UHIP (International Student Health Insurance)

University Health Insurance Plan (UHIP)

UHIP is a mandatory, comprehensive health insurance plan that provides health coverage for international students who hold a valid study permit and are enrolled full-time in a degree seeking program. UHIP covers medically necessary doctors and hospital visits within Ontario for international students, incoming exchange students and their eligible dependents (spouse and children).

ALL international students who are enrolled full-time will automatically be enrolled in and charged for UHIP every year. You must enroll your accompanying dependents within 30 days of their arrival date in Canada. If you enroll your family members more than 30 days after they arrive in Canada, you must pay a late application fee of $500.00 PLUS the monthly premium retroactive to the first of the month in which your dependents arrived in Canada.

The earliest date your coverage through UHIP can start is the 10th day of the month before the month in which your University term begins. If you arrive before this date, you will need to buy other medical insurance protection until your UHIP coverage becomes effective.

If you are covered under another insurance plan and would like more information on possibly being exempt from UHIP, please visit the International Student Services website for more information on exemptions. Please remember that the deadline for exemptions is September 30.

2023-2024 UHIP Premium (in Canadian dollars, including taxes)

Effective September 1, 2023-August 31, 2024

UHIP coverage for 2023-2024 is $756 per year per person ($63 per month per person). This fee is charged to your student account, and it must be paid in full by the fee deadline.

Costs based on start date:

September 2023

Persons Covered	Annual Premium
Student (Member)	$756.00
Student (Member) + 1 dependent	$1,512.00
Student (Member) + 2 or more dependents	$2,268.00

January 2024 

Persons Covered	Annual Premium
Student (Member)	$504.00
Student (Member) + 1 dependent	$1,008.00
Student (Member) + 2 or more dependents	$1,512.00

May 2024 

Persons Covered	Annual Premium
Student (Member)	$252.00
Student (Member) + 1 dependent	$504.00
Student (Member) + 2 or more dependents	$756.00

Incoming Exchange Students participating in an Exchange Program at McMaster University:

Study Period	Term Premium
4 month Exchange Program	$252.00
8 month Exchange Program	$504.00