This guide explains how OHIP, Ontario’s public health insurance plan, works for newcomers and existing residents, based on the Ministry of Health and ServiceOntario pages on ontario.ca checked on September 30, 2026. It is general information, not legal, immigration or medical advice. ServiceOntario decides every application under the Health Insurance Act, so confirm your own case with ServiceOntario.
Is there a waiting period for OHIP?
There is no waiting period for OHIP today. The Apply for OHIP page on ontario.ca (last updated July 21, 2025) says there is no longer a waiting period for OHIP coverage and that eligible applicants have immediate health insurance coverage. The page states this for every eligible applicant and does not carve out exceptions based on where you are arriving from.
This matters because a lot of older advice, and some settlement checklists, still describe a three-month wait. Ontario.ca does not mention one any more. The practical rule is simpler: once you have a qualifying status and have settled in Ontario, go to ServiceOntario as soon as your documents are ready.
Not every province works this way. Manitoba, for example, still makes people moving from another province wait until the first day of the third month after arrival (see the Manitoba health card guide for how that works). If you are comparing where to settle, Ontario has no provincial waiting period to bridge with private insurance once you are eligible.
Who is eligible for OHIP?
With certain exceptions, you are eligible for OHIP if you meet the residence test and hold at least one qualifying status. The residence test has three parts: you must be physically in Ontario 153 days in any 12-month period, be physically in Ontario at least 153 of the first 183 days after you begin living here, and make Ontario your primary residence.
The status list on ontario.ca is longer than most newcomers expect. It is reproduced below exactly as the rules stand.
How to read this table: find your status in the first column. You also need to pass the residence test (Ontario as your primary residence and the 153-day physical presence rule).
| Your status | What ontario.ca says |
|---|---|
| Canadian citizen | Qualifies (with the residence test) |
| Indigenous person registered under the federal Indian Act | Qualifies |
| Permanent resident | Qualifies |
| Applicant for permanent residence | Qualifies once IRCC confirms you meet the eligibility requirements to apply and you have not been denied (shown by an IRCC letter, or an IRCC document such as a work, study or visitor permit with a note confirming it) |
| Work permit holder | Valid work permit and working full-time in Ontario for an Ontario employer for at least 6 months; spouse and dependants may also qualify |
| Work permit expired, on maintained status | May be eligible; contact ServiceOntario |
| Live-in Caregiver Program or Seasonal Agricultural Worker Program | Qualifies with a valid work permit under the federal program |
| Convention refugee or other protected person | Qualifies (as defined by the Immigration and Refugee Board) |
| Temporary Resident Permit holder | Only certain case types (for example 86 through 95) |
| Clergy member | Legally in Canada and ministering full time in Ontario for at least 6 months; spouse and dependants may also qualify |
| Emergency humanitarian authorization (for example CUAET) | Covered for the duration of the authorization while temporarily living in Ontario |
| Visitors from other provinces or from outside Canada | Do not qualify |
Source: Apply for OHIP and get a health card — Ontario.ca (no waiting period); Apply for OHIP and get a health card — Ontario.ca (physical presence and primary residence); Apply for OHIP and get a health card — Ontario.ca (permanent residents); Apply for OHIP and get a health card — Ontario.ca (applicants for permanent residence); Apply for OHIP and get a health card — Ontario.ca (work permit holders); Apply for OHIP and get a health card — Ontario.ca (maintained status); Apply for OHIP and get a health card — Ontario.ca (caregivers and seasonal agricultural workers); Apply for OHIP and get a health card — Ontario.ca (refugees, TRPs and clergy); Apply for OHIP and get a health card — Ontario.ca (emergency humanitarian authorizations); Apply for OHIP and get a health card — Ontario.ca (apply in person); Apply for OHIP and get a health card — Ontario.ca (three documents); Apply for OHIP and get a health card — Ontario.ca (reapplying after 212 days away); Apply for OHIP and get a health card — Ontario.ca (babies); Apply for OHIP and get a health card — Ontario.ca (visitors); Apply for OHIP and get a health card — Ontario.ca (review by the OERC); Apply for OHIP and get a health card — Ontario.ca (appeal to HSARB); Apply for OHIP and get a health card — Ontario.ca (ServiceOntario INFOline); Documents needed to get a health card — Ontario.ca (three documents); Documents needed to get a health card — Ontario.ca (PR card and COPR); Documents needed to get a health card — Ontario.ca (applicants for permanent residence, IRCC document with note); Documents needed to get a health card — Ontario.ca (appointments); Documents needed to get a health card — Ontario.ca (work permit and employer letter); Documents needed to get a health card — Ontario.ca (employer letter contents); Documents needed to get a health card — Ontario.ca (proof of residency); Documents needed to get a health card — Ontario.ca (proof of identity); Documents needed to get a health card — Ontario.ca (document questions line); What OHIP covers — Ontario.ca (covered services); What OHIP covers — Ontario.ca (virtual visits); What OHIP covers — Ontario.ca (hospital drugs and rooms); What OHIP covers — Ontario.ca (private rooms); What OHIP covers — Ontario.ca (eye exams, under 20); What OHIP covers — Ontario.ca (eye exams, 65 and older); What OHIP covers — Ontario.ca (eye exams, 20 and