“THE” reference in terms of home insurance, Sogemec Assurances gives you access to superior quality products and services at exclusive rates thanks to the strength and purchasing power of your Federation. Our plan offers comprehensive insurance to which you can add optional coverage that meets your specific needs.
Optional coverages: the choice is yours!
Extensions of coverage exclusive to Doctors: This optional endorsement grants you:
- Additional settlement terms in the event of a claim, namely:
– Replacement value without obligation to rebuild
– Replacement value without obligation to replace your movable property
- Enhanced coverages, such as:
– $10,000 for jewellery, gemstones, pearls and watches
– $10,000 for bicycles, their accessories and equipment
– $100,000 for works of art
Water damage:
In addition to the basic coverage, get an insurance rider that covers ground water damage, such as:
- Sewer backup
- Penetration or infiltration of natural water through foundations, walls or basement openings
Earthquake: Covers damage caused by ground movements that may occur during an earthquake.
Umbrella insurance:
In the event of a disaster occurring anywhere in the world, Umbrella insurance completes your coverage by expanding the scope of civil liability.
You wish to find out more? Ask us for advice
1 866 350-8282
Please note that the plan offered by Sogemec Assurances is underwritten by The Personal Insurance Company. Certain conditions, exclusions and limitations may apply to the aforementioned offers. The terms and conditions relating to the coverages described are specified in the insurance contract, which prevails at all times.
Benefits reserved for our policyholders!
As a member of the FMSQ, you benefit from the following telephone assistance services:
In addition to a full range of personal insurance products, your Federation in partnership with Sogemec Assurances offers you comprehensive and competitive automobile insurance. The strength of your group enables you to benefit from superior products and services at exclusive rates.
Some of our reassuring coverages:
Replacement cost – Protect your new vehicle against depreciation
Worry-Free Option® – This package provides the following coverage:
- If you rent a car
Up to $100,000 for damage to unowned vehicles
- If your car is stolen or is off the road following an accident
– Up to $1,500 for travel costs
– Up to $750 for additional expenses if the loss occurs during a trip
- If your car is a total loss or is damaged in a hit-and-run
No deductible
Umbrella policy – Provides additional liability insurance for losses that occur anywhere in the world
You wish to find out more? Ask us for advice
1 866 350-8282
Please note that the plan offered by Sogemec Assurances is underwritten by The Personal Insurance Company. Certain conditions, exclusions and limitations may apply to the aforementioned offers. The terms and conditions relating to the coverages described are specified in the insurance contract, which prevails at all times.
Worry-Free OptionTM is a registered trademark of a company affiliated with The Personal Insurance Company.
No one is immune to serious illnesses, and as a doctor 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.
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.
Talk to our customer service
1 800 361-5303
Our dental coverage, offered under Option 2 of our Health insurance plan, provides dental reimbursement of up to $1,500 per insured person per year for the following services:
- Basic dental care and prevention: 100%
- Minor restorations: 80%
- Major restorations: 50%
- Orthodontic care: 50% — maximum of $1,500 for the duration of the contract
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 FMSQ, as ineligible for the public prescription drug insurance plan. You must subscribe to the prescription drug insurance plan negotiated by the FMSQ 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 good news? The FMSQ has set up a plan providing greater coverage than the public plan, which includes vaccines and medical-hospital travel coverage with assistance services abroad. You even benefit from trip cancellation insurance of $10,000 per insured for all your trips, from 1 to 182 days — with no limit on the number of trips abroad!
Click here to view the premium and coverage brochure
Premiums and coverage
Click here to consult the detailed brochure of the Drug, Health, Travel and Dental coverages
Detailed plan brochure
You wish to find out more? Ask us for advice
1 800 361-5303
3 options to choose from
Option 1
Drug and travel insurance coverage, including trip cancellation.
Option 2
Option 1 coverage + reimbursement for paramedical expenses, private lab tests and more.
Option 3
Drug insurance coverage that allows you to comply with the Act respecting prescription drug insurance at a lower premium than the public plan if you are under 50.
Click here for the enrollment form
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.
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
The assurance of great expertise
You’re a busy professional pressed for time, and we understand that. Relying on Sogemec Assurances’ experts means benefiting from quick and easy handling of your insurance needs. Our advisors can give you access to the best products on the market and take care of everything for you.
Sogemec Assurances is a subsidiary of the Fédération des médecins spécialistes du Québec, and one of the largest consulting firms specializing in group insurance and financial services serving more than 12,000 professionals. We offer you an insurance plan recognized by your profession and designed exclusively for you. By relying on us, you are also helping to strengthen the strength and purchasing power of a group to which you already belong. This is doubly profitable!
With Sogemec Assurances, meet all your needs by doing business with a firm specializing in financial security. It’s your turn for a professional consultation? Ask us for advice.
Speak with an advisor
Live and work with confidence
We serve and support doctors like you, and we offer all the insurance coverage a career professional is looking for, including life, disability, medical and dental care, auto, home, business and more! Take advantage of our exclusive products and rates negotiated with the best insurers, supported by expert advice so that you may make the best decisions for yourself, your practice and your family.
Do you need personal insurance?
Our advisors can also suggest individual insurance products offered by all insurers on the market. Find out more!
