UHIP Summary of Coverage
UHIP will pay up to $1 000 000 a year to each plan member for the cost of eligible medically necessary health services and medical treatments, including:
- Hospital and physician services
- Surgery - including the administration of anesthetics
- Diagnostic laboratory and X-ray services
- Gynecological exams
- Care related to pregnancy (prenatal and postnatal), even if pregnancy began before arrival in Ontario (please refer to the Specific Health Care Services section below for details).
- Prescription drugs *
- Routine eye exams for persons between the ages of 20-65 *
- Eyeglasses, frames and contact lenses
- Dental care services *
- 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 are automatically enrolled in a “Supplementary Health Plan” which may cover several of the items mentioned above (refer to the Supplementary Health Plans section).
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 ROSI.
Further information regarding supplementary health plans may be found by visiting the following sites:
Full-Time Undergraduate Students (St. George and UTM)
U of T Students’ Union (UTSU)
12 Hart House Circle
(416) 978-4911 — ext. 227
Full-Time Undergraduate Students (UTSC)
Scarborough Campus Students' Union (SCSU)
1265 Military Trail, Room SL-108
Part-Time Undergraduate Students (St. George, UTM and UTSC)
Association of Part-Time Undergraduate Students (APUS)
100 St. George Street
Sidney Smith Hall, Room 1089
All University of Toronto Graduate Students
Graduate Students' Union (GSU)
16 Bancroft Street
TEACHING ASSISTANTS (TAs):
Teaching Assistants have additional coverage through CUPE 3902. For more information, please contact the union directly:
180 Bloor St West, Suite 803
Room 2111, South Building
Room 335, Bladen Building
GRADUATE ASSISTANTS (GAs) at OISE:
Graduate Assistants at OISE have additional coverage through CUPE 3907. For more information, please contact the union directly:
252 Bloor Street West, Room 8-104
Please note that fees for these benefits are automatically deducted from your employment income.
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PREGNANCY RELATED HEALTH CARE
UHIP provides coverage for care related to pregnancy (prenatal and postnatal), even if the pregnancy began before arrival in Canada. It is very important to arrange for delivery at a hospital which is part of the Preferred Hospitals Network (i.e. a hospital that accepts UHIP) in order to guarantee coverage. Please refer to the UHIP website for more information about coverage and where medical care is provided.
Abortions performed in Ontario are safe, legal and covered by both OHIP and UHIP. The Hassle Free Clinic provides information about abortions, how to find a clinic or hospital that performs abortions and care after your abortion.
COUNSELLING AND PSYCHOLOGICAL SERVICES
UHIP provides coverage for psychiatric care and you can access such services at the University of Toronto. All three campuses offer assessment and treatment for students with emotional and/ or psychological concerns. These services are provided by clinicians who offer confidential therapy for individuals, couples and groups.
Please contact the appropriate office directly, to book an appointment:
ADDITIONAL SPECIALISTS COVERED BY UHIP
UHIP will provide coverage for treatment by an osteopath or podiatrist, to the same levels and under the same conditions as OHIP coverage. Please note that physiotherapist and chiropractor services are not covered by UHIP. Students might have additional coverage for some specialists through one of the Supplementary Plans.
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UHIP will only provide coverage for emergency services in another province up to the same level of coverage as provided in Ontario. Travel insurance is required to maintain coverage while you are travelling outside of Canada. UHIP provides minimal out of country coverage, which is not sufficient to cover medical expenses when travelling outside of Canada. You are encouraged to seek private travel insurance if you plan to travel outside of Canada.
Travel Insurance Options:
Please note that while the Centre for International Experience and the University of Toronto encourages you to get additional coverage when travelling outside of Canada, we leave it solely up to you to decide what is sufficient coverage.
Listed below are a few companies that are popular with students. This list is given for your convenience and should not be construed as a recommendation of any company or service. Please review policies carefully.
- Travel Guard
- Ingle International Travel Insurance
- Travel Cuts — 187 College St. location, (416) 979-2406
- American Express — 100 Front St. West #133, (416) 363-3883
The above travel insurance plans can be purchased when you have UHIP coverage
Full-time graduate students: All full-time graduate students enrolled in their GSU student supplementary plan have 60 days of travel insurance with the option to purchase more coverage. For more information on these benefits please refer to the section on supplementary plans.
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