older with a condition); What OHIP covers — Ontario.ca (eye exams, 65 and older without a condition); What OHIP covers — Ontario.ca (podiatry); What OHIP covers — Ontario.ca (ambulance); What OHIP covers — Ontario.ca (services not covered); What OHIP covers — Ontario.ca (charged for an insured service); What OHIP covers — Ontario.ca (health card number); Learn about OHIP+ — Ontario.ca; Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit at 65); Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit under 65); Learn about OHIP+ — Ontario.ca (Trillium Drug Program); Renew a health card — Ontario.ca (fee, delivery, validity); Renew a health card — Ontario.ca (online renewal); Renew a health card — Ontario.ca (online renewal window); Renew a health card — Ontario.ca (address change block); Renew a health card — Ontario.ca (ages 75 to 80 and 80+); Renew a health card — Ontario.ca (youth turning 16); Renew a health card — Ontario.ca (children by mail); Renew a health card — Ontario.ca (in-person renewal and expired cards); Renew a health card — Ontario.ca (virtual appointments); Renew a health card — Ontario.ca (virtual appointment pilot conditions); Replace, cancel or change information on your health card — Ontario.ca (address change); Replace, cancel or change information on your health card — Ontario.ca (lost photo card); Replace, cancel or change information on your health card — Ontario.ca (red and white card); Switch to a photo health card — Ontario.ca; OHIP coverage while outside Canada — Ontario.ca (long absences); OHIP coverage while outside Canada — Ontario.ca (Travellers Program criteria); OHIP coverage while outside Canada — Ontario.ca (emergency outpatient); OHIP coverage while outside Canada — Ontario.ca (emergency inpatient); OHIP coverage while outside Canada — Ontario.ca (private insurance); OHIP coverage outside Ontario — Ontario.ca (moving to another province); OHIP coverage outside Ontario — Ontario.ca (claims within 12 months). In effect from September 21, 2026; checked September 30, 2026.
Three groups trip people up. Work permit holders qualify only when the job is full-time, with an Ontario employer, for at least six months; a part-time job or a permit for a shorter contract does not count. Spouses of qualifying workers may be covered too, which matters for families arriving on a spousal open work permit. Applicants for permanent residence qualify once IRCC has confirmed they meet the eligibility requirements to apply and they have not been denied, shown by an IRCC letter or by a permit carrying an IRCC note that says so. Visitors, whether from another province or from abroad, do not qualify.
If your permit expires while an extension is being processed and you are on maintained status, ontario.ca says you may still be eligible and asks you to contact ServiceOntario. A post-graduation work permit is a work permit, and ontario.ca lists no separate rule for it, so the same full-time Ontario job and employer letter requirements apply.
What does the 153-day rule mean in practice?
The 153-day rule means you must actually be in Ontario most of the time: at least 153 of your first 183 days after settling, and at least 153 days in any 12-month period after that. It is a condition you keep meeting, not a waiting period, so you do not have to wait 153 days before applying.
A worked example shows how much travel it leaves room for. Someone who settles in Toronto on October 1, 2026 has a first 183-day window that runs to April 1, 2027. To keep 153 days inside that window, they can spend at most 30 days outside Ontario during it. A six-week trip home over the holidays would break the rule.
What documents do you need for an Ontario health card?
An Ontario health card application needs three separate documents: one original proving your Canadian citizenship or OHIP-eligible immigration status, one proving you live in Ontario (original, printed or digital), and one original proving your identity with your name and signature. Each document can count only once, and photocopies are refused.
How to read this table: bring one document from each row, and three different documents in total. The full list on ontario.ca has more options in each category.
| Document | What it must show | Common examples for newcomers |
|---|---|---|
| Status in Canada (1 original) | Proves Canadian citizenship or OHIP-eligible immigration status | Canadian passport or PR card (valid or expired no more than five years), Confirmation of Permanent Residence (IMM 5292 or 5688), Ontario or other Canadian birth certificate, work permit plus an employer letter |
| Ontario residence (1 original, printed or digital) | A second, different document showing you live in Ontario | Lease or rental agreement, utility or phone bill, monthly bank statement, pay stub or employer letter, Ontario driver's licence, most recent Notice of Assessment |
| Identity (1 original) | A third, different document with your name and signature | Passport (Canadian or foreign), credit card, PR card (if signature shown), employee ID card, student ID card, Ontario driver's licence |
