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University Health Insurance Plan (UHIP)

It is mandatory for everyone studying or working at Ontario Tech University to have health insurance coverage. Permanent residents and Canadian citizens are typically eligible for provincial health care plans. If you are not eligible for a provincial health care plan, it is mandatory for you to have the University Health Insurance Plan (UHIP). 

UHIP coverage is compulsory for:

  • All international students
  • All international visiting scholars and researchers
  • All incoming exchange students
  • Recent permanent residents
  • Permanent residents and returning Canadian citizens in their three-month Ontario Health Insurance Plan (OHIP) wait period
  • Eligible dependent family members of any of the persons above

To learn more about UHIP, visit uhip.ca or contact uhip@uoit.ca.

General information

  • How much does UHIP cost?

    A UHIP premium is automatically added to the account of full-time international students registered in classes at Ontario Tech and paying international student tuition fees. The current premium can be found on the Ancillary Fees page under International Health Insurance.

    If you require UHIP, but are not paying full-time international student tuition fees, please email uhip@uoit.ca to determine your eligibility and ensure you are charged fees appropriately.

  • When does my UHIP coverage begin?

    Your UHIP coverage begins on the day you arrive in Canada, but not before the tenth of the month before you start your studies/work at Ontario Tech. Students must be registered for classes to be enrolled in UHIP.

    Start Term Earliest UHIP Availability
    Fall August 10
    Winter December 10
    Spring/Summer April 10

    If you will arrive in Canada before your UHIP coverage can start, you are responsible for purchasing adequate private health insurance until you are eligible for UHIP.

  • When does my UHIP coverage end?

    You must be studying/working at Ontario Tech to have UHIP. If you withdraw from classes, your UHIP is terminated.

    The UHIP period is the same as the academic year. Everyone's UHIP expires on August 31 every year. If you are returning to full-time studies and paying international student fees, you will be automatically re-enrolled and charged UHIP fees at the rates determined for the next academic year.

    You must print a new UHIP coverage card every September that you are returning to Ontario Tech.

  • How do I get my UHIP coverage card?

    You can print your own coverage card! There are tutorial videos on uhip.ca to help guide you through the process of registering for mysunlife.ca and printing your coverage card. You will need the following information when registering:

    • Policy/contract number: 050150
    • Member ID: IT (+ student number)

    Carry your coverage card with you at all times in case of an emergency! Be prepared to present your UHIP coverage card every time you visit a doctor, clinic or hospital.

    If you have difficulty registering, contact Sun Life Financial at 1.866.500.8447 Monday to Friday from 8 a.m. to 8 p.m. Eastern Time.

    You need to print a new coverage card every September that you are returning to Ontario Tech.

  • Where can I use my UHIP?

    Visit uhip.ca to find a doctor, hospital or clinic on their Preferred Provider Network. These health care providers have agreed to accept UHIP coverage cards and direct bill to Sun Life. You are recommended to use the Preferred Provider Network whenever possible. The Campus Health Centre is a Preferred Provider.

    If you must go to a doctor, hospital or clinic that is not a Preferred Provider, you may be required to pay upfront and then submit a claim to be reimbursed. You should bring a claim form with you (available on uhip.ca).

  • What is and isn't covered by UHIP?

    UHIP is a basic emergency health insurance plan similar to OHIP. If something is not covered by UHIP (like prescription medicine), it may be covered by the Student Union's dental and health benefits plan.

    For general information on your UHIP coverage, visit uhip.ca. For specific inquiries, call Sun Life at 866.500.8447.

  • Why do I have two health insurance plans?
    UHIP covers costs like hospital visits and doctor services. The Student Union's health and dental benefits plan covers costs like prescriptions, dentist visits and travel. The two plans work together to give you comprehensive coverage. Become familiar with what is covered under both of your plans and make sure you carry your two coverage cards with you.
  • How do I make a claim?

    If you paid upfront or were billed for services covered by UHIP, you will need to make a claim to UHIP. Information on how to make a claim, what is covered under UHIP and how to set up direct deposit can be found at uhip.ca. Check the website's Help centre for guides or call Sun Life Financial at 866.500.8447 for help.

    Make sure you keep copies of your claim form and all receipts for your own records before you mail anything to Sun Life.

  • How do I add a dependent such as my spouse or children?

    If your spouse and/or children are accompanying you while you study/work at Ontario Tech, they must have health insurance just like you. To add your dependent (spouse or children) to your UHIP, email uhip@uoit.ca. You must include your full name and your student number in your email.

    You will have to pay a $500 late fee if you do not enroll them within 30 days of their eligibility. There is no discount for the time they had no coverage if you enroll them late.

  • Can I opt out of UHIP?

    No. There are a limited number of exemptions from UHIP, but there is no opt out. If you are a government sponsored student, a WUSC student or a MITACs student, you may be eligible for an exemption. See uhip.ca for information on exemptions. 

    If you are exempt from UHIP, it is very important that you use your alternative health insurance plan and not UHIP. If you use UHIP, you will be responsible for UHIP premiums.


Special cases

  • I am not eligible for UHIP. What are my other options?

    If you are not eligible for UHIP and do not have provincial health insurance, it is your responsibility to research your options and buy a health insurance policy that meets your needs. The following list is meant only as a reference tool to help you start your search. It is not an endorsement by Ontario Tech.

  • I am a part-time student. Can I get UHIP?
    Part-time students are eligible for UHIP if they were full-time in the past for a maximum of six terms of part-time studies. If you are a part-time student, you will not be automatically enrolled or charged UHIP fees. You must contact uhip@uoit.ca to be enrolled and charged appropriate fees. Be sure to include your full name and student number in your email.
  • I am going on a co-op/internship. Can I still have UHIP?
    Like part-time students, students on a co-op or internship may be eligible for UHIP if they were full-time in the past. However, you will not be automatically enrolled or charged UHIP fees. Please email uhip@uoit.ca at least one month before you start your co-op or internship to ensure you are enrolled and charged appropriate fees. Be sure to include your full name and student number in your email.
  • I am an exchange student. Is UHIP the same for me?

    Yes, but you will be enrolled only for your exchange term. For example, if you are staying only for Fall term, you will be enrolled in UHIP only until December. You can pay your UHIP fees upon arrival. Popular payment options for exchange students are by money order at the Registrar's Office, through Flywire or through PayMyTuition.

    You may want to purchase additional health insurance to supplement UHIP since you are not eligible for the Student Union's health and dental benefits plan.

     

  • I'm paying domestic tuition fees, but need UHIP. How can I get UHIP?
    If you are paying domestic tuition fees, you will not be automatically enrolled or charged UHIP fees. To be enrolled and charged appropriate fees, contact uhip@uoit.ca. Please include your full name and student number in your email. if you are applying for UHIP during the OHIP wait period, please include this information in your email.
  • I am graduating. What do I need to do?

    UHIP is terminated when your last term ends unless you request a one-time extension by the deadline.

    Graduation month Extension request deadline
    August June 15
    December October 15
    April February 15

    To request an extension on your coverage, email uhip@uoit.ca with your full name, student number and the reason you are requesting an extension.

    After your UHIP coverage has terminated, you are responsible for purchasing health insurance that meets your needs.