University Health Insurance Program
The University Health Insurance Plan (UHIP) is a mandatory health insurance plan for all international and exchange students enrolled in an Ontario university. UHIP helps to cover the cost of hospital and medical services you may need to maintain your health while in Canada.
Everything you need to know about UHIP is available online at www.uhip.ca. Here we provide additional information specifically for international students at the University of Toronto.
If you are a degree-earning international student, then you will be automatically enrolled in UHIP for the twelve-month period running from September 1 to August 31 of the current academic year.
If you are an exchange student or a visiting international student you will be automatically enrolled in UHIP for the duration of the period for which you are attending the University.
NOTE that our UHIP office does not provide or administer coverage for post-doctoral fellows or visiting scholars.
Summary of UHIP coverage
UHIP will pay up to $1,000,000 a year to each plan member (you and your registered dependents) for the cost of eligible medically necessary health services and medical treatments. This may include:
- hospital and physician services
- surgery including anesthetics
- diagnostic laboratory and X-ray services
- counselling and psychological services
- gynecological exams
- pregnancy related health care (prenatal and postnatal), even if pregnancy began before arrival in Ontario
Visit the UHIP website for details and a complete list of services and treatments covered.
Some health care providers may charge the Ontario Medical Association (OMA) rate—a significantly higher rate than UHIP or OHIP. You will be reimbursed the UHIP rate only. It is important to speak with the health care provider beforehand about medical rates.
Services not covered by UHIP
The following medical services are not covered by UHIP:
- prescription drugs*
- routine eye exams for persons between the ages of 20-65*
- dental care services*
- eyeglasses, frames and contact lenses
- chiropractic services
- medical examinations and tests required for immigration purposes or third party cosmetic surgery
- preparation of records, reports, certificates and communications
- services not covered under OHIP at the time that the services are rendered
*Most students, but not including international exchange students, are automatically enrolled in a supplementary health plan which may cover several of the items mentioned above.
Visit the UHIP website for additional information on services and treatments that are not covered.
Supplementary health insurance plans provide you with additional coverage for services that are not covered under UHIP (or OHIP). There is no overlap of coverage between UHIP and supplementary health insurance.
Supplementary insurance plans are separate from UHIP
Whether you are an undergraduate or graduate student, domestic or international, you will most likely be enrolled in a supplementary health plan.
Premiums for the plans will be charged automatically to your student account on ACORN.
You are automatically enrolled in UHIP, and the coverage charge will be listed on ACORN, your student account.
You need to show your UHIP card and carry a UHIP Claim Form every time you use health care services, so print yours today. Register online, print your card and carry it with you: see Service Booking & Documentation below.
If you are visiting a preferred health services provider (i.e. a provider that accepts UHIP), they will record your information and bill Sun Life, the insurance provider, directly towards medical consultation fees.
Returning Canadians and the OHIP waiting period
If you are a new permanent resident or a returning Canadian citizen, you can purchase UHIP for the three-month waiting period before your Ontario Health Insurance Program (OHIP) coverage becomes effective.
The steps to do this are:
- Apply for OHIP at any Service Ontario Centre. You will need to have a number of documents with you to prove your eligibility for OHIP. Please refer to the Service Ontario website for a list of required documents and the OHIP application form.
- Bring the “Transaction Record” from OHIP to the UHIP office at your U of T campus.
The UHIP charge will appear on your ACORN account in 2–3 weeks.
Booking & Documentation
Get your UHIP card online
- Visit mysunlife.ca and click register.
- Enter your date of birth as day/month/year.
- Select Canada as your country of residence and enter your postal code.
- Click on health/dental benefits.
Enter your details:
- Your contract/policy number is 050150.
- Your member ID is U+ your student number (example: U1000123321).
- Click next.
Get your registration code:
- Click on “need a registration code”. If your email address is on file, a code will be emailed to you.
- Open the email from Sun Life containing your registration code.
Print your UHIP card:
- Return to mysunlife.ca.
- Enter your registration code and click next.
- Create a password and select a security question. Click next.
- Print your UHIP card.
