Main section below.

Skip Navigation Links All About UHIP
Skip Navigation Links Your current site location All about UHIP

What is UHIP?

When you come to study or work at an Ontario university, you must have insurance to pay the cost of health care services and medical treatments. The University Health Insurance Plan (UHIP) is a mandatory health plan for all international non-residents studying or working at a participating university or affiliated college in Ontario. 

UHIP applies to:

  • international students studying in Ontario,
  • international employees working in Ontario who cannot get OHIP,
  • family members of international students and employees who are not eligible for OHIP, 
  • Canadian employees or other individuals who are satisfying the OHIP waiting period, and
  • short-term visitors associated with a participating university.

UHIP provides coverage for basic medical services and treatments you and your eligible dependants might need to maintain your health while living in Canada.

Further details regarding UHIP can be found in the UHIP booklet.

Why do you need UHIP?

The cost of medical services and treatments can be very expensive in Ontario. For example, a visit to the doctor or clinic could cost over $100. A trip to the hospital emergency room could cost over $1,000. 

Without proper insurance coverage, you are responsible to pay out-of-pocket for your medical fees. UHIP provides affordable insurance to help cover the cost of basic health services and medical treatments.

What is the difference between UHIP and Ontario Health Insurance Plan (OHIP)?

OHIP provides basic medical health insurance for permanent residents of Ontario and is funded by provincial taxes, whereas UHIP provides similar coverage for international non-residents studying or working at an Ontario university. UHIP is similar, though not equivalent, to OHIP.

To learn more about OHIP and the provincial health care system, visit the Ministry of Health and Long Term Care website: http://www.health.gov.on.ca/en/ministry/hc_system/default.aspx

What does Sun Life do?

Sun Life Financial is the UHIP insurer and manages many important UHIP operations and procedures, including: 

  • issuing your personalized proof of coverage card (UHIP card),
  • processing claims and payments,
  • assessing premium refunds, exemptions and claim appeals, 
  • managing the Preferred Provider Network (PPN).

To learn more about Sun Life, visit www.sunlife.ca 

Who is eligible for UHIP?

You are eligible for UHIP if you are:

a) A student:

  • a full-time student with a valid study permit or temporary resident visa issued by Citizenship and Immigration Canada, registered in a degree program at an accredited and participating Ontario university or affiliated college and pursuing an undergraduate, graduate or post graduate degree; 
  • a part-time student who was previously enrolled as a full-time student and who has a valid study permit or temporary resident visa issued by Citizenship and Immigration Canada. The part-time student must be registered in a degree program at an accredited and participating Ontario university or affiliated college and pursuing an undergraduate, graduate or post graduate degree.  The student may be enrolled as part-time student for a maximum of six semesters. 
  • A non-resident who is not entitled to OHIP coverage and who is a full-time student at a participating Ontario university and who may participate in a study-abroad or co-op work exchange program or receive a Letter of Permission to attend an overseas university for credit;
  • A non-resident student, who has not been classified under any other class above, who is not entitled to OHIP coverage and who is registered in an English as a Second Language and/or non-degree program at a participating university. On an annual basis, participating universities make a decision regarding UHIP coverage for English as a Second Language and/or non-degree programs. Coverage under UHIP is mandatory for all non-resident students registered in an English as a Second Language and/or Non-Degree program if the participating university elected to extend coverage under UHIP to the program in which they are registered. This coverage is limited to a maximum period of 2 years.

b) An employee:

  • an employee with a valid work permit issued by Citizenship and Immigration Canada, working in a participating Ontario university or affiliated college; 
  • a Canadian employee of a participating Ontario university or affiliated college, who has exhausted his/her lifetime extension of OHIP coverage and who is absent from Canada on approved university business (such as a sabbatical, special work term, or secondment);
  • a Canadian employee or other individual who is officially associated with a participating university, and who will be eligible and has applied for OHIP coverage during the 3 month waiting period for OHIP coverage. 

c) A dependant:

  • the legal, common-law or same-sex spouse who is living with the eligible student or employee, where the conjugal relationship has existed for at least 12 months;
  • the natural or legally-adopted child, stepchild, or child for whom the eligible student or employee has been appointed legal guardian, whose primary residence is with the student or employee, is unmarried, dependent on the student or employee for support, and under age 22 (under age 25 if studying full-time at an accredited educational institution, or any age if mentally or physically disabled, as defined by UHIP).

d) A short-term visitor:

  • a short-term visitor who is officially associated with a participating university in a designated educational or staffing function, or as an invitee attending a seminar and eligible dependants traveling with the short-term visitor. On an annual basis, participating universities make a decision regarding UHIP coverage for short-term visitors. Coverage under UHIP is mandatory for all short-term visitors and their eligible dependents if the participating university with which they are associated elected to extend coverage under UHIP to short-term visitors. Each participating university may define the term short-term for their organization. Coverage is effective from the date of arrival in Canada, subject to this policy's provisions, and for a period no less than two weeks and no more than three months. Coverage is mandatory for all longer term (more than three months) for all participating universities. 

To learn who is not eligible for UHIP, please refer to the Glossary of Terms.

How much does UHIP cost?

The cost of UHIP coverage (premium) depends on the number of dependants you are enrolling and the duration of coverage you will need. If you are an international student enrolled in a credit-degree program, you are required to pay the full annual premium (12 months of coverage). The annual coverage period runs from September 1st to August 31st of each academic year.

