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Newcomers Guide

OHIP health card in Ontario: eligibility, documents, how to apply and renew

By Alex Francisco Updated Figures checked 10 min read

Is there a waiting period for OHIP, and how do you get an Ontario health card?

OHIP, the Ontario Health Insurance Plan, has no waiting period, so eligible newcomers have immediate coverage and can apply as soon as they have moved to Ontario. Apply in person at a ServiceOntario centre with the registration form and three separate documents: one for your status in Canada, one showing you live in Ontario and one proving your identity.

  • Ontario.ca states there is no longer a waiting period for OHIP: eligible applicants have immediate health insurance coverage.
  • OHIP eligibility needs both a qualifying status (citizen, permanent resident, eligible work permit and others) and Ontario as your primary residence.
  • The residence test is physical presence of at least 153 of the first 183 days after you settle, then 153 days in any 12-month period.
  • Work permit holders qualify only if working full-time for an Ontario employer for at least 6 months, backed by a signed employer letter.
  • First-time applicants must visit a ServiceOntario centre in person with three separate documents; photocopies are not accepted.
  • Ontario health card renewal is free, due every 5 years, and can be done online within 180 days of expiry if you hold a valid Ontario driver's licence or Photo Card.

— YieldMaple, figures checked against official sources on September 30, 2026. Sources

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.

Who qualifies for OHIP, by status in Canada

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 statusWhat ontario.ca says
Canadian citizenQualifies (with the residence test)
Indigenous person registered under the federal Indian ActQualifies
Permanent residentQualifies
Applicant for permanent residenceQualifies 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 holderValid 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 statusMay be eligible; contact ServiceOntario
Live-in Caregiver Program or Seasonal Agricultural Worker ProgramQualifies with a valid work permit under the federal program
Convention refugee or other protected personQualifies (as defined by the Immigration and Refugee Board)
Temporary Resident Permit holderOnly certain case types (for example 86 through 95)
Clergy memberLegally 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 CanadaDo 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.

The three documents ServiceOntario asks for

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.

DocumentWhat it must showCommon examples for newcomers
Status in Canada (1 original)Proves Canadian citizenship or OHIP-eligible immigration statusCanadian 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 OntarioLease 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 signaturePassport (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.

  1. Check your status and residence. Confirm your status is on the list above and that Ontario is your primary residence.
  2. 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.
  3. Gather three documents, one from each category (status and identity must be originals). Work permit holders add the employer letter.
  4. Visit a ServiceOntario centre. You may be able to book an appointment ahead of your visit.
  5. 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.

What OHIP covers

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.

ServiceOHIP coverage
Doctors (family doctor and walk-in clinics)Full cost when medically necessary, including video or telephone visits
Hospital visits and staysDoctor and nursing services, tests, in-patient drugs, standard accommodation and meals
Laboratory testsMedically 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 hospitalEligible in-hospital surgery such as fracture repair or tumour removal
AmbulancePart or all of the cost, depending on the circumstances
Northern Ontario travelHelp 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.

What OHIP does not cover

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.

ServiceWhat happens
Prescription drugs outside hospitalNot 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 officeNot covered
Eyeglasses and contact lensesNot covered
Cosmetic surgeryNot covered
Private or semi-private hospital roomYou or your private insurance pay some or all of the fee
Drugs after hospital dischargeNot covered
Services by non-physicians outside hospital (unless prescribed by regulation)Not covered
Virtual care by secure messagingNot 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.

Ontario health card renewal: which route applies to 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.

RouteWho can use itWhat you need
OnlinePhoto 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 addressServiceOntario online renewal; print and carry the temporary document
In personAnyone, and required when turning 16, when a new photo is due, when replacing a red and white card, or when ServiceOntario sends a noticeCurrent health card plus proof of Ontario residence and identity (and your newest status document if it changed)
By mailMost children under 15 ½ and most people 80 or older, when the renewal notice says soFollow the renewal notice sent by ServiceOntario
Virtual appointmentCard 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 signatureVideo 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.

What OHIP pays for emergencies outside Canada

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.

ServiceMost OHIP pays
Doctor servicesThe lesser of the amount billed and Ontario's physician rates
Emergency outpatient hospital servicesUp 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 hospitalNot 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.

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.

Frequently asked questions

Is there a waiting period for OHIP?

No. Ontario.ca states that there is no longer a waiting period for OHIP coverage, and that eligible applicants have immediate health insurance coverage. You can apply once you have arrived and settled in Ontario, as long as you hold a qualifying status and make Ontario your primary residence. Older articles still mention a three-month wait; that rule no longer appears on the official Apply for OHIP page.

How do I apply for OHIP as a newcomer?

Visit a ServiceOntario centre in person; first-time OHIP applications cannot be made online. Bring a completed Registration for Ontario Health Insurance Coverage form (form 014-0265-82) and three separate documents: an original proving your citizenship or OHIP-eligible immigration status, one proving you live in Ontario (original, printed or digital) and an original proving your identity. You may be able to book an appointment ahead of your visit.

