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Skip Navigation Links UHIP - University Health Insurance Plan
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Authorization Document
A study or work permit, or other documentation providing temporary permission to live, work or study in Ontario. Document must be issued by Citizenship and Immigration Canada.

The natural or legally adopted children, or stepchildren, or children for whom the UHIP member has been appointed legal guardian, whose primary residence is with the UHIP member, are unmarried,  and dependent on the UHIP member for support. The child/children must be:

  • under age 22 
  • under age 25, if studying full-time at an accredited educational institution (annual proof of attendance may be required by Sun Life) 
  • any age, if mentally or physically disabled and not capable of self-sustaining employment, provided that the disability began: 
    • while the child was covered under the plan, or 
    • before the member applied for UHIP coverage, only if the child was disabled before age 22 or 25 if a full-time student (proof of disability and its continuation may be required by Sun Life) (See the sample below for the Eligibility of Disabled Child/Children)
Child, age 28, full-time student and disabled before age 25, before member applies Eligible for UHIP coverage
Child, age 28, disabled after age 25, before member applies Not eligible for UHIP coverage
Child, age 18, covered by UHIP, becomes disabled Eligible for continued UHIP coverage
Child, age 20, covered by UHIP, not a full-time student, turns 21, and becomes disabled at age 22 Not eligible for UHIP coverage

A dependant is the spouse and/or child(ren) of the member.

The intentional deception or misrepresentation that an individual knows to be false or does not believe to be true and makes, knowing that the deception could result in some unauthorized benefit to himself/herself or some other person.

Full Time Student
A full-time regular and term student who: 

  • holds a valid study permit issued by Citizenship and Immigration Canada,
  • is registered in any given semester in an approved degree program, as defined by the Ministry of Training, Colleges, and Universities, 
  • is a temporary resident who has been approved by an immigration officer to study in Canada, as defined by Citizenship and Immigration Canada,
  • has paid a required tuition fee for the program,
  • is in regular attendance, as defined by regulations of the participating university, and 
  • is actively pursuing an undergraduate, graduate, or post-graduate degree.

International Health Care Network 
International Health Care NetworkA search tool provided by Sun life that allows a quick location of a preferred provider.

Any undergraduate, graduate, or post graduate student (full time or part time), a short-term visitor associated with a participating university, or an employee of a participating university.

A person who does not normally live in Ontario. 

OHIP (Ontario Health Insurance Plan)
The provincial health care plan provided to Ontario residents by the Ontario Ministry of Health and Long-Term Care. 

Out of Country
Outside of the 10 provinces and 3 territories of Canada.

Out-of-Pocket Expense
The portion or entirety of an expense for services that is not eligible for reimbursement and that is the financial responsibility of the member. An out of pocket expense may result from a fee for service that exceeds the maximum eligible reimbursement amount or for a service that is not covered under UHIP.

Participating University or Affiliated College
Ontario universities and affiliated colleges whose non-resident students and employees must enroll in UHIP:

Algoma University  Saint Paul University
Brock University Trent University
Carleton University University of Guelph
Lakehead University University of Ontario Institute of Technology
Laurentian University University of Ottawa
McMaster University University of Toronto
Nipissing University University of Waterloo
Ontario College of Art and Design University of Western Ontario
Queen's University Wilfrid Laurier University
Royal Military College of Canada York University
Ryerson University  


Part-Time Student
A student who was previously enrolled as a full-time student and who: 

  • has been approved by a participating university to continue studies on a part-time basis,
  • holds a valid study permit issued by Citizenship and Immigration Canada, 
  • is registered in an approved degree program, as defined by the Ministry of Training, Colleges and Universities, 
  • is registered in an English as a Second language program and/or non-degree program at a participating university,
  • has paid the required tuition fee for the program, 
  • is in attendance as defined by regulations of the participating university for a part-time student,
  • is actively pursuing an undergraduate, graduate, or post-graduate degree that the student will be able complete within the generally established timeframe for the program, as established by the participating university, and
  • is enrolled as a part time student for a maximum of 6 semesters.


Pre-Approved Plans 
Plans that have been pre-approved by Sun Life as offering coverage equal to UHIP. Members of a pre-approved plan are eligible for UHIP exemption

Preferred Provider Network
A network of hospitals and clinics established by the insurer to assist members by limiting out-of-pocket exposure and providing health care providers with direct insurer billing.

