Everything about Ontario Health Insurance Plan


health insurance

Although Canada is renowned for its free Healthcare in Canada, most of these services are only available to Canadian citizens and permanent residents. For this reason, all international students attending Canadian schools are required to have health insurance during their studies.

Canada’s health care system varies from state to state. Foreigners planning to study abroad in the country must be familiar with the Canadian medical care provided by the state in which they study. In some states, state health insurance plans cover international students, but most require students to enrol in a private health insurance plan.

In many states where international students need private health insurance, the institution offers health insurance packages to international students. In some cases, schools require students to enrol in a health insurance package, but in other schools, students are students if they can show that they have private health insurance from another source. You can opt-out of your health insurance package. Regardless of the situation, all institutions are familiar with the health insurance requirements of international students.


Canada’s province of Ontario shares borders with Manitoba to the west, Hudson Bay and James Bay to the north, Quebec to the east and northeast, and the United States states of Minnesota, Michigan, Ohio, Pennsylvania, and New York (west to east). Almost all of Ontario’s 1,700 miles border with the United States follow inland waterways. From the west of Lake of the Woods, head east along the major rivers and lakes of the Great Lakes / St. Lawrence River drainage system. The actual land boundary of the portage, including the Height of the Land Portage on the Minnesota border, is only about 1 km.

Ontario is one of Canada’s 13 states and territories. Located in central Canada, which accounts for 38.3% of the population, it is Canada’s most populous state and the second largest in total area (after Québec). Ontario is Canada’s fourth largest jurisdiction in terms of total area, including the Northwest Territories and Nunavut Territories. It is the most populous city in Toronto, the capital of Ottawa and Ontario.

Health Insurance Plan in Canada

All Canadian citizens and permanent residents have free and reasonable access to hospital services that are necessary for their health. Universal insurance is mandatory at the federal level, but the exact details of coverage vary from place to place as individual states and territories run medical programs. Universal Canada Health Insurance for all Canadians covers only medically required services that are considered basic medical care.

Unless they have private health insurance, people who are not Canadian residents or citizens should expect to pay out-of-pocket for medical care. Several immigration programmes mandate that visitors to Canada on a temporary basis maintain private health insurance. There are several options available to temporary residents:

  1. You can get health insurance from your employer if you work in Canada.
  2. When studying in Canada, they can apply for insurance through the school.
  3. You can take out private insurance at an insurance company.

International Health Insurance for Residents of Canada

Canada is renowned for having a top-notch National Health Insurance policy and for making access to healthcare relatively simple. Access to a single, universal health insurance system is available to Canadian citizens and immigrants who meet the requirements to become permanent residents. In Canada, this insurance programme is frequently referred to as Medicare.

The federal government sets guidelines and standards for Canada’s health insurance system. The main goal of this program is to ensure the same level of accessibility nationwide for both domestic and non-citizens. However, the actual management of a national insurance program is the responsibility of each state and territory.

Are you confused about Canadian health insurance for foreigners, immigrants and non-residents? This is a comprehensive guide on what Canadian foreigners, immigrants and foreigners need to know about how national and international insurance plans and private health insurance work in Canada.

Advantages of Global Health Insurance in Canada

Aliens and non-residents living in Canada have special needs. Expecting higher levels of Service in the country and improved access to quality healthcare providers is nothing new. If you need care outside Canada, you need a worldwide insurance plan. We recommend a global medical plan for this, especially for expatriates and foreigners residing in the country. This type of plan provides access to a variety of private and public hospitals, has low waiting times and covers all countries, including your home country.

Health Insurance Plan in Ontario

The Ontario Health Insurance Plan is unavailable to international students in Ontario (OHIP).  For this reason, all Ontario higher education institutions provide international students with health insurance policies. Public universities typically offer health insurance through the University Health Insurance Plan (UHIP), but universities and other private universities may offer options from other providers. Health insurance plans offered by educational institutions to international students are not free. Costs are usually added to the tuition fee.

Canadian Health Insurance for Non-Residents and Expatriates

As a Canadian expatriate, you have several options for receiving treatment and insurance coverage from a Canadian private insurance company. For non-residents, especially Canadian healthcare, that may not be covered by regional planning, we recommend the following providers: For example, the GeoBlue Xplorer plan is a great option for US citizens living in Canada. We offer up to 9 months of coverage in the US and other countries. On the other hand, Aetna International offers comprehensive insurance at affordable prices to international citizens worldwide. Cigna Global is another great option that can cover various medical conditions. It also features a modular plan design that allows you to customize the level of coverage required for your particular situation.

