling computer programs and removing any malicious code
  • Operating losses and additional costs incurred during the period when the recovery of data and computer systems will take place

We help you restore your identity

Unfortunately, as a practice owner, you can also be a victim of identity theft. Identity theft is the fraudulent use of personal identification information that may be used to commit criminal acts, illegally establish credit accounts, secure loans or enter into contracts.

For example, let’s say that a few months after losing your wallet during a trip to Toronto, you were denied a credit application for reasons that do not correspond to the health of your financial situation. With the identity restoration guarantee, benefits include among other things:

  • Telephone assistance service
  • The assistance of a professional in identity restoration who will guide you through all the stages of the process
  • Reimbursement of certain fees (e.g. fees related to credit agency reports)

Business Expense Insurance

Business expense or office overhead insurance is an important coverage that will help you pay your fixed costs according to the insured amount and the indemnity period you have chosen. From your employees’ salaries to your rent, electricity bills and more, avoid the negative impacts of an illness or injury that could prevent you from working for a few months. That way, you can take care of your recovery worry-free!

Did you know that business expense or office overhead insurance premiums are tax-deductible business expenses?

Choose this type of coverage to protect your future and your employees in every way:

  • Employee salaries
  • Rent
  • Public services and utilities
  • Professional membership fees
  • Equipment depreciation
  • And more!

You wish to find out more? Ask us for advice

Speak with an advisor

Are you a practice or clinic owner? Have you thought about protecting yourself in case of civil liability, fire or theft? Click here to learn more.


The hour of retirement will soon ring? It is recommended to prepare well for this brand-new stage of life. As a general rule, the following coverages must be considered and adjusted:

Disability insurance is salary insurance. If you work less or stop working, it is normal to adjust your coverage. Have you achieved financial independence and are still working? Maybe you just don’t need that coverage anymore.

During retirement, it is important to quickly notify your advisor to stop this coverage.

Travel insurance:
If you are thinking of taking advantage of retirement to travel, good travel insurance will be necessary. Contact us to plan the transition and choose the product that will best meet your needs.

Life insurance:
With retirement, do your coverages still meet your needs? Is your beneficiary designation up to date? Retirement is a good time to review your life insurance coverage in general.

The purchase of an annuity
Do you want a portion of your retirement income to be guaranteed? The purchase of an annuity allows you to receive a fixed amount for a determined period of time or throughout your retirement. The amount of the annuity will be determined by the amount you can invest, the length of the payments and the interest rates offered at the time of purchase.

You wish to find out more? Ask us for advice.

Speak with an advisor

Private Management

Sogemec Assurances advisors work in collaboration with the FMOQ Funds team. A subsidiary of the Fédération des médecins omnipraticiens du Québec (FMOQ), the FMOQ Funds companies’ mission is to contribute to the prosperity of general practitioners by offering them high-quality products and services at the best possible cost, for their personal and professional needs.

  • Investment solutions
  • Private management (discretionary)
  • Financial planning
  • Analysis for incorporation
  • Clinic management support
  • Medical billing

To find out more, feel free to ask your Sogemec consultant to put you in touch or get in touch directly by visiting their website.


Permanent Life Insurance

Your accountant has probably already warned you: growing wealth means higher tax rates and excess capital. Business owners are usually looking for solutions to manage the assets they have accumulated there. The wealthier people are, the more they become accustomed to a higher standard of living and the more they have to lose. Life insurance is a guarantee that serves to protect the investor’s lifestyle, no matter what the future holds.

By professionals for professionals

Without a financial security advisor to talk about insurance on your financial planning team, you are missing out on proven investment and tax strategies! At Sogemec Assurances, take advantage of the services of professionals with all the essential expertise to help affluent investors protect their assets, as well as preserve and maximize the value of their heritage. That way, you will be able to make your own informed decisions.

 A tool to grow your capital

Term life insurance is a recognized tool for covering your short-term needs such as a mortgage, but what about your very long-term life insurance needs (known as estate)?

The amount of insurance you need to protect your wealth may be more than you think. That’s why it’s important to include a financial security advisor on your financial planning team, at the risk of missing out on highly profitable investment and tax strategies. It is just as essential to carry out an analysis of your needs and objectives to put in place the appropriate insurance solutions.

You wish to find out more? Ask us for advice.

Speak with an advisor

Speak to an advisor

Your best reference: a trustworthy team

Having been specifically mandated by your profession, Sogemec’s team of consultants acts in your best interests, with complete integrity.

Our expert partners are not a team with a sales objective within a sales organization, they see you as a professional with a demanding lifestyle, deserving of the best protections available!

