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The Ontario Health Insurance Plan(OHIP) pays for basic medical services for most Ontario residents. You should apply for OHIP as soon as you arrive. To apply, you must go in person to an OHIP office . When you go to the OHIP office, you will need to complete an application form. You must also provide original documents that prove your immigration status, residency and identity.

When your application has been accepted, you will receive a Health Card with your photograph on it. There is a three-month waiting period from the time you apply for OHIP until you are covered. You should consider buying health insurance from a private company during this period.

According to the Canada Life and Health Insurance Association (CLHIA), not all health related expenses would be covered with this private insurance (i.e. pregnancy). They do recommend that newcomers purchase private health insurance for the 3 months that they are not covered by the OHIP/Health Card for personal health coverage. However, you MUST buy this insurance within 5 days of arriving in Ontario, or the insurance companies will not provide coverage for you.