The amount paid or to be paid by the member for coverage under UHIP.

Proof-of-Coverage Card
Wallet-size card issued by Sun Life and used by UHIP members when visiting a health care provider to prove coverage under UHIP. 

Terminal Illness:
If a UHIP member or a member of his/her family is diagnosed as terminally ill (with 12 months or less to live) and the medical condition is stable, either Sun Life or the member may request repatriation to the person’s home country.

When Sun Life and the member mutually agree to repatriation, Sun Life will pay up to $20,000 or the actual cost, whichever is less, for returning the member by the most direct route to the air terminal nearest the member’s residence in his home country.

If Sun Life or the member refuses the request for repatriation, UHIP coverage will continue for as long as the member meets the eligibility requirements of UHIP. Until a terminally ill member has been repatriated, Sun Life, in consultation with the attending physician, reserves the right to determine the level of care required in the circumstances, including the right to transfer the member to another hospital or medical facility. In addition, Sun Life may consider alternative procedures, services and personnel, and to provide benefits on the least costly basis that will result in adequate care, consistent with accepted standards of medical practice. 

If a member requests repatriation, and Sun Life does not agree that the member meets the criteria for repatriation, an independent medical opinion will be obtained.

If a member dies, Sun Life will pay up to $20,000, or the actual cost, whichever is less, of returning the member’s remains by the most direct route to the air terminal nearest the member’s residence in the home country. Eligible expenses within the $20,000 limit will include the reasonable and customary costs for preparation of the body, transportation of the remains, documentation, and shipment container(s); limited to those required by provincial, federal, international or transportation legislation.

Sun Life must be notified as soon as is reasonably possible regarding any request for repatriation.

Short-Term University Visitors
Individuals who are at a participating university for a brief, defined period of time, not necessarily related to an academic term, including: 

  • visiting scholars  
  • international researchers 
  • conference participants
  • other 

Spouse or Common-Law Partner 
Your spouse by marriage or under any other formal union recognized by law, or your partner of the opposite sex or of the same sex who has been publicly represented as your spouse for at least the last 12 months, is an eligible dependent. You can only cover one spouse at a time.

Sun Life
Sun Life Assurance Company of Canada (Sun Life) is the UHIP insurer. Sun Life insures all eligible expenses under Group Policy 50150. Inquiries should be directed to Sun Life at:

  • Phone: 1-877-250-UHIP (8447)
  • E-mail: 

Members and health service providers can contact the insurer at:

  • Phone: 1-866-500-UHIP (8447)

Supplementary Health Insurance
Insurance that provides additional coverage for services that are not covered under UHIP (e.g. prescription drugs, dental care). These plans are separate from your UHIP coverage.

Treatment Consent Form
When you visit a health care provider in Ontario, he/she may ask you to sign a consent form, agreeing that the laws of Ontario will govern the relationship between you and your health care provider in any dispute that may arise between you and him/her. What this means is that, if you get into legal proceedings against the physician, these proceedings will be heard in Ontario courts, not the courts in your home country. Health care providers outside Ontario may also ask you to sign a similar form. 
UHIP cannot advise you to sign or not to sign the consent form, nor is it responsible for any liability/costs associated with this form or with any dispute between you and your health care provider. The decision to sign the form is yours. 

UHIP Plan Administrator 
The person or persons designated by each university to enrol eligible participants in the plan and perform related administrative duties.

Who is not eligible for UHIP

The following people may not join UHIP:

  • individuals other than short-term university visitors and members' families who are in Canada with temporary resident status recognized by Citizenship and Immigration Canada
  • family members of UHIP members who have been refused OHIP coverage or whose status is that of visitor under a Minister’s permit, or medical Minister’s permit correspondence students 
  • those individuals who were not eligible for OHIP coverage before July 1, 1994, or who would not have been eligible had the government not changed eligibility rules 
  • children who become disabled after they are no longer eligible for coverage or who were over age 22 (or age 25 if a full-time student) when the member applied for coverage 
  • students and employees registered at an Ontario university not participating in UHIP.  
  • Dependants of non-resident internationals who never had UHIP coverage
  • International dependents of Canadian permanent residents 


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UHIP - University Health Insurance Plan

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.

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