Find a clinic or a doctor


In a medical emergency, call 9-1-1 or go to the nearest hospital emergency room (ER) for immediate medical attention.

Not sure if it’s an emergency?

A medical emergency is an acute injury or illness that poses an immediate risk to a person's life or long-term health. Some examples of these illnesses or injuries include: heart attack/stroke, severe head injury, severe difficulty breathing, severe bleeding, any time a person is unconscious.
Don’t go to hospital for health issues that can be addressed at a clinic by a nurse or doctor, or even taken care of at home.
Visting a hospital for non-emergencies will not result in faster treatment and you will likely have a long wait before getting treatment.

TIP! You can call Telehealth for free nursing advice at this toll-free phone number: 1-866-797-0000.

Important reminder: Always bring a paper copy of your UHIP coverage card to a health provider. Most providers will want to take a photocopy of your coverage card for their records.

Find a health care provider close to you that accepts UHIP

Knowing which health care providers accept UHIP is important and can save you money!
By accessing the Sun Life Preferred Provider Network , you’ll find a health care provider close to you that recognizes the UHIP plan as valid health insurance coverage.
These physicians, clinics and other health care providers will:

  • charge Sun Life directly for your medical services/treatments at UHIP rates.
  • ask you to fill out an authorization form at your first visit. This lets them bill Sun Life directly, instead of charging you.
Can’t find a preferred provider that’s open? If it’s not an emergency, consider waiting until the next business day to go in.

Hospital stays for you or a family member

For expected hospital stays over 72 hours, please contact Sun Life as soon as possible. You can email or call toll free: 1-866-500-8447. Sun Life will contact the hospital to ask them to bill Sun Life directly at UHIP rates.
If the hospital isn’t a Preferred Provider Network member, Sun Life may move you to another hospital that is. You will only move if your attending physician approves.

CAUTION! Some health care providers in Ontario don’t accept UHIP.

  • If you go to a clinic or hospital that isn’t part of the Preferred Provider Network, you may:
    1. Have expenses over what UHIP reimburses.
    2. Be asked to pay for services. You’ll need to submit a claim to request money back from Sun Life.

  • Hospitals and physicians bill separately. While there are hospitals in the Preferred Provider Network, physicians at the hospital may not bill at UHIP rates. Tell the hospital physician that you have UHIP insurance and show your coverage card.

  • We recommend that you take a UHIP Claim form for the health care provider to complete. The UHIP Claim form includes important information that we’ll need to pay your claim.

Making sure Sun Life can pay for your hospital services

  1. If you’re unsure of fees and will be having a treatment such as surgery or cancer treatment, it is very important to ask Sun Life for a preauthorization.

  2. The hospital will ask you to sign a form when you are receiving any hospital services. It confirms your financial responsibility and allows them to release your medical information to Sun Life.

    If you don’t sign this form:
    • The hospital will not give any medical information to Sun Life. If Sun Life cannot get the information, we can’t process your claim. This means you have to pay the hospital .

    • You may have to pay to get your medical records/information from the hospital to send to Sun Life. UHIP will not reimburse this cost.

    Please visit the hospital billing office prior to leaving the hospital. Make sure they have your UHIP coverage card information and your signed consent form.

Treatment Consent Form

When visiting a health care provider in Ontario, you may be asked 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 the provider.

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.

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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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Sun Life Assurance Company of Canada is the insurer and a member of the Sun Life Financial group of companies