Source: Apply for OHIP and get a health card — Ontario.ca (no waiting period); Apply for OHIP and get a health card — Ontario.ca (physical presence and primary residence); Apply for OHIP and get a health card — Ontario.ca (permanent residents); Apply for OHIP and get a health card — Ontario.ca (applicants for permanent residence); Apply for OHIP and get a health card — Ontario.ca (work permit holders); Apply for OHIP and get a health card — Ontario.ca (maintained status); Apply for OHIP and get a health card — Ontario.ca (caregivers and seasonal agricultural workers); Apply for OHIP and get a health card — Ontario.ca (refugees, TRPs and clergy); Apply for OHIP and get a health card — Ontario.ca (emergency humanitarian authorizations); Apply for OHIP and get a health card — Ontario.ca (apply in person); Apply for OHIP and get a health card — Ontario.ca (three documents); Apply for OHIP and get a health card — Ontario.ca (reapplying after 212 days away); Apply for OHIP and get a health card — Ontario.ca (babies); Apply for OHIP and get a health card — Ontario.ca (visitors); Apply for OHIP and get a health card — Ontario.ca (review by the OERC); Apply for OHIP and get a health card — Ontario.ca (appeal to HSARB); Apply for OHIP and get a health card — Ontario.ca (ServiceOntario INFOline); Documents needed to get a health card — Ontario.ca (three documents); Documents needed to get a health card — Ontario.ca (PR card and COPR); Documents needed to get a health card — Ontario.ca (applicants for permanent residence, IRCC document with note); Documents needed to get a health card — Ontario.ca (appointments); Documents needed to get a health card — Ontario.ca (work permit and employer letter); Documents needed to get a health card — Ontario.ca (employer letter contents); Documents needed to get a health card — Ontario.ca (proof of residency); Documents needed to get a health card — Ontario.ca (proof of identity); Documents needed to get a health card — Ontario.ca (document questions line); What OHIP covers — Ontario.ca (covered services); What OHIP covers — Ontario.ca (virtual visits); What OHIP covers — Ontario.ca (hospital drugs and rooms); What OHIP covers — Ontario.ca (private rooms); What OHIP covers — Ontario.ca (eye exams, under 20); What OHIP covers — Ontario.ca (eye exams, 65 and older); What OHIP covers — Ontario.ca (eye exams, 20 and older with a condition); What OHIP covers — Ontario.ca (eye exams, 65 and older without a condition); What OHIP covers — Ontario.ca (podiatry); What OHIP covers — Ontario.ca (ambulance); What OHIP covers — Ontario.ca (services not covered); What OHIP covers — Ontario.ca (charged for an insured service); What OHIP covers — Ontario.ca (health card number); Learn about OHIP+ — Ontario.ca; Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit at 65); Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit under 65); Learn about OHIP+ — Ontario.ca (Trillium Drug Program); Renew a health card — Ontario.ca (fee, delivery, validity); Renew a health card — Ontario.ca (online renewal); Renew a health card — Ontario.ca (online renewal window); Renew a health card — Ontario.ca (address change block); Renew a health card — Ontario.ca (ages 75 to 80 and 80+); Renew a health card — Ontario.ca (youth turning 16); Renew a health card — Ontario.ca (children by mail); Renew a health card — Ontario.ca (in-person renewal and expired cards); Renew a health card — Ontario.ca (virtual appointments); Renew a health card — Ontario.ca (virtual appointment pilot conditions); Replace, cancel or change information on your health card — Ontario.ca (address change); Replace, cancel or change information on your health card — Ontario.ca (lost photo card); Replace, cancel or change information on your health card — Ontario.ca (red and white card); Switch to a photo health card — Ontario.ca; OHIP coverage while outside Canada — Ontario.ca (long absences); OHIP coverage while outside Canada — Ontario.ca (Travellers Program criteria); OHIP coverage while outside Canada — Ontario.ca (emergency outpatient); OHIP coverage while outside Canada — Ontario.ca (emergency inpatient); OHIP coverage while outside Canada — Ontario.ca (private insurance); OHIP coverage outside Ontario — Ontario.ca (moving to another province); OHIP coverage outside Ontario — Ontario.ca (claims within 12 months). In effect from September 21, 2026; checked September 30, 2026.
Work permit holders need more than the permit. ServiceOntario also asks for proof of full-time employment for an Ontario employer, and the letter must meet every point below.
- An original or digital letter or contract on company letterhead, signed and dated by the employer
- It states that you are working full-time
- It states your job title or occupation
- It states your start date
- It states that the employer intends to employ you for a minimum of six months
A newly arrived permanent resident often does not have a lease or utility bill yet. A monthly bank statement showing an Ontario address counts as proof of residence, which is one reason to open a bank account as a newcomer in your first days. A pay stub or employer letter on letterhead works too. The same IRCC papers come up again when you apply for a Social Insurance Number and later renew your PR card, so keep them together.
How do you apply for OHIP?
To apply for OHIP, you go in person to a ServiceOntario centre with a completed Registration for Ontario Health Insurance Coverage form and your three separate documents. There is no online route for a first health card.
- Check your status and residence. Confirm your status is on the list above and that Ontario is your primary residence.
- Download and fill in the form. The Registration for Ontario Health Insurance Coverage form (014-0265-82) is linked from the Apply for OHIP page.
- Gather three documents, one from each category (status and identity must be originals). Work permit holders add the employer letter.
- Visit a ServiceOntario centre. You may be able to book an appointment ahead of your visit.
- Follow ServiceOntario’s instructions and keep any paperwork you are given until your card arrives.
Babies born in an Ontario hospital with birthing facilities, or with a registered midwife, are registered through the Ontario Health Coverage Infant Registration form the hospital or midwife gives you; the card is mailed within 8 weeks. Children adopted from outside Canada can be registered as soon as they arrive.
What does OHIP cover?
OHIP covers medically necessary doctor visits, hospital care and lab tests at no charge, plus eligible eye exams and in-hospital dental surgery, part of each podiatry visit and part or all of ambulance costs. Virtual doctor visits by video or phone count too.
