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Chinese Student Health Insurance in Ontario

Ontario offers its citizens and permanent resident’s health care under the Ontario Health Insurance Plan (OHIP). If you will be a full-time student in Ontario you are ineligible for this plan unless you are independently employed. If you cannot enroll in the Ontario Health Insurance Plan, you may be required to enroll in the University Health Insurance Plan (UHIP) instead.

Eligibility for the UHIP is determined based on whether you are a full time student with a valid study permit or temporary resident visa issued by Citizenship and Immigration Canada. As a foreign student, you must also be registered in a degree program at an accredited and participating Ontario university or affiliated college and pursuing an undergraduate, graduate or post graduate degree. The UHIP begins when you first arrive in Ontario and covers hospital and medical services of non-resident students at Ontario Universities and affiliated colleges and their families.

If you are a Chinese student studying in Ontario, however, you will need to be familiar with what is and what is not covered under the UHIP plan. Benefits like vision, dental, prescription medication are specifically excluded from the plan so if you’d like additional coverage you would need to purchase a private student health insurance plan to cover additional services. The UHIP plan will cover you in other provinces, but will only cover medically necessary emergency services if you travel to another country. If that is the case you may want to consider purchasing a student travel insurance plan for any out-of-country traveling you intend to do.

Posted by Jennifer Frankel

Jennifer is the International Director at International Student Insurance. Jennifer is a graduate of the University of Florida where she holds a Masters in International Business and a Bachelors of Science in Business Administration. She has lived and worked abroad in Mexico, Chile, Costa Rica and England, and traveled extensively in South America, Europe and Asia.

3 thoughts on “Chinese Student Health Insurance in Ontario”

What offers more coverage? broad or comprehensive insurance?

blindblom says:

Thanks for your questions. When comparing broad and comprehensive coverage plans, you’ll want to look at the plan benefits and exclusions. While these descriptions may define the type of coverage you receive, it is important to look at the plan details to be familiar with what is and isn’t covered.

When looking at the differences between a broker and an agent, a broker is a licensed insurance representative, however they are not associated with one agency, and they could possibly represent many businesses. An agent on the other hand is not a duly licensed broker yet performs tasks such as soliciting insurance on behalf of an insurance company.

Whats the difference between an insurance broker and an insurance agent?

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