What documents do I need for an Ontario health card?

You need three separate documents, and photocopies are not accepted. The first is an original status document such as a PR card, a Confirmation of Permanent Residence or a Canadian passport. The second proves Ontario residence, such as a lease, utility bill, bank statement or pay stub, and can be printed or digital. The third proves identity and must show your name and signature, such as a passport or credit card.

Can work permit holders get OHIP?

Yes, if you hold a valid work permit and work full-time in Ontario for an Ontario employer for at least 6 months. ServiceOntario needs an employer letter or contract on company letterhead, signed and dated, stating that you work full-time, your job title, your start date and that the employer intends to employ you for at least six months. Your spouse and dependants may also qualify.

Can international students get OHIP?

A study permit is not one of the statuses listed on ontario.ca's Apply for OHIP page, so holding one does not qualify you on its own. It counts only in one narrow case: when it carries an IRCC note confirming you have applied for permanent residence, meet the eligibility requirements to apply and have not been denied. Health insurance for international students is normally arranged through the college or university, so the school's international student office is the place to ask.

How do I renew my health card in Ontario?

Most adults renew online through ServiceOntario if their photo health card expires within 180 days, or expired within the past 180 days, and they hold a valid Ontario driver's licence or Ontario Photo Card. Otherwise renew in person at a ServiceOntario centre with your current card and proof of residence and identity. Many children under 15 ½ and many people 80 or older can renew by mail when their notice says so.

Is Ontario health card renewal free?

Yes. Renewing an Ontario health card has a $0 fee, and switching from an old red and white card to a photo health card is also free. The renewed card is mailed in about 4 to 6 weeks and is valid for 5 years. You only pay if you renew your driver's licence at the same time online, because the licence renewal has its own fee.

Can I renew my Ontario health card online?

You can if you have a valid photo health card expiring within 180 days (or expired in the last 180 days), an up-to-date photo, signature and address, and a valid Ontario driver's licence or Ontario Photo Card. You cannot renew online within 90 days of changing your address with ServiceOntario. People aged 75 to 80 must renew in person for a new photo, and youth turning 16 must also go in person.

How long does it take to get an Ontario health card?

Ontario.ca does not publish a processing time for first-time applications on its Apply for OHIP page. Renewed cards are mailed in about 4 to 6 weeks, a replacement for a red and white card also takes 4 to 6 weeks, and a newborn's card is mailed within 8 weeks of the infant registration form. Keep the paperwork ServiceOntario gives you until the card arrives.

What does OHIP not cover?

OHIP does not cover prescription drugs outside hospital, dental care in a dentist's office, eyeglasses and contact lenses, cosmetic surgery, or private and semi-private hospital rooms. Routine eye exams for adults aged 20 to 64 are covered only with an eligible medical condition, and podiatry is only partly paid. Employer benefits, OHIP+ for people 24 and under, and private insurance fill most of these gaps.

Does OHIP cover prescriptions?

OHIP itself pays for drugs given in hospital, but not prescriptions filled at a regular pharmacy. Two Ontario drug programs fill part of that gap: OHIP+ covers more than 5,900 medications for anyone 24 or younger who has OHIP and no private plan, and the Ontario Drug Benefit program enrols people automatically from the month after they turn 65. Households with high drug costs can apply to the Trillium Drug Program; other adults usually rely on a workplace or private plan.

Do I lose OHIP if I leave Ontario for a long time?

You can. If you are outside Ontario for more than 212 days in any 12-month period, you may have to reapply at a ServiceOntario centre. Before a long trip abroad of more than 7 months, you can apply to keep coverage for up to 2 years if you have a valid card, Ontario is your primary home and you were in Ontario at least 153 days in each of the two previous 12-month periods.

What can I do if ServiceOntario says I do not qualify for OHIP?

Ask the OHIP Eligibility Review Committee (OERC) to review the decision. Email OERC@ontario.ca, the preferred method, or fax or mail your ServiceOntario eligibility assessment or transaction record, why you believe you qualify, any extra documents and your contact details. If the OERC also refuses, you have 30 days from receiving its written decision to appeal to the Health Services Appeal and Review Board.

Rules, rates and sources

Last verified
Next scheduled check
Rule or tableIn effect fromVerified
OHIP (Ontario health card): eligibility, no waiting period, documents, coverage and renewal rules September 21, 2026 September 30, 2026
Manitoba Health card: eligibility, when coverage starts, documents, registration and card rules September 28, 2026 September 30, 2026

Official sources

How we check figures: our methodology and editorial policy.

General information for education, not financial, tax, legal or immigration advice. Rules change — confirm anything you act on with the official source or a licensed professional (for immigration, a lawyer or a licensed consultant registered with the College of Immigration and Citizenship Consultants).