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Drug insurance in Quebec – Terms and conditions of pooling for 2020

News Release

The Canadian Drug Insurance Pooling Corporation (CDIPC) coordinates the pooling process among various life and health insurance companies. The primary objective of pooling is to allow group insurance policyholders to protect themselves against the financial impact of significant drug claim costs.

Current features only apply to Quebec certificates

Groups with fewer than 6,000 plan members are subject to the same standard formula that is applied across the industry, whether the group is insured or not. All insurers and administrators of administrative services only (ASO) plans must participate in the pooling system.

Pooling will apply to the private plan formulary for all groups regardless of their size.

Pooled amounts will be the amounts actually reimbursed that exceed the threshold.

Pooling parameters for 2020

iA Financial Group will continue to apply the threshold and costs for groups of 50 to 124 certificates to insured groups of 125 or more certificates in compliance with the pooling parameters set by the Corporation. iA Financial Group also offers several pooling parameters for groups that are funded on a retention or ASO basis.

Group size
(number of certificates)
Threshold per
certificate as per
the Corporation
Threshold per
certificate at
iA Financial Group
Net annual cost per
individual certificate
Net annual cost per
family certificate

Less than 25 $8,000 $8,000 $211 $581
25 to 49
$16,500
$16,500
$137
$376
50 to 124
$32,500
$32,500*
$74
$205
125 to 249
$47,500
$32,500*
$74
$205
250 to 499
$72,000
$32,500*
$74
$205
500 to 999
$95,000
$32,500*
$74
$205
1 000 to 3 999
$120,000
$32,500*
$74
$205
4 000 to 5 999 $300,000
$32,500*
$74
$205

*May vary depending on the threshold established by CDIPC.

These new parameters will be used for 2020 renewals.

For more information about pooling, please contact your advisor or your iA Financial Group Account Executive.