Health Benefits for Foreign Nationals

An overview of OHIP and UHIP

Employees must be registered in either the provincial Ontario Health Insurance Plan (OHIP) or, if ineligible for OHIP, for the University Health Insurance Plan (UHIP). These plans provide coverage for some basic health services within the province.

Employees with either OHIP or UHIP coverage may be eligible to participate in the University’s benefits plans, which provides coverage for items not covered under OHIP or UHIP.

For pay and benefits information for a specific employee group, please refer to the Benefits section of this site.

Ontario Health Insurance Plan (OHIP)

OHIP provides for treatment and care in Ontario hospitals, standard ward accommodation, and doctor visits. An Ontario health premium cost is part of the calculation of your income tax withheld in each monthly pay.

On your arrival from another country or province, you must immediately apply for coverage at the nearest OHIP office. There will be a three (3) month waiting period from the date of your (non-resident) work permit. If you are a Canadian citizen, the waiting period starts from the date you applied.

University Health Insurance Plan (UHIP)

UHIP provides basic health insurance to pay hospital and medical services that non-resident employees and their dependents may require while in Canada. While not identical, UHIP is comparable to the medical coverage provided by the OHIP and is available to eligible employees at participating Ontario universities.

Who can enrol?

  • Non-resident U of T employees
  • Their family members, who are not eligible for OHIP coverage

Non-resident U of T employees, who have a waiting period before becoming eligible for OHIP, are required to enrol in UHIP for themselves and their eligible family members. Coverage can begin as early as the 10th of the month, prior to the start date of your employment.

How to register:

Employees should make an appointment with their HR Divisional Office and complete the application form on the UHIP site.

The completed application form, along with a certified cheque or money order for the cost of premiums, is required to complete UHIP enrolment. Once enrolled, employees can print off their own coverage card.

Please be prepared to provide the following documents and payment for all members that are enrolling in UHIP:

  • Your passport, indicating date of arrival in Canada
  • Your letter of offer
  • A certified cheque or money order, in Canadian funds, made payable to the University of Toronto
  • The passports of your spouse, partner and / or children, if accompanying you to Canada

What does UHIP cost?

Costs can be found on the UHIP website.

  • Fees are payable to the University of Toronto by a money order or certified cheque
  • Postdoctoral fellows requiring additional coverage for their spouse, partner, and / or children must enrol them within 30 days and pay additional premiums
  • Late enrolment of an eligible spouse and / or children will result in a $500 late application fee, plus the retroactive premiums to the start date of their coverage

What UHIP covers:

  • Doctors and specialists services at home, in a hospital or institution, or in the doctor’s office
  • One annual health exam
  • Diagnosis and treatment of illness and injury, including fractures and dislocations
  • Surgery, including the administration of anaesthetics
  • Care related to pregnancy, even if pregnancy began before arrival in Ontario

What UHIP does not cover:

  • Prescription drugs
  • Eyeglasses, frames, or contact lenses
  • Dental care services
  • Medical examinations and required tests

Please visit the UHIP website for full details.