Carefully review the UHIP premium table to determine the cost of your coverage. If you have any questions, contact the UHIP Plan Administrator at your university. 

UHIP Premium Table:

Effective September 1st, 2016 to August 31st, 2017

Number of months of coverage

One UHIP member

One dependant

One UHIP member  + One dependant

Two or more dependants

One UHIP member  + Two or more dependants

1

$51.00

$51.00

$102.00

$102.00

$153.00

2

$102.00

$102.00

$204.00

$204.00

$306.00

3

$153.00

$153.00

$306.00

$306.00

$459.00

4

$204.00

$204.00

$408.00

$408.00

$612.00

5

$255.00

$255.00

$510.00

$510.00

$765.00

6

$306.00

$306.00

$612.00

$612.00

$918.00

7

$357.00

$357.00

$714.00

$714.00

$1,071.00

8

$408.00

$408.00

$816.00

$816.00

$1,224.00

9

$459.00

$459.00

$918.00

$918.00

$1,377.00

10

$510.00

$510.00

$1,020.00

$1,020.00

$1,530.00

11

$561.00

$561.00

$1,122.00

$1,122.00

$1,683.00

12

$612.00

$612.00

$1,224.00

$1,224.00

$1,836.00

Note: Prices shown in Canadian dollars. Tax included.

Rate Changes

The cost of UHIP premiums are subject to change year-to-year.  
Annual premium depends on: 

  • the cost of claims UHIP pays each year,
  • changes in the cost of health services and medical treatments, and 
  • the effect of inflation. 

New rates are posted on the website by May 1st each year.

Late Enrollment

If you are a student and enrol late, you must pay premium retroactive to the first day of the month in which your university term began. If you are an employee and enrol late, you must pay premium retroactive to your employment start date. 

If you enroll your dependants more than 30 days after they become eligible for UHIP, you will be required to pay a late application fee of $500. In addition, premium for your dependant(s) will be owed retroactive to one of the following: 

  • First day of the month in which your term begins at the University;
  • Your employment start date at the University;
  • Date you and your dependant(s) arrived to Canada and become eligible for UHIP

Can I be exempted from UHIP?

You must have health insurance while studying or working at an Ontario university. For this reason, UHIP is mandatory unless you are provided with an exemption. Exemptions are given only when you have alternative health insurance that offers coverage at least equal to UHIP.

It is important to note that you will be enrolled in UHIP and will remain covered under the plan until your exemption request has been approved. 

Pre-Approved Plans

If you are currently covered under one of the pre-approved plans listed below, please provide valid proof of this coverage to the UHIP Office at your University. 

  • Canadian International Development Agency Health Care Plan 
  • International Council for Canadian Studies Plan (under review)
  • National Insurance Office for Social Insurance Abroad (Norway) (under review)
  • World University Service of Canada Plan 
  • Embassy of the State of Kuwait GHIP Replacement 
  • Interim Federal Health Care Plan 
  • Health Economic Administration, HELFO Abroad 
  • Guard.Me Canada CSF Plan 
  • Saudi Arabian Cultural Bureau (SACB-HDP) Policy #06614A 
  • Libyan Embassy and Scholarship Program – Canada Policy #G0068002 (effective May 1, 2016)

Please be advised that you are responsible to provide any additional info that may be requested in order to complete an exemption request.

Other Plans

If your insurance plan is not listed under the pre-approved plans, you may apply for an exemption directly to Sun Life. Sun Life will review your plan against the following criteria:

Exemption Checklist

Yes/No

Is my plan maximum under $1M Canadian dollars?

 

Are there any coverage limitations on my plan?

 

Are there any exclusions on my plan?

 

Does my plan require me to visit specific providers on their network?

 

Are there any deductibles or other out-of-pocket expenses on my plan?

 

Do I have dependents who accompany me while I am studying and who are not covered under my plan?

 

 

If you answered "Yes" to any of the above questions, your plan will likely not be considered an exempt plan. If you decide to submit the exemption request, you must do so no more than 45 days after you join UHIP. Applications received after 45 days will be automatically declined. To apply for an exemption, you must complete a Certification of UHIP Exemption Form.

To learn more about how to complete an Exemption form, please click here.

Your submitted application does not guarantee an exemption from UHIP. While waiting for Sun Life’s decision, you must remain enrolled in UHIP and pay the required premium. All exemption decisions are valid only for that academic year. 

If you are provided an exemption from Sun Life, you may be eligible for a refund of the UHIP premium. 

Please contact the UHIP Plan Administrator at your University for more details. 

How do I apply for UHIP?

All international non-residents studying at a participating university or affiliated college in Ontario will be enrolled automatically by their University.

If you are an international employee, a short-term visitor or a dependant, you won’t be enrolled automatically. For more information about your enrollment as an employee or as a dependant, please contact your UHIP Plan Administrator  at your university. 

If you need any additional information, please contact your UHIP Plan Administrator  at your university.

To download an enrollment form, please click here.

Which universities participate in UHIP?

All universities in Ontario (with the exception of the University of Windsor) and colleges affiliated with those universities are participants of UHIP.

Skip Navigation Links
All About UHIP

The information presented on this website summarizes the main aspects of UHIP. Your actual benefits from UHIP will be determined according to the terms and conditions of the insurance contract with the UHIP insurer. No typographical or mechanical error made by a university or any of the parties to the UHIP insurance contract will invalidate insurance otherwise in force, or continue insurance otherwise terminated under the insurance policy's terms and conditions.

Footer section below.