For auto and home insurance, contact :

1 866 350 8282

For your Drug, Health & Travel insurance, contact our customer service at :

1 800 361-5303


Your best reference: a trustworthy team

Since Sogemec Assurances is the partner of choice for many Quebec professional groups, our team of financial security advisors has developed unique expertise in the field of association insurance. Unrelated to financial institutions, they act in the sole interest of professionals who trust us to create, negotiate and offer the best possible coverage.

Their watchword? Integrity. The most reassuring? They are always one phone call away with the personalized solution you are looking for.



Dr. Vincent Oliva, President

Dr. Isabelle Girard, Vice President

Pierre Phénix, Treasurer

Gaston Leblanc jr, Secretary

Andrée Charest, Administrator

Other administrators

Dr. Michel Carrier

Dr. Suzie Lévesque

Dr. Jean Simard


A dedicated team always close to you

For an online request for information or an appointment,
please click here to use online form.

1 866 350-8282
Option #2


2, Complexe Desjardins
Tour de l’est, 20th Floor
C.P. 217 Succ. Desjardins
Montréal (Québec) H5B 1G9

Phone: (514) 350-5070
Fax: (514) 350-5071


Place de la Cité – Tour de la Cité
2600, boulevard Laurier, bureau 800,
8th floor
Québec (Québec) G1V 4W2

Phone: (418) 990-3946
Fax: (418) 647-3754


1910, rue King Ouest
Suite 310
Sherbrooke (Québec) J1J 2E2

Phone: (819) 820-2213
Fax: (819) 820-2215

About us

Welcome to the world of Sogemec Assurances

Specialized in association insurance since 1978, Sogemec Assurances is a financial services consulting firm whose mission is to design personalized products of superior quality, negotiated and offered at exclusive rates in order to meet the specific needs of current and future professionals.

Already firmly established with professional associations, we work tirelessly with professionalism and integrity to remain “THE” benchmark in insurance and financial services dedicated to career professionals, associations and academics of today and tomorrow.

Our history

A consulting powerhouse serving the largest associations for more than 40 years, Sogemec Assurances is a subsidiary of the Fédération des médecins spécialistes du Québec (FMSQ) with the Fédération des médecins omnipraticiens du Québec (FMOQ) and the Corporation des notaires du Québec as shareholders. It was created in 1978 and incorporated in 1986, following amendments to the Insurance Act.

From the beginning, Sogemec has been involved in the field of personal and property insurance, thus responding to an ever-increasing demand from FMSQ members. The very name of Sogemec Assurances is inspired by these origins that make us proud:


SO (Société/Society) GE (Gestion/Management) MEC (Médecin/Medecine)


Our clients and our partners

Our network of partners and affiliated companies testifies to our dynamism and our unequalled know-how. With several professional associations grouped under one roof, we enjoy unparalleled bargaining power that allows us to design and manage tailor-made products and services for our clients.

Through this unique network in Quebec, Sogemec Assurances financial security advisors can offer a wide range of personal and property insurance products. They can also provide profitable access to a variety of wealth management products and services — all tailored to the needs of professionals at every stage of their career and life.

Today, several groups of professionals call on us to offer association insurance to their members. Along the way, we have also earned the support and respect of the strongest and most reputable insurers, which allows us to offer the best products and personalized solutions. Our team of advisors ensures you an unparalleled customer experience, with expertise and integrity.

Protecting the professional and personal lives of our clients is the challenge we have taken up for more than 40 years. In 2020, all the groups served by Sogemec Assurances totalled more than 19,000 policyholders.


Respected partners, a trusted reference

Sogemec Assurances is proud to have acquired the trust of many professional associations over the years. The negotiating power held by our unique network in Quebec allows us to design, negotiate and offer superior products and expert services.


Fédération des médecins spécialistes du Québec (FMSQ), since 1978

Fédération des médecins omnipraticiens du Québec (FMOQ), since 2023

Corporation de service des notaires du Québec (CSNQ), since 1992


Fédération des médecins résidents du Québec (FMRQ), since 1993

Fédération médicale étudiante du Québec (FMEQ), since 2004

Médecins francophones du Canada (MFC), since 2006

Association des jeunes notaires du Québec (AJNQ), since 2021

Affiliate company

Financière des professionnels

Financière des professionnels

Affiliated company of Sogemec Assurances and a subsidiary of the FMSQ, FDP has developed a variety of wealth management products and services that are fully adapted to your profession and your stage of life. Targeted on your objectives, their personalized support allows you to benefit from the experience and know-how of its specialists. To learn more and get in touch, visit their website.