Medical Insurance for International Employees

For foreign firms with workers in Canada, offering top-notch benefits packages, including insurance, is essential for their employees’ mental and physical health. Group health insurance for Canadian employees must be a top priority. Canadian employees have access to local health insurance plans in their state of residence. An international health insurance plan that covers every country, including citizenship countries, may be required or desired by foreign workers in Canada. If you have more than one international employee living in Canada, an international group health insurance plan is suitable. You have the ability to design a plan that fits your needs and budget. Helps a team of licensed personnel determine the coverage and benefits needed to protect their most valuable asset, their employees, while away from their home country.

Pros and Cons of Local Health Insurance in Canada

Medicare, a Canadian health insurance program, is a very popular topic among Canadians. It is an important national institution that Canadians are very proud of. At the same time, it’s also what they like to complain about. It is not unusual for Canadians to raise concerns about the health care system of other countries. But in the next breath, they don’t hesitate to complain about waiting times at the local clinic. However, many of these complaints are valid, as are growing concerns about long wait times.

As a foreigner who is content with the choice of where to settle, you need to be aware that the style and level of local health care have their strengths and weaknesses. Doctors may be restricted in these locations. The silver lining of the shortage of doctors is that you will get to know your medical team more personally. It’s cold, impersonal, and doesn’t leave you to the big hospital system. On the other hand, regular examinations may require you to visit a local hospital. Meet an expert alone can be a three-hour-long drive.

Private vs Public Insurance in Canada

As mentioned earlier, Canadian health insurance plans are publicly and privately funded. Canadians can choose their preferred primary caregiver because the visit is billed directly to the government. The primary caregiver arranges expert visits. They are done not only in private offices but also in public institutions such as hospitals and clinics. Hospitals are almost always non-profit. However, non-essential services such as cosmetic surgery are provided at private commercial centres. Health programs vary widely from city to city. They reflect local concerns, city government spending priorities, and demographic changes.

Local public health programs are generally not considered when Canadians discuss their health care system. Though considered community service, it still contributes to Canadians’ health and quality of life. Canadian private health insurance plans are usually commercial programs managed by private companies. The fees for these plans are at your own expense and can be quite high.

One of the advantages of Canadian personal insurance is improved access to diverse Canadian hospitals and doctors. Wait times are often shorter, especially for mild illnesses and interventions. Canada’s Private Health Insurance also allows you to get treatment in another country with a professional better suited to your care. They can also go home for medical care and are still qualified for the program.


Are Open Work Permit Holders and/or Participants of the Canadian Citizenship and Immigration Department’s Graduate Work Permit Program Affected by the Change in Regulations?

Open work permit holders (including CIC graduate work permit program holders) are employed full-time by their employer in Ontario for at least six months and hold a valid work permit during that period. If so, you are eligible for health insurance in Ontario. And they are:
i. maintain their primary place of residence in Ontario, and are
ii. physically present in Ontario for at least 153 days in any 12 months, and are
iii. physically present in Ontario for 153 of the first 183 days immediately after establishing residency in the province.

Can an American Get Health Insurance in Canada?

The GeoBlue Xplorer package can be purchased by US citizens who reside in Canada. This programme provides thorough coverage of the entire world. Additionally, it gives access to the nationwide Blue Cross and Blue Shield network of medical professionals and facilities. We are able to handle complaints and give first-rate customer care thanks to the GeoBlue Xplorer package.

If I temporarily leave Ontario, am I still qualified for OHIP?

As long as you stay in Ontario as your primary place of residence, you can stay out of state for up to 212 days in 12 months and maintain your health insurance in Ontario. To remain eligible for OHIP insurance, you must be a qualified resident of Ontario. This means that you need to do the following:

      1. Be physically present in Ontario for 153 days in any 12 months; and
      2. make your primary place of residence in Ontario.
      3. Have an OHIP-eligible citizenship/immigration status;

How can I obtain a health card for Ontario?

You must apply for OHIP in order to obtain a health card if you have never held an Ontario health card. To utilize:
Visit the nearby Service Ontario location in person.
Complete the Ontario Health Coverage Registration form (form 0265-82)
Please submit the required original documentation.

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