UHIP (University Health Insurance Plan) | Sun Life Financial


Sun Life Financial is the provider of the University Health Insurance Plan. UHIP provides coverage for international non- residents, employees, students, visitors and their accompanying families who are not eligible for the Ontario Health Insurance Plan (OHIP). UHIP covers you for many of the same services covered by OHIP; however, it does not offer the exact same coverage as OHIP.  Participation in UHIP is mandatory for anyone who has a formalized relationship with the University of Waterloo and who is not eligible for OHIP.  You are required under the terms of your study/employment relationship to have health insurance to pay the cost of health care services and medical treatments while in Ontario. UHIP must be purchased for any period greater than three weeks for which provincial health insurance is not applicable.

Since the plan is compulsory, eligible participants should not purchase another health insurance plan to cover them while in Canada.

    How much does UHIP cost?

    Current UHIP premium rates are $63.00/per month per person to a max of $189.00 per month (3 people or more).


    Employees and visitors are required to enroll into the UHIP plan once you arrive in Ontario. Your dependents must enroll within 30 days of their initial arrival in Canada. If you enroll or re-enroll your dependents more than 30 days after your initial date of arrival in Canada, or after your previous UHIP coverage expires, the late dependent enrolment administrative fee of $500 per dependent and other conditions will apply.

    Email Human Resources: hrhelp@uwaterloo.ca or visit Human Resources on the first floor of East Campus 1 to request enrollment into UHIP.

    You and your dependents will need to provide copies of the following documentation upon enrollment:

    • Offer letter/ appointment letter (only applicable for international employees and UW visitors)

    • Passport

      • Photo

      • Stamp of arrival in Canada

    • Visa if applicable

    • Work permit/ study permit if applicable

    Register for mySunLife account

    You will be able to access the Sun Life website approximately five days after you have been enrolled in UHIP by the Human Resources department. Instructions on accessing the Sun Life member site can be found in the Sun Life member website registration guide (PDF).

    The MySunLife account will allow you to:

    • Print a copy of your coverage card
    • Sign up for direct deposit so claims payments go right to your bank account
    • Get important forms and information you’ll need
    • Check how soon a claim will be paid  

    Before you register online, please check your University email inbox. You may already have received a copy of your UHIP coverage card from SLF Coverage Card <slf.coverage.card@email.sunlife.com>.

      Didn’t get an email? Register online to get your card now.

      Visit mysunlife.ca and follow these easy steps:

      Important information about your UHIP coverage card

      • If the card shows incorrect informationcontact the UHIP administrator at your school to correct it.
      • You need to show a paper copy of your card every time you visit a health care provider.
      • If you don’t show your card you will have to pay upfront for your medical fees.

      Who to contact with questions?