How to read this table: a summary of the What OHIP covers page on ontario.ca (updated April 22, 2026). Every service must be medically necessary to be covered.
| Service | OHIP coverage |
|---|---|
| Doctors (family doctor and walk-in clinics) | Full cost when medically necessary, including video or telephone visits |
| Hospital visits and stays | Doctor and nursing services, tests, in-patient drugs, standard accommodation and meals |
| Laboratory tests | Medically necessary tests in hospitals and community labs (some specialized tests only in set cases) |
| Eye exams (19 and under) | One major eye exam every 12 months plus minor assessments |
| Eye exams (20 and older, with an eligible eye condition such as diabetes or glaucoma) | One major eye exam every 12 months plus 2 follow-up minor assessments |
| Eye exams (65 and older, no eligible condition) | One major eye exam every 18 months plus 2 follow-up minor assessments |
| Podiatry | $7 to $16 per visit, up to $135 per patient per year, plus $30 for x-rays |
| Dental surgery in hospital | Eligible in-hospital surgery such as fracture repair or tumour removal |
| Ambulance | Part or all of the cost, depending on the circumstances |
| Northern Ontario travel | Help with travel for specialized care through the Northern Health Travel Grant |
Source: Apply for OHIP and get a health card — Ontario.ca (no waiting period); Apply for OHIP and get a health card — Ontario.ca (physical presence and primary residence); Apply for OHIP and get a health card — Ontario.ca (permanent residents); Apply for OHIP and get a health card — Ontario.ca (applicants for permanent residence); Apply for OHIP and get a health card — Ontario.ca (work permit holders); Apply for OHIP and get a health card — Ontario.ca (maintained status); Apply for OHIP and get a health card — Ontario.ca (caregivers and seasonal agricultural workers); Apply for OHIP and get a health card — Ontario.ca (refugees, TRPs and clergy); Apply for OHIP and get a health card — Ontario.ca (emergency humanitarian authorizations); Apply for OHIP and get a health card — Ontario.ca (apply in person); Apply for OHIP and get a health card — Ontario.ca (three documents); Apply for OHIP and get a health card — Ontario.ca (reapplying after 212 days away); Apply for OHIP and get a health card — Ontario.ca (babies); Apply for OHIP and get a health card — Ontario.ca (visitors); Apply for OHIP and get a health card — Ontario.ca (review by the OERC); Apply for OHIP and get a health card — Ontario.ca (appeal to HSARB); Apply for OHIP and get a health card — Ontario.ca (ServiceOntario INFOline); Documents needed to get a health card — Ontario.ca (three documents); Documents needed to get a health card — Ontario.ca (PR card and COPR); Documents needed to get a health card — Ontario.ca (applicants for permanent residence, IRCC document with note); Documents needed to get a health card — Ontario.ca (appointments); Documents needed to get a health card — Ontario.ca (work permit and employer letter); Documents needed to get a health card — Ontario.ca (employer letter contents); Documents needed to get a health card — Ontario.ca (proof of residency); Documents needed to get a health card — Ontario.ca (proof of identity); Documents needed to get a health card — Ontario.ca (document questions line); What OHIP covers — Ontario.ca (covered services); What OHIP covers — Ontario.ca (virtual visits); What OHIP covers — Ontario.ca (hospital drugs and rooms); What OHIP covers — Ontario.ca (private rooms); What OHIP covers — Ontario.ca (eye exams, under 20); What OHIP covers — Ontario.ca (eye exams, 65 and older); What OHIP covers — Ontario.ca (eye exams, 20 and older with a condition); What OHIP covers — Ontario.ca (eye exams, 65 and older without a condition); What OHIP covers — Ontario.ca (podiatry); What OHIP covers — Ontario.ca (ambulance); What OHIP covers — Ontario.ca (services not covered); What OHIP covers — Ontario.ca (charged for an insured service); What OHIP covers — Ontario.ca (health card number); Learn about OHIP+ — Ontario.ca; Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit at 65); Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit under 65); Learn about OHIP+ — Ontario.ca (Trillium Drug Program); Renew a health card — Ontario.ca (fee, delivery, validity); Renew a health card — Ontario.ca (online renewal); Renew a health card — Ontario.ca (online renewal window); Renew a health card — Ontario.ca (address change block); Renew a health card — Ontario.ca (ages 75 to 80 and 80+); Renew a health card — Ontario.ca (youth turning 16); Renew a health card — Ontario.ca (children by mail); Renew a health card — Ontario.ca (in-person renewal and expired cards); Renew a health card — Ontario.ca (virtual appointments); Renew a health card — Ontario.ca (virtual appointment pilot conditions); Replace, cancel or change information on your health card — Ontario.ca (address change); Replace, cancel or change information on your health card — Ontario.ca (lost photo card); Replace, cancel or change information on your health card — Ontario.ca (red and white card); Switch to a photo health card — Ontario.ca; OHIP coverage while outside Canada — Ontario.ca (long absences); OHIP coverage while outside Canada — Ontario.ca (Travellers Program criteria); OHIP coverage while outside Canada — Ontario.ca (emergency outpatient); OHIP coverage while outside Canada — Ontario.ca (emergency inpatient); OHIP coverage while outside Canada — Ontario.ca (private insurance); OHIP coverage outside Ontario — Ontario.ca (moving to another province); OHIP coverage outside Ontario — Ontario.ca (claims within 12 months). In effect from September 21, 2026; checked September 30, 2026.
