Insurance for medical students

ADIUM Insurance Services Inc.

Kelly Guest, Insurance Advisor, ADIUM Insurance Services

Protect the future you’re working so hard to build

Medical school is a significant but worthwhile investment. AMA’s ADIUM Insurance Student Starter Program helps you protect that investment at a rate you can’t afford to miss.

What is the Student Starter Program?

The Student Starter Program offers you Disability and Term Life Insurance coverage – no medical exams required. Get both at no cost to you during your first two years of medical school, and at a significant discount after that.

Disability Insurance

Term Life Insurance


What it is: A monthly income that can help you cover living expenses, student loans, and more if you’re unable to study or work due to illness or injury.

How much coverage?

  • First/second year $1,500/month
  • Third year $2,500/month
  • Final year $4,000/month

Up to the maximum monthly benefit of $25,000 with medical evidence of insurability.

What it is: A lump-sum payment to your loved ones could avoid leaving them with debt if you are no loger there.

How much coverage?

  • $100,000 of coverage without proof of good health.

Up to $5 million in coverage with medical evidence of insurability.


Extra features

  • Includes the Survivor Benefit and the Cost of Living Adjustment rider.
  • Automatic riders issued on January 1 following completion of medical school
    • Guaranteed Insurability Benefit rider
    • Cost of Living Adjustment rider
  • Optional riders available on January 1 following completion of medical school
    • Own Occupation rider
    • Retirement Protection rider

Extra features

  • 2 optional riders available:
    • Future Insurance Option
    • Waiver of Premium riders

How much does it cost?

As an AMA member and a medical student, you can take advantage of significant discounts.

  • First and second year: 100% AMA Premium Credit – that’s coverage at no cost to you.
  • Third and fourth year: 80% AMA Premium Credit – premiums as low as $8/month for both plans

For more details, including the rate charts, see the Student Starter Program brochure.

Who is it for?

You’re eligible to apply for the Student Starter Program if you are:

  • a full-time undergraduate student in a school of medicine or faculty of medicine in Alberta,
  • a member of the AMA, and
  • under the age of 65.

Ready to get started?


What happens to your Life and Disability Insurance when you start your residency program?

Your protection follows you into residency – and so do the savings. As a resident physician, you’ll qualify for the 50% AMA Premium Credit.

Doing your residency training in Alberta?

You may continue your AMA Disability Insurance coverage which will be paid in addition to your PARA Disability Insurance coverage. Information on the PARA insurance plans will be distributed at the resident orientations in June and can also be accessed online. View PARA insurance plans

Doing your residency training outside of Alberta?

Generally speaking, your AMA Disability Insurance coverage will be first payor and any staff group disability coverage will supplement it to certain limits. There are no conflicts with Life Insurance; all coverage amounts are paid. We encourage you to contact the provincial medical association of your new province to learn more about the coverage offered in that province. Please see the provincial medical association contact sheet.

Join other AMA plans

As a medical student, you can also apply for:

Contact us

Questions? Get in touch with us! View contact information for all insurance programs.

The AMA advances patient-centered, quality care by advocating for and supporting physician leadership and wellness.