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Drug insurance in Quebec | Pooling terms and conditions for 2026

Group Insurance December 11, 2025
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The Canadian Drug Insurance Pooling Corporation (CDIPC) and the Quebec Drug Insurance Pooling CorporationTM (QDIPC) coordinate the pooling process among various life and health insurance companies. The primary objective of pooling is to protect group insurance plan sponsors against the financial impact of significant drug claim costs.

 

Features applicable to Quebec groups

  • Pooling applies to all drugs covered by private plans for all eligible groups, regardless of their size.
  • Groups with less 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.

 

Pooling parameters for 2026

We 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 CDIPC.

 

Group size (number of certificates)

Threshold per QDIPC certificate

Threshold per certificate at

iA Financial Group

Net annual cost per individual certificate

Net annual cost per family certificate

Less than 25

$10,000

$10,000*

$286

$857

25 to 49

$18,000

$18,0001

$202

$604

50 to 124

$32,500

$32,5001

$112

$404

125 to 249

$60,000

$32,5001

$78

$278

250 to 499

$90,000

$32,5001

$62

$223

500 to 999

$115,000

$32,5001

$48

$199

1,000 to 3,999

$150,000

$32,5001

$39

$164

4,000 to 5,999

$300,000

$32,5001

$15

$61

1May vary depending on the threshold established by the CDIPC.

 

These new parameters will be used for 2026 renewals.

We also offer several pooling parameters for groups that are funded on a retention or ASO basis.

Read the communiqué that we will send to group insurance plan administrators on December 15.

Read the French version.

 

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