The podiatry cap is easy to hit. Someone with 10 visits a year who gets the top per-visit amount would reach $160 in OHIP payments, but OHIP stops at $135 per patient per year, and the rest of every bill is paid by the patient.
What does OHIP not cover?
OHIP does not cover prescription drugs filled at a pharmacy, dental work in a dentist’s office, glasses and contact lenses, cosmetic surgery, or an upgrade to a private or semi-private hospital room. These are the costs newcomers most often pay out of pocket.
How to read this table: these gaps are usually filled by a workplace benefits plan, OHIP+ for people 24 and under, the Ontario Drug Benefit program from age 65, federal programs or private insurance.
| Service | What happens |
|---|---|
| Prescription drugs outside hospital | Not covered by OHIP (OHIP+ covers eligible drugs for people 24 and under without a private plan; the Ontario Drug Benefit program covers people 65 and older) |
| Dental care in a dentist's office | Not covered |
| Eyeglasses and contact lenses | Not covered |
| Cosmetic surgery | Not covered |
| Private or semi-private hospital room | You or your private insurance pay some or all of the fee |
| Drugs after hospital discharge | Not covered |
| Services by non-physicians outside hospital (unless prescribed by regulation) | Not covered |
| Virtual care by secure messaging | Not covered (only video or telephone visits are) |
Source: Apply for OHIP and get a health card — Ontario.ca (no waiting period); Apply for OHIP and get a health card — Ontario.ca (physical presence and primary residence); Apply for OHIP and get a health card — Ontario.ca (permanent residents); Apply for OHIP and get a health card — Ontario.ca (applicants for permanent residence); Apply for OHIP and get a health card — Ontario.ca (work permit holders); Apply for OHIP and get a health card — Ontario.ca (maintained status); Apply for OHIP and get a health card — Ontario.ca (caregivers and seasonal agricultural workers); Apply for OHIP and get a health card — Ontario.ca (refugees, TRPs and clergy); Apply for OHIP and get a health card — Ontario.ca (emergency humanitarian authorizations); Apply for OHIP and get a health card — Ontario.ca (apply in person); Apply for OHIP and get a health card — Ontario.ca (three documents); Apply for OHIP and get a health card — Ontario.ca (reapplying after 212 days away); Apply for OHIP and get a health card — Ontario.ca (babies); Apply for OHIP and get a health card — Ontario.ca (visitors); Apply for OHIP and get a health card — Ontario.ca (review by the OERC); Apply for OHIP and get a health card — Ontario.ca (appeal to HSARB); Apply for OHIP and get a health card — Ontario.ca (ServiceOntario INFOline); Documents needed to get a health card — Ontario.ca (three documents); Documents needed to get a health card — Ontario.ca (PR card and COPR); Documents needed to get a health card — Ontario.ca (applicants for permanent residence, IRCC document with note); Documents needed to get a health card — Ontario.ca (appointments); Documents needed to get a health card — Ontario.ca (work permit and employer letter); Documents needed to get a health card — Ontario.ca (employer letter contents); Documents needed to get a health card — Ontario.ca (proof of residency); Documents needed to get a health card — Ontario.ca (proof of identity); Documents needed to get a health card — Ontario.ca (document questions line); What OHIP covers — Ontario.ca (covered services); What OHIP covers — Ontario.ca (virtual visits); What OHIP covers — Ontario.ca (hospital drugs and rooms); What OHIP covers — Ontario.ca (private rooms); What OHIP covers — Ontario.ca (eye exams, under 20); What OHIP covers — Ontario.ca (eye exams, 65 and older); What OHIP covers — Ontario.ca (eye exams, 20 and older with a condition); What OHIP covers — Ontario.ca (eye exams, 65 and older without a condition); What OHIP covers — Ontario.ca (podiatry); What OHIP covers — Ontario.ca (ambulance); What OHIP covers — Ontario.ca (services not covered); What OHIP covers — Ontario.ca (charged for an insured service); What OHIP covers — Ontario.ca (health card number); Learn about OHIP+ — Ontario.ca; Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit at 65); Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit under 65); Learn about OHIP+ — Ontario.ca (Trillium Drug Program); Renew a health card — Ontario.ca (fee, delivery, validity); Renew a health card — Ontario.ca (online renewal); Renew a health card — Ontario.ca (online renewal window); Renew a health card — Ontario.ca (address change block); Renew a health card — Ontario.ca (ages 75 to 80 and 80+); Renew a health card — Ontario.ca (youth turning 16); Renew a health card — Ontario.ca (children by mail); Renew a health card — Ontario.ca (in-person renewal and expired cards); Renew a health card — Ontario.ca (virtual appointments); Renew a health card — Ontario.ca (virtual appointment pilot conditions); Replace, cancel or change information on your health card — Ontario.ca (address change); Replace, cancel or change information on your health card — Ontario.ca (lost photo card); Replace, cancel or change information on your health card — Ontario.ca (red and white card); Switch to a photo health card — Ontario.ca; OHIP coverage while outside Canada — Ontario.ca (long absences); OHIP coverage while outside Canada — Ontario.ca (Travellers Program criteria); OHIP coverage while outside Canada — Ontario.ca (emergency outpatient); OHIP coverage while outside Canada — Ontario.ca (emergency inpatient); OHIP coverage while outside Canada — Ontario.ca (private insurance); OHIP coverage outside Ontario — Ontario.ca (moving to another province); OHIP coverage outside Ontario — Ontario.ca (claims within 12 months). In effect from September 21, 2026; checked September 30, 2026.
