Medical Care for Civilians in Europe
For civilians OUTCAN, healthcare and dental coverage is provided through your own health insurance provider.
Military Dependents & Civilians sponsored
- Public Service Employment – DND Civilians and their dependents: Canada Life thru MSH International (separate contract than the Military personnel and dependents)
- CFMWS employees and their dependents: Sutton
- Children Education Management teachers, support staff and their dependents: Gallaway
For military dependants only, the Public Service Health Care Plan (PSHCP) under Comprehensive Coverage, which is specifically designed for members and their eligible dependents living outside of Canada who are not covered by a provincial or territorial health insurance plan. These benefits are administered by MSH International.
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Your Coverage
As civilians, you are entitled to the medical services offered by the CF H Svcs C (O) Det GK Niederheid.
Working in a remote location? No problem! We offer most of our services virtually, including clinician or pharmacist consultations, mental health services and much more.
Your coverage outside of the CF H Svc C (O) Det GK Medical Clinic depends on your private health care insurance. For military dependents, click here (PSHCP) to learn more about your public health care plan administered by Canada Life through MSH International.
Please visit the CF H Svc C (O) Det GK Medical Clinic to learn more about all the services offered by the clinic.
Only for military dependents
Primary Coverage: PSHCP Comprehensive Level 3 Hospital Provision- Administered by MSH International (PSHCP)
- Covers medical and hospital care
- Includes Vision/ optometry services
- No direct billing available - pay upfront and claim
- Approximately 30-day reimbursement timeline
- Register at: https://pshcp-msh.ca/a/register
- Ensure your personal information is correct and that dependants are listed on your profile
Your change from Supplemental to Comprehensive coverage will be actioned by your Gaining Unit, CFSU(E). DO NOT initiate this while still in Canada.
- What to do before you leave Canada to ensure your PSHCP coverage: https://msh-assets.s3.ca-central-1.amazonaws.com/mshtravel/docs/Travel/MapleLeaf/Leaving_Canada_what_you_need_to_know_about_the_PSHCP.pdf
- What to do return to Canada to ensure your PSHCP coverage: https://www.welcome.canadalife.com/content/dam/rfp/welcome-sites/pshcp/pshcp-returning-to-canada.pdf
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Your Dental Coverage
Only for military dependents
- Provider Choice: Families typically select a civilian clinic that meets their needs regarding location and language. CAF clinics maintain a list of civilian providers previously used by CAF families to assist your search.
- Insurance (PSDCP): Dental coverage is provided through the Public Service Dental Care Plan (PSDCP) administered by Canada Life.
- Pre-determination of Benefits: For high-cost treatments, it is strongly recommended to obtain a quote and submit a "Pre-determination of Benefits" to Canada Life before starting treatment to confirm coverage levels.
- Financial Assistance: Civilians may seek reimbursement for higher-than-normal healthcare costs via FSD 39 or request an advance for dental expenses via FSD 42.
Learn more about the PSDCP Dental Benefits (Canada Life):- Standard PSDCP dental coverage - Same as federal employees in Canada
- Administered by: Canada Life
- Coverage: Routine cleanings, basic procedures, major restorative work
- Annual maximums: As per PSHCP dental schedule
- Payment method: Pay upfront and claim reimbursement
- Positive Enrollment Required
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Payment, Claims & Medical Advances
Payment & Claims Process - for military dependents only
- Pay upfront - Bring credit card or cash for all services
- Request detailed receipts - Must include provider information, services rendered, and diagnostic codes
- Submit claims online - Use MSH International portal within 12 months
- Include all documentation - Receipts, medical reports, prescription information
- Track reimbursement - Typically 30 days for processing
- Completed MSH reimbursements with R70 codes - Contact MFSI – CFSU(E) to initiate additional reimbursement process
- Completed MHS reimbursements including childhood vaccines - Contact GK Community Health Nurse to initiate additional reimbursement process.
Medical Advances for Major Procedures
For procedures over 200.00 euros- Get cost estimates from providers first
- Submit an advance request with supporting documentation
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Emergency Care
No pre-approval required
When to go- Life, limb, eyesight
- Required antibiotics
- Mental health crises
- Immediate: Proceed to local emergency care or dial 112.
- Financial support: Advances are available for up-front emergency costs exceeding 200 €
- Mandatory follow-up: You must contact CF H Svcs C Det GK as soon as possible after the emergency is stabilized.
