If you are a student who already has equivalent insurance, you may opt-out of these plans. You must opt-out annually, at the beginning of the term you are first registered in. Students who missed the deadline in the fall cannot opt out again until the following year.  You cannot rejoin the plan after you have opted-out, so check the expiry date on your insurance.


NOTE: OHIP/UHIP does not provide coverage equivalent to the Graduate Students Health and Dental Plan; therefore, you cannot opt-out if you are only covered by OHIP/UHIP. Travel health coverage obtained by international students in their home country may not provide an equivalent level of benefits to this Plan.


Opt-Out Application Periods:


Students charged Summer/Fall 2015 fees:  September 1–30, 2015

Students charged Winter 2016 fees:  January 4–22, 2016



To Opt-Out (during the above opt-out periods only): Please visit the studentcare.net/works website, www.ihaveaplan.ca.


The Opt-Out cheques will be mailed out in November 2015 for the fall session, and, again in March 2016 for the winter session. If you do not receive your cheques by the end of April, please forward the confirmation email you received when you opted out (this has the application number) and we will forward it to the broker for investigation.


You now also have an option for “direct deposit”. If you wish to use this option, please indicate this on the opt out form and provide your banking information.