Three programs close part of the gap. OHIP+ pays for more than 5,900 medications for anyone 24 or younger with OHIP and no private plan, with no sign-up: the pharmacy just needs the health card number and an eligible prescription. From the month after their 65th birthday, Ontario residents join the Ontario Drug Benefit program automatically. Eligible residents may qualify for the federal Canadian Dental Care Plan for dental care. For everyone else, a workplace plan or private health insurance is the usual answer.
How do you renew your health card in Ontario?
Ontario health card renewal is free and due every 5 years, and most adults can do it online within 180 days of the expiry date if they have a valid Ontario driver’s licence or Ontario Photo Card. The renewed card is mailed in about 4 to 6 weeks, so print and carry the temporary document ServiceOntario gives you.
How to read this table: ServiceOntario mails a renewal notice before the card expires. If the notice says to visit a centre, the online route is not open to you.
| Route | Who can use it | What you need |
|---|---|---|
| Online | Photo card expiring within 180 days or expired within the past 180 days, with a valid Ontario driver's licence or Ontario Photo Card and an up-to-date photo, signature and address | ServiceOntario online renewal; print and carry the temporary document |
| In person | Anyone, and required when turning 16, when a new photo is due, when replacing a red and white card, or when ServiceOntario sends a notice | Current health card plus proof of Ontario residence and identity (and your newest status document if it changed) |
| By mail | Most children under 15 ½ and most people 80 or older, when the renewal notice says so | Follow the renewal notice sent by ServiceOntario |
| Virtual appointment | Card not yet expired, and either a permanent photo and signature exemption or age 18+ with a valid photo card that does not need a new photo and signature | Video call with a ServiceOntario representative (pilot) |
Source: Apply for OHIP and get a health card — Ontario.ca (no waiting period); Apply for OHIP and get a health card — Ontario.ca (physical presence and primary residence); Apply for OHIP and get a health card — Ontario.ca (permanent residents); Apply for OHIP and get a health card — Ontario.ca (applicants for permanent residence); Apply for OHIP and get a health card — Ontario.ca (work permit holders); Apply for OHIP and get a health card — Ontario.ca (maintained status); Apply for OHIP and get a health card — Ontario.ca (caregivers and seasonal agricultural workers); Apply for OHIP and get a health card — Ontario.ca (refugees, TRPs and clergy); Apply for OHIP and get a health card — Ontario.ca (emergency humanitarian authorizations); Apply for OHIP and get a health card — Ontario.ca (apply in person); Apply for OHIP and get a health card — Ontario.ca (three documents); Apply for OHIP and get a health card — Ontario.ca (reapplying after 212 days away); Apply for OHIP and get a health card — Ontario.ca (babies); Apply for OHIP and get a health card — Ontario.ca (visitors); Apply for OHIP and get a health card — Ontario.ca (review by the OERC); Apply for OHIP and get a health card — Ontario.ca (appeal to HSARB); Apply for OHIP and get a health card — Ontario.ca (ServiceOntario INFOline); Documents needed to get a health card — Ontario.ca (three documents); Documents needed to get a health card — Ontario.ca (PR card and COPR); Documents needed to get a health card — Ontario.ca (applicants for permanent residence, IRCC document with note); Documents needed to get a health card — Ontario.ca (appointments); Documents needed to get a health card — Ontario.ca (work permit and employer letter); Documents needed to get a health card — Ontario.ca (employer letter contents); Documents needed to get a health card — Ontario.ca (proof of residency); Documents needed to get a health card — Ontario.ca (proof of identity); Documents needed to get a health card — Ontario.ca (document questions line); What OHIP covers — Ontario.ca (covered services); What OHIP covers — Ontario.ca (virtual visits); What OHIP covers — Ontario.ca (hospital drugs and rooms); What OHIP covers — Ontario.ca (private rooms); What OHIP covers — Ontario.ca (eye exams, under 20); What OHIP covers — Ontario.ca (eye exams, 65 and older); What OHIP covers — Ontario.ca (eye exams, 20 and older with a condition); What OHIP covers — Ontario.ca (eye exams, 65 and older without a condition); What OHIP covers — Ontario.ca (podiatry); What OHIP covers — Ontario.ca (ambulance); What OHIP covers — Ontario.ca (services not covered); What OHIP covers — Ontario.ca (charged for an insured service); What OHIP covers — Ontario.ca (health card number); Learn about OHIP+ — Ontario.ca; Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit at 65); Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit under 65); Learn about OHIP+ — Ontario.ca (Trillium Drug Program); Renew a health card — Ontario.ca (fee, delivery, validity); Renew a health card — Ontario.ca (online renewal); Renew a health card — Ontario.ca (online renewal window); Renew a health card — Ontario.ca (address change block); Renew a health card — Ontario.ca (ages 75 to 80 and 80+); Renew a health card — Ontario.ca (youth turning 16); Renew a health card — Ontario.ca (children by mail); Renew a health card — Ontario.ca (in-person renewal and expired cards); Renew a health card — Ontario.ca (virtual appointments); Renew a health card — Ontario.ca (virtual appointment pilot conditions); Replace, cancel or change information on your health card — Ontario.ca (address change); Replace, cancel or change information on your health card — Ontario.ca (lost photo card); Replace, cancel or change information on your health card — Ontario.ca (red and white card); Switch to a photo health card — Ontario.ca; OHIP coverage while outside Canada — Ontario.ca (long absences); OHIP coverage while outside Canada — Ontario.ca (Travellers Program criteria); OHIP coverage while outside Canada — Ontario.ca (emergency outpatient); OHIP coverage while outside Canada — Ontario.ca (emergency inpatient); OHIP coverage while outside Canada — Ontario.ca (private insurance); OHIP coverage outside Ontario — Ontario.ca (moving to another province); OHIP coverage outside Ontario — Ontario.ca (claims within 12 months). In effect from September 21, 2026; checked September 30, 2026.
