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.
There is a mandatory three-month "waiting period" after you have registered for OHIP before this coverage begins (with the exception of babies born in Canada and living in Ontario); however, you can apply immediately upon entering Canada. For individuals who are not covered by OHIP, coverage will be provided to you and your family through University Health Insurance Plan (UHIP) until the end of your three-month waiting period. For more information on UHIP, please visit International & Exchange Student Centre - UHIP or University Health Insurance Plan (UHIP).
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.