If your account is locked or suspended, contact Sun Life Insurance at 1-866-500-8447. Visit Student Health Network to locate a clinic or health care provider near you.
If you need assistance contact the UHIP Office at 416-978-0290 or book an appointment on CLNx (log in first).
Privacy & Policies
Notice of disclosure
In order to facilitate UHIP coverage, the University has provided Sun Life Assurance Company of Canada, the insurance provider, with your name, student number, mailing address, email address and date of birth. This is a mandatory procedure required for admittance to the University. If you have any questions regarding the security of these records or other concerns pertaining to your personal data, please contact the UHIP office. Additional information may be found on the Sun Life website.
Considerations & Exceptions
UHIP exemption and refunds
UHIP is mandatory for all international students. You are required to be enrolled in UHIP unless you are provided an exemption.
Pre-approved health care plans
You are eligible for an exemption if you receive coverage from one of the following pre-approved health care plans:
- Canadian International Development Agency Health Care Plan
- Canadian Bureau for International Education Health Care Plan
- Canadian Commonwealth Scholarship and Fellowship Plan
- International Council for Canadian Studies Plan
- National Insurance Office for Social Insurance Abroad (Norway)
- World University Service of Canada Plan
- Embassy of Kuwait
- Interim Federal Health Care Plan
- Health Economic Administration, HELFO Abroad
- Saudi Arabian Cultural Bureau – GWL
- Libyan Plan
- Schlumberger Plan
- Fletcher Allen
To receive an exemption, you must visit the UHIP office with the Pre-approved Health Care Plan Form (PDF) or Pre-approved Health Care Plan Form (OHIP) (PDF) and proof of your health coverage. The refund for your UHIP premium will be adjusted on your ROSI account. All pre-approved exemption requests must be initiated as soon as possible. Applications will not be accepted after the refund deadline.
Non pre-approved plans
If you receive coverage from a health plan that is not listed above, you may apply for an exemption directly to Sun Life. However, please be aware that it is extremely difficult to obtain an exemption from UHIP. All non-pre-approved exemption requests must be initiated no more than 30 days after you are enrolled in UHIP.
To apply for exemption, you will need to submit a UHIP Exemption Form. This form, along with all required documents, must be sent directly to Sun Life:
Sun Life Assurance Company of Canada
PO Box 4097, Station A
Toronto, Ontario M5W 2Z5
Telephone: 1-877-250-UHIP (8447)
Please see the UHIP website for more information on exemptions.
Eligibility for a partial UHIP refund
You may be eligible for a partial refund of your UHIP premium if you meet the following conditions:
- you become eligible for OHIP* or
- you receive a UHIP exemption or
- you withdraw from your undergraduate/graduate program or
- you complete your academic program or
- you have dependents who have left Canada.
If you are eligible for a refund, you must apply for it as early as possible. Timing is very important and will affect the amount of refund you receive (see UHIP Refund Deadline below).
*Note: If you obtain OHIP coverage after the refund application deadline, you may still apply for a partial UHIP refund. Note that your refund amount will be pro-rated to the date that your refund application is submitted to the UHIP office.
UHIP refund deadline
Refund applications will be accepted on an ongoing basis until February 28. Refund applications will not be accepted from March 1 to August 31.
If you are eligible for a refund, you must apply for it as early as possible. You are financially responsible for every month in which you have active UHIP coverage. Refunds will not be made retroactively.
- If you submit your refund application in October, you will be charged $114.00 for two months of UHIP coverage.
- If you submit your refund application in February, you will be charged $342.00 for six months of UHIP coverage.
If you apply on the 1st of the month, you will still be charged the full monthly premium.
To apply for a refund, you must visit the UHIP office with your relevant documentation. Your application for a refund must be made by the deadline in order to be considered for any refund of your UHIP premium.
International students who have recently changed their legal status in Canada from “international student” to “permanent resident” must ensure that their legal status is updated with the University of Toronto. If your international student status is not updated, a UHIP coverage charge will be added to your account each academic year.
For more information, visit the UHIP website.