The rules that most often force an in-person visit:
- A recent move. You cannot renew online within 90 days of changing your address with ServiceOntario.
- Turning 16. Youth must renew in person, and can do so up to 6 months before the card expires.
- Ages 75 to 80. A new photo is required, so renewal is in person; from age 80, renewal by mail is also possible.
- A red and white card. Switching to a photo card is free but must be done in person with three documents.
- An expired card or a long absence. If the card has expired or you were out of Ontario more than 7 months in the last 12, expect to show extra proof that Ontario is your primary residence.
Newcomers should watch the first renewal in particular: if your immigration status changed since your last card (for example, you became a permanent resident or a citizen), bring your newest status document when you renew.
How do you change your address or replace a lost health card?
You must update the address on your health card within 30 days of moving, online, by mail, by letter to ServiceOntario or in person. Keeping it current matters because renewal notices go to that address, and an old address can stop you renewing online later.
A lost, stolen or damaged photo health card that has not expired can be replaced by phone at 1-800-664-8988, as long as your name and address have not changed. If they have changed, or the card has expired, or it is an old red and white card, you must visit a ServiceOntario centre; a replacement for a red and white card arrives in about 4 to 6 weeks.
Treat the card number with care. Ontario.ca says you can use the card as identification, but only health care providers are entitled to record or copy your health card number.
What happens to OHIP when you travel or move away?
OHIP keeps covering you on short trips, but it pays only a limited amount outside Canada, and long absences can end your coverage. If you are out of Ontario for more than 212 days in any 12-month period, you may have to reapply.
How to read this table: the treatment must be medically necessary, at a licensed hospital or health facility, for an acute and unexpected condition that arose outside Canada and needs immediate care. Anything above these amounts is billed to you, which is why ontario.ca recommends private travel insurance.
| Service | Most OHIP pays |
|---|---|
| Doctor services | The lesser of the amount billed and Ontario's physician rates |
| Emergency outpatient hospital services | Up to $50 (Canadian) per day, or the amount billed if less |
| Emergency inpatient care (operating room, intensive, coronary or neonatal care) | Up to $400 (Canadian) per day |
| Emergency inpatient care (lower levels of care) | Up to $200 (Canadian) per day |
| Transfer home to an Ontario hospital | Not covered |
Source: Apply for OHIP and get a health card — Ontario.ca (no waiting period); Apply for OHIP and get a health card — Ontario.ca (physical presence and primary residence); Apply for OHIP and get a health card — Ontario.ca (permanent residents); Apply for OHIP and get a health card — Ontario.ca (applicants for permanent residence); Apply for OHIP and get a health card — Ontario.ca (work permit holders); Apply for OHIP and get a health card — Ontario.ca (maintained status); Apply for OHIP and get a health card — Ontario.ca (caregivers and seasonal agricultural workers); Apply for OHIP and get a health card — Ontario.ca (refugees, TRPs and clergy); Apply for OHIP and get a health card — Ontario.ca (emergency humanitarian authorizations); Apply for OHIP and get a health card — Ontario.ca (apply in person); Apply for OHIP and get a health card — Ontario.ca (three documents); Apply for OHIP and get a health card — Ontario.ca (reapplying after 212 days away); Apply for OHIP and get a health card — Ontario.ca (babies); Apply for OHIP and get a health card — Ontario.ca (visitors); Apply for OHIP and get a health card — Ontario.ca (review by the OERC); Apply for OHIP and get a health card — Ontario.ca (appeal to HSARB); Apply for OHIP and get a health card — Ontario.ca (ServiceOntario INFOline); Documents needed to get a health card — Ontario.ca (three documents); Documents needed to get a health card — Ontario.ca (PR card and COPR); Documents needed to get a health card — Ontario.ca (applicants for permanent residence, IRCC document with note); Documents needed to get a health card — Ontario.ca (appointments); Documents needed to get a health card — Ontario.ca (work permit and employer letter); Documents needed to get a health card — Ontario.ca (employer letter contents); Documents needed to get a health card — Ontario.ca (proof of residency); Documents needed to get a health card — Ontario.ca (proof of identity); Documents needed to get a health card — Ontario.ca (document questions line); What OHIP covers — Ontario.ca (covered services); What OHIP covers — Ontario.ca (virtual visits); What OHIP covers — Ontario.ca (hospital drugs and rooms); What OHIP covers — Ontario.ca (private rooms); What OHIP covers — Ontario.ca (eye exams, under 20); What OHIP covers — Ontario.ca (eye exams, 65 and older); What OHIP covers — Ontario.ca (eye exams, 20 and older with a condition); What OHIP covers — Ontario.ca (eye exams, 65 and older without a condition); What OHIP covers — Ontario.ca (podiatry); What OHIP covers — Ontario.ca (ambulance); What OHIP covers — Ontario.ca (services not covered); What OHIP covers — Ontario.ca (charged for an insured service); What OHIP covers — Ontario.ca (health card number); Learn about OHIP+ — Ontario.ca; Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit at 65); Get coverage for prescription drugs — Ontario.ca (Ontario Drug Benefit under 65); Learn about OHIP+ — Ontario.ca (Trillium Drug Program); Renew a health card — Ontario.ca (fee, delivery, validity); Renew a health card — Ontario.ca (online renewal); Renew a health card — Ontario.ca (online renewal window); Renew a health card — Ontario.ca (address change block); Renew a health card — Ontario.ca (ages 75 to 80 and 80+); Renew a health card — Ontario.ca (youth turning 16); Renew a health card — Ontario.ca (children by mail); Renew a health card — Ontario.ca (in-person renewal and expired cards); Renew a health card — Ontario.ca (virtual appointments); Renew a health card — Ontario.ca (virtual appointment pilot conditions); Replace, cancel or change information on your health card — Ontario.ca (address change); Replace, cancel or change information on your health card — Ontario.ca (lost photo card); Replace, cancel or change information on your health card — Ontario.ca (red and white card); Switch to a photo health card — Ontario.ca; OHIP coverage while outside Canada — Ontario.ca (long absences); OHIP coverage while outside Canada — Ontario.ca (Travellers Program criteria); OHIP coverage while outside Canada — Ontario.ca (emergency outpatient); OHIP coverage while outside Canada — Ontario.ca (emergency inpatient); OHIP coverage while outside Canada — Ontario.ca (private insurance); OHIP coverage outside Ontario — Ontario.ca (moving to another province); OHIP coverage outside Ontario — Ontario.ca (claims within 12 months). In effect from September 21, 2026; checked September 30, 2026.
The gap is large in practice. A three-day intensive care stay abroad would get at most $1,200 from OHIP for the hospital portion, whatever the hospital actually charges. OHIP also does not pay to bring you home to an Ontario hospital.
For longer stays, plan ahead. Before a trip of more than 7 months outside Canada, you can apply at ServiceOntario to keep coverage for up to 2 years if Ontario stays your primary home and you were in Ontario at least 153 days in each of the two 12-month periods before leaving. If you move permanently to another province, OHIP covers you until the last day of the second full month after you leave, so apply to your new province straight away; the Alberta health card guide covers that province’s rules.
What if ServiceOntario says you do not qualify?
If ServiceOntario says you do not qualify for OHIP, you can ask the OHIP Eligibility Review Committee (OERC) to review the decision. The committee only reviews cases where ServiceOntario has made a decision, so bring back any extra documents ServiceOntario asked for first.
Send the OERC, by email to OERC@ontario.ca (the preferred method), by fax to 613-548-6557 or by mail to the OHIP Eligibility Review Committee, Ministry of Health, 49 Place d’Armes, 3rd floor, Kingston, ON K7L 5J3:
- a copy of your eligibility assessment or transaction record from ServiceOntario
- why you believe you qualify
- any extra information or documents that show you qualify
- your up-to-date contact details
If the OERC also refuses, you can appeal to the Health Services Appeal and Review Board within 30 days of receiving the OERC’s written decision. For general questions, call the ServiceOntario INFOline at 1-866-532-3161 (TTY 1-800-387-5559) or, for document questions, 1-800-268-1154 toll-free in Ontario (416-314-5518 in Toronto).
Common OHIP mistakes
- Waiting three months to apply. The waiting period is gone; apply once you have settled and have your documents.
- Bringing photocopies. Status and identity documents must be originals, and the three documents must be different.
- Using a work permit without the employer letter. The letter must confirm full-time work for at least six months.
- Assuming a study permit qualifies. On its own it is not on the status list; school health plans are the usual route for international students.
- Leaving for a long holiday in the first six months. The 153-of-183-day rule allows only about 30 days away.
- Forgetting the address change. It is required within 30 days and affects online renewal.
- Travelling without private insurance. OHIP’s out-of-country payments are capped per day.
What changes next?
Ontario updates these pages without a fixed schedule: the renewal page was updated on September 21, 2026 and the coverage page on April 22, 2026, while the Apply for OHIP page has not changed since July 21, 2025. ServiceOntario’s virtual renewal appointments are described as a pilot, so expect that route to change. This page is checked against ontario.ca every quarter, and the tables above change first when Ontario changes its rules.
Related guides and tools
A health card is one of several things to set up in your first weeks in Ontario. The Ontario income tax calculator shows what a job offer pays after tax, which helps when you are weighing an employer’s health benefits against buying private coverage yourself.