The RAMQ (Régie de l’assurance maladie du Québec) is Quebec’s public health insurance. It allows access to medical consultations, hospitalization, and emergency services without paying the full cost, provided eligibility criteria are met.
Can a TFW with a closed work permit have RAMQ?
Yes, if your work permit is valid for more than 6 months, you reside in Quebec, and your immigration status is valid. Having a closed permit does not prevent access to health insurance: what matters is your legal status.
How and where to apply for RAMQ?
You can register directly with RAMQ. The process is mainly done online on RAMQ’s official website. Online registration form for RAMQ (for temporary workers, students, and new residents).
You must be in Quebec when filling out the form and provide your Quebec mailing address in order to receive your health insurance card.
You can also check clear instructions on how to register and the required documents on this official page:
Basic documents that may be required:
- Valid work permit
- Passport
- Proof of residence in Quebec
(The official page will specify exactly which documents to submit based on your situation.)
There is usually a waiting period of up to 3 months before coverage takes effect. During this time, it is recommended to have private health insurance.
RAMQ covers essential medical services such as consultations, hospitalization, and emergency care for individuals who hold a valid card.
In Quebec, everyone covered by RAMQ must also have drug insurance. If the employer does not provide private insurance, the worker must enroll in RAMQ’s public drug insurance plan, which involves a monthly contribution and co-payments.
If a TFW loses their job, changes employers, applies for an open work permit due to vulnerability, or is in the process of changing their status, they must inform RAMQ. Coverage may be affected depending on the new immigration status.
Many TFWs with a closed work permit face misinformation, fear of losing their job, lack of clarity about their rights, and language barriers. It is important to know that RAMQ is a right when the eligibility criteria are met. It is not an “employer benefit,” but an integral part of Quebec’s public health system.
