Premium for regular students

General provisions

Preamble

The policies listed below are similar to those found on the University Health Insurance Plan (UHIP). Some of the policies differ in order to meet the requirements of the University of Ottawa’s new student information system, uoCampus. In the event of a discrepancy between information related to registration in UHIP and premiums found on the UHIP site and in the policies below, the policies below will take precedence. These policies are effective September 1, 2016.


University Health Insurance Plan

The University Health Insurance Plan (UHIP) is mandatory for all eligible international students and eligible non-resident students. Coverage typically runs from September 1 to August 31, inclusive, and covers the fall term (September 1 to December 31), the winter term (January 1 to April 30) and the summer term (May 1 to August 31).


Exemptions

Only the University of Ottawa’s carrier, Sun Life Financial, can approve replacement coverage that does not appear on the list of pre-approved plans. If you wish to be exempted from UHIP or be reimbursed for UHIP premiums, you must first submit a completed certification for UHIP exemption form (fillable PDF) to Sun Life. Once you receive approval, you can then ask the International Office to refund any premiums you may have paid. Before completing the Sun Life form, be sure to consult the exemption section of the UHIP site and the document on how to complete the exemption form at http://uhip.ca/all-about-uhip.aspx.

Please note that students or members of the diplomatic corps must make all requests for exemptions to Sun Life. Only Sun Life can authorize an exemption, even if the University administrator or his or her delegate issues a contrary opinion.


Request for refund

  • You are responsible for submitting a request for a refund of premiums if you leave the University of Ottawa or are otherwise no longer eligible for UHIP. Be sure to submit your request as soon as possible because fees billed for previous terms will not be refunded.
  • Premiums for previous terms are not reimbursed.
  • Note that a refund WILL NOT be given if any healthcare claims were submitted for the term in question.
  • If you are eligible to receive a refund, only Sun Life can determine the premiums to be reimbursed (i.e., full or partial premiums).
  • The insurer can refuse to reimburse medical expenses if UHIP coverage regulations are not followed, even if the University administrator or his or her delegate issues a contrary opinion.  Failure to comply with the regulations may lead to medical expenses not being reimbursed, even if premiums are paid.

Registering in UHIP

  • International students are automatically covered by UHIP through uoCampus once they have been assigned international student status AND have registered for a course. If you are an international student but do not meet these two criteria, please come to the International Office to register in UHIP in person.
  • If you are an international graduate student and are not registered in a course or will not be awarded your degree by the beginning of the coming term, you must come to the International Office to register in UHIP in person.

If you are an international student who has applied for (but not received) permanent resident status or a non-resident Canadian student and are not covered under a provincial health insurance plan elsewhere in Canada, you must come to the International Office to register in UHIP in person. If you register in UHIP after the effective date of coverage for the plan, you are liable for premiums retroactively to the first day of the month in which your study period began.

Important
InformationSome ineligible special students may see the insurance premiums appear on their statement in error. If this happens to you, please come to the International Office before you pay your fees to have the charges reversed. Remember that you will be required to purchase alternate private health insurance coverage.
N.B. This health insurance plan does not cover dental care or prescription
InformationPlease note that medication insurance and dental insurance are provided for undergraduate students through the Student Federation of the University of Ottawa (SFUO), or, for graduate students through the Graduate Students' Association (GSAED)

UHIP Coverage

Effective date of coverage

Coverage begins on the 10th day of the month preceding the month your academic term or activities begin. If you arrive in Canada prior to the 10th day of the month preceding the month your academic term or activities begin, you will need to purchase private medical insurance to cover you until your UHIP coverage takes effect.

End date of coverage

Your UHIP coverage will end on the earliest of the following dates:

  • the last day of the month in which you have paid for UHIP;
  • the date you  are no longer eligible for UHIP;
  • the date that your authorization documentation (i.e. student visa, work permit, or temporary resident permit) expires or is no longer good, and you have not been given an extension of coverage (see How do I extend coverage);
  • the date it is determined that your proof-of-coverage card has been used fraudulently;
  • the date you begin a leave of absence not approved for UHIP coverage (see Approved Leave of Absence);
  • the date Sun Life obtains reasonable evidence that medical clearance was fraudulently obtained from Citizenship and Immigration Canada as a result of either non-disclosure or submission of false medical test results;
  • the date a student enrolled in a non-accredited program at a university that offers UHIP coverage transfers to a university that does not offer UHIP coverage;
  • the first of the month that coincides with or immediately follows the normal retirement date defined by the participating university, if you are an employee; or
  • for short-term university visitors, no later than the end of the month when your educational or staffing function ends.

Your dependant’s UHIP coverage will end on the earliest of the following dates: 

  • the last day of the month in which UHIP has been paid for your dependant(s);
  • the termination date of your dependant’s coverage;
  • the last day of the month in which your dependent is no longer considered an eligible dependant;
  • the date that Sun Life obtains reasonable evidence that medical clearance was fraudulently obtained from Citizenship and Immigration Canada as a result of either non-disclosure or submission of false medical test results

Premiums

Premiums are calculated based on when you begin your program:

  • Start fall 2017 term: $612; coverage ends August 31, 2018
  • Start winter 2018 term: $408; coverage ends August 31, 2018
  • Start summer 2018 term: $204; coverage ends August 31, 2018

In subsequent years, UHIP premiums will be billed on an annual basis and are calculated up to and including August 31 of the following year.

Because premiums are billed annually, it is not possible to remove coverage for any term or partial term. The University remits the premiums to the insurance carrier, which does not provide any refunds after March 1 of the current academic year (e.g., for the 2017-2018 academic year, no refunds will be given after March 1, 2018).

For more information

For more information about UHIP and your coverage, please consult the "All about UHIP" section on UHIP official website. 

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