Provincial Health Insurance Plans
Students who are permanent residents of Ontario will have provincial health insurance coverage called Ontario Health Insurance Plan (OHIP)
Students from other provinces are usually covered under their own provincial plans, but be aware that regulations vary from province to province.
If you are an out-of-province student, be sure you are aware of the coverage you will have while in Ontario.
Some provinces require students attending out of province universities to submit a letter of acceptance to the university, as well as proof of registration for the current year, in order to received continued health insurance coverage. There may also be a difference in terms of the services covered by the various provincial health insurance plans.
- British Columbia Health Insurance
- Alberta Health Insurance
- Saskatchewan Health Insurance
- Manitoba Health Insurance
- Quebec Health Insurance
**Students from Quebec are covered by their provincial health insurance plan but are required to fill out TWO Out of Province Claim (PDF, 459KB) forms for each visit. To save time at registration, these forms can be completed and signed beforehand and handed in at the time of the appointment
- Nova Scotia Health Insurance
- New Brunswick Health Insurance
- Newfoundland and Labrador Health Insurance
- PEI Health Insurance
- Yukon Health Insurance
- NWT Health Insurance
Students who are not covered under provincial health insurance plans, including international students, exchange students, and returning Canadians in their three-month waiting period for OHIP, are required to have UHIP (University Health Insurance Plan) coverage.
Health Insurance - International Students
The University Health Insurance Plan (UHIP) stands for, a mandatory health plan that provides basic medical coverage for most doctor and hospital services in Ontario.
Upon arrival/return to campus, all international students must visit the Queen’s University International Centre (QUIC) in Room 117 of the John Deutsch University Centre (JDUC) for proof of UHIP coverage, which is a requirement for all doctor and hospital visits.
The QUIC office can also provide guidance, information and resources to address student health concerns.
All international students registered at Queen’s University will be automatically enrolled in single person UHIP. Any adjustments must be made within 45 days of the start of the program or term.
The fee and duration of UHIP coverage required is determined based on the student’s registration status at the university. The UHIP fee will be applied directly to the student’s SOLUS account as “International Health Care”. The payment can be managed in the same method as are all other payments to the university.
Services Not Covered by OHIP or UHIP
If you need documents for the following, these services are considered a "third-party request" and are not covered by OHIP or UHIP:
- government legislation
- health club, association or camp
- university admission
See Price List for Uninsured Services for associated costs
Supplementary Health Insurance
In addition to provincial health insurance plans and UHIP, Queen`s students also have a supplementary health insurance plan that provides at least partial coverage for services such as vision care, dental care and prescription medications that are not covered by OHIP or UHIP. The supplementary health insurance plans are administered by your student associations.
To learn more about your supplementary health coverage please contact:
- If you are an undergraduate student The Alma Mater Society (A.M.S) or
- If you are a graduate student The Society of Graduate and Professional Students (S.G.P.S.)
Opting Out of the AMS Health & Dental Plan
If you have proof of coverage under another plan (not including basic provincial health care or UHIP), you can opt-out of the AMS Health & Dental Plan and have the fee removed from your fee assessment. You can only opt out during the Change-of-Coverage Period in September. Please refer directly to the AMS website for all details.
Acceptable proof of coverage must consist of either:
- A copy of a certificate or card clearly indicating your coverage for extended health and/or dental care, the insurance company name and the policy number, OR
- An image of a summary of benefits from an insurance company's website detailing your coverage for extended health and/or dental care, OR
- A letter from the plan sponsor (usually the employer) or the insurance company attesting that you have coverage for supplemental health and/or dental care.
Aboriginal students who receive health and/or dental benefits from Health Canada may use their status card as proof of other coverage.
If you opt out, you will be automatically re-enrolled in the Plan the following year. If you wish to opt out again, you will need to renew your opt out, but you will not be required to re-submit proof of equivalent coverage.
If you lose your equivalent coverage after opting out of the AMS Health and/or Dental Plan, you may re-enrol in the Plan within 30 days of losing your other coverage. You will have to provide proof of the loss of coverage.