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.
Dual citizens, returning Canadians, permanent residents of Canada and out of province Canadians: If you are a new or returning student and have recently travelled to or are planning to travel to Ontario, please scroll down to Service Delivery and see “Domestic students” for more information on how to apply for health insurance in Ontario.
Information about enrolling dependents in UHIP can also be found under Service Delivery.
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.
If you graduated in June 2021 you can extend UHIP coverage to October 31, 2021. There will be no UHIP extensions beyond this date for June 2021 graduates. If you are remaining in Canada after October 31, 2021 and are not yet eligible for the Ontario Health Insurance Plan (OHIP), we recommend that you acquire basic health insurance from a private plan or emergency medical coverage from your home country.
NOTE that our UHIP office does not provide or administer coverage for post-doctoral fellows or visiting scholars.
UHIP coverage may also be extended to eligible dependent family member(s). A spouse or common-law partner (including same-sex spouse or common-law partner) and children are considered eligible dependents. Other family members (including siblings or parents) are not eligible for UHIP coverage.
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.
Rates for dependents
2021-2022 premium rates for 12 months of coverage
- Student: $756
- One dependent: $756
- Family (two or more dependents): $1512
International students new to U of T in 2021-2022
New incoming international students who arrive before September 1, 2021 are eligible for free UHIP coverage starting August 10, 2021. Students are required to register with the U of T Quarantine Program and will be enrolled in UHIP automatically. If for exceptional circumstances, you are not registered with the U of T Quarantine Program, you must send an email to email@example.com to enrol.
Fees for coverage during the regular academic year 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.
Current international students
UHIP coverage for current international students runs until August 31, 2021 and is automatically renewed for September 1, 2021 to August 31, 2022.
Current students who dis-enrolled from UHIP for the winter and summer 2021 semesters will automatically be enrolled for UHIP for the 2021-2022 academic year, starting September 1, 2021. If students arrive before September 1, they must email a request to firstname.lastname@example.org to have UHIP reactivated and will need to pay the fee for the month of August.
Domestic students (dual citizens, returning Canadians, permanent residents of Canada and out of province Canadians) are not automatically enrolled in UHIP. UHIP is intended to provide primary medical coverage for international students who are ineligible for Ontario Health Insurance Plan (OHIP).
Domestic students are required to apply for OHIP upon arriving in Ontario. OHIP is Ontario’s provincial healthcare plan and covers the costs of medical services and emergencies in Ontario. You must apply in person at a specialized Service Ontario Centre that offers a full-suite of health card services. You will need to complete the OHIP registration form and provide three original documents:
- OHIP Registration Form
- Proof of Canadian citizenship or permanent residency (e.g. Canadian birth certificate, permanent resident card)
- Proof of residency in Ontario (e.g. lease, proof of residency letter from campus residence team)
- Proof of identity (e.g. credit card, passport)
There is no longer a waiting period for OHIP coverage. If you are eligible, you will have immediate health insurance. If you are self-isolating and cannot go to Service Ontario to apply for OHIP or if you need to seek medical treatment, please contact Service Ontario at 1-866-532-3161.
Dependents are not automatically enrolled in UHIP. You are required to enrol your dependent family member(s) within 30 days of their date of eligibility. You must be enrolled in UHIP in order to enrol your eligible dependents. See rates for dependents under Service Fees.
To enrol your eligible dependent(s), you must add an Online Dependent Application with the UHIP office. Please follow the instructions to add your dependent application and book an appointment:
- Log in to UHIP portal using your UTORid and password.
- Go to “Your Dependents” and click “Add a New Dependent”. You must input and save your dependent’s information before creating an application.
- Go to “Your UHIP Applications”.
- To create a new application, click the “New UHIP Application” button.
- Select the name(s) of the dependent(s) you would like to enrol during your appointment.
- Click “Submit”.
An application confirmation email will be sent to you automatically. UHIP office will process your application and UHIP online payment link will be sent to within 48 hours.
Extending UHIP for dependents
UHIP coverage for dependents must be renewed within 30 days of expiry. New UHIP coverage will be applicable until August 31. UHIP coverage must be continuous (provided that dependents remain in Canada). If current UHIP coverage has expired, please add a new online application with the UHIP office.
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:
Watch this video to learn how to 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 416-946-5037 or book an appointment on CLNx (log in first).
New international students at University of Toronto Mississauga (UTM)
Newly admitted international students at UTM will have their UHIP cards emailed to them by the International Education Centre. Please contact email@example.com if you have any questions.
New international students at University of Toronto Scarborough (UTSC)
Newly admitted international students at UTSC will have their UHIP cards emailed to them by the International Student Centre. Please contact firstname.lastname@example.org if you have any questions.
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 UHIP Waiver for Pre-Approved Health Care Plans (PDF) or the UHIP Waiver for OHIP Coverage (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.