This section is a broad overview of health plan options available to postdoctoral scholars during their fellowship. Postdocs are encouraged to consider all options available to them in order to determine which plan is best suited to their current and future needs.
The Ontario government sponsors basic health care under the Ontario Health Insurance Plan (OHIP), paid through income taxes. Information on OHIP can be found here.
Generally, there is a three-month waiting period for Ontario Health Insurance Plan (OHIP) coverage. It applies to most new residents and former residents returning to Ontario. This waiting period applies under three circumstances:
The waiting period begins on the date you establish or re-establish residence in Ontario. If you are an eligible temporary resident, such as a foreign worker who meets the citizenship and residence requirements described in Ontario's Health Insurance Act, the waiting period begins on the date you establish residence in Ontario. Your coverage begins when the waiting period ends - after three calendar months.
If you move to Ontario directly from another province and apply for coverage, your OHIP coverage will begin on the first day of the third month after establishing residence in Ontario, provided you were insured in your previous province or territory. Your valid health card from your former province will continue to provide you with health insurance coverage in accordance with that province/territory's plan during the waiting period.
NOTE: You have the option of purchasing health insurance for you and your family through the University Health Insurance Plan (UHIP) until the end of your three-month OHIP waiting period. For more information on UHIP, please visit International & Exchange Student Centre - UHIP or University Health Insurance Plan (UHIP).
If you are an uninsured person moving to Ontario from another Canadian province or territory and are eligible for OHIP, you will be subject to a waiting period lasting three full months. Your Ontario health insurance coverage would become effective three full months after establishing permanent residence in Ontario.
Postdocs may opt into the Society of Graduate Students (SOGS) Health Plan. Incoming postdoctoral scholars have 30 days from the start date on their contracts to opt-in to the health plan. They must submit an opt-in form that is signed by their supervisor and present the relevant position of their contract. The plan is then valid until August 31 of the year. A continuing Postdoctoral Scholars must apply to opt-in by the last business day of September.
Postdoctoral scholars are eligible to apply for health and dental coverage through Alumni Western in affiliation with Manulife Financial. Please note that postdocs who did not attend Western prior to their fellowship are eligible for these plans.
There exist several types of coverage to choose from, all of which are listed in full detail at Manulife Financial - Your Health and Dental Plan Comparison.