If you are a new or returning resident coming to BC from outside Canada, you should arrange for private coverage during the period you are waiting for your BC Medical Services Plan coverage to become effective. Normally, the waiting period consists of the balance of the month of your arrival, plus two months. If you are a Temporary Foreign Worker (TFW) with a Labour Market Impact Assessment (LMIA) work permit please review the section below for additional information and the requirements for private medical coverage.
When and how do I arrange for private coverage?
Make arrangements for private coverage as soon as you arrive in Canada. If you are a Temporary Foreign Worker (TFW) with a Labour Market Impact Assessment (LMIA) work permit, you must have private coverage in place on the day you arrive in Canada (please review the section below for private coverage options that are available on the date of arrival).
We have presented two options below, but you can make arrangements with other private insurance agencies. No matter which insurance policy you purchase, it is important that you familiarize yourself with the details of the plan before you buy it.
Purchasing private coverage through Sun Life
Sun Life is UBC’s Extended Health and Dental benefits provider. The company also offers a private health insurance plan, called the Inpatriate Plan, that covers medical expenses during the MSP waiting period, including coverage for pre-existing medical conditions and pregnancy and childbirth for UBC faculty and staff (excludes those who are ineligible for UBC benefits such as Visiting Faculty and Adjunct Professors).
This plan is available on your date of arrival to Canada provided that you submit an application within 60 days of arrival. However, it is advisable to apply in advance of arrival.
If you decide to purchase a plan from Sun Life, your Department/Faculty will be charged the expense (Sun Life will not charge you). However, your Department/Faculty may require you to reimburse them for this cost. The current monthly rate as of January 1, 2025 is $183.00 (single); $366.00 (couple) and $549.00 (family).
Please contact your Hiring Department or Faculty to discuss these options.
If you are interested in learning more about the Sun Life Inpatriate Plan, please contact the Benefits team.
If you purchase this plan
- your Sun Life Inpatriate Plan will begin on your date of arrival.
- your UBC Extended Health Plan that supplements your MSP coverage and Dental Care coverage will begin on your date of hire and once you have enrolled in the plan.
In order to purchase the Inpatriate Plan, UBC Human Resources requires an emailed authorization from your Supervisor with the UBC ledger account, spend category and worktag that the premiums are to be paid from. Your Department or Supervisor should email the authorization to janet.mchugh@ubc.ca as confirmation of payment of the premiums. Please note that without this confirmation you will be unable to purchase the Inpatriate Plan.
Note the following payment options that you should discuss with your department prior to enrolling and purchasing:
Option 1:
Your Department covers the cost of the Plan for you and reimburses Human Resources within 31 days of notification
Option 2:
Your Department submits payment on your behalf to Human Resources within 31 days of notification (in this event, you will be required to pay back your Department for these costs).
Once confirmation of your application has been received by UBC HR from your Department/Faculty, you will be sent an application form. If you enrol within 60 days of your arrival in Canada, you do not need to provide a Health Statement. However, if you apply late (after 60 days following your arrival), you (and your dependents) will be required to provide a Health Statement that is subject to review and approval by Sun Life. If you are applying for coverage for your dependents only, they will need to provide evidence of good health by submitting a Health Statement regardless of the timing of the application.
Note to Departments: once the amount of premiums owing has been reconciled with Sun Life, this amount will be processed in Workday by UBC Human Resources and forwarded to the department for approval.
Purchasing private coverage through David Cummings Insurance Services
David Cummings Insurance Services (DCIS) is an insurance brokerage specializing in health insurance. DCIS offers a range of temporary private health insurance options to cover the MSP waiting period.
This plan generally has some limitations for coverage of pre-existing medical conditions and on coverage for pregnancy and childbirth. However, there are coverage options available and it is important for you to discuss your particular circumstances with the DCIS agent to ensure you get the right coverage for you and your dependents.
To apply:
If you decide to purchase a plan from DCIS, you pay them the full cost. For information on rates, contact DCIS directly.
- If you are a faculty member, you may be eligible for reimbursement from the UBC Relocation Fund.
- If you are a staff member, you may be eligible for reimbursement depending on your employment group.
For more information, contact the Administrator in your hiring Department or Faculty.
If you purchase this plan
- Your private plan with DCIS will begin on the day you arrive in Canada if you purchase it before you depart for Canada. Otherwise, if you purchase your private plan after arrival in Canada, the accident coverage starts on the date of purchase, and the sickness coverage would start after a waiting period (typically 48 hours after the policy start date). To avoid being uninsured for any amount of time in Canada, it is advisable to contact DCIS before travelling to Canada.
- Your UBC Extended Health Plan that supplements your MSP coverage will begin once you have met the MSP waiting period and you have enrolled in the plan.
- Your Dental Care coverage will begin on your date of hire and once you have enrolled in the plan.