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Upgrade your OPIP coverage

The OMA Priority Insurance Program was designed to ensure Ontario physicians have access to the same type of benefits that many Ontarians receive as part of an employee benefits program. However, many physicians may want to enhance their protection by purchasing additional coverage above the core coverages.

Health and dental expenses can add up quickly. With the cost of drugs and health care on the rise, an illness or hospital stay can expose you to significant and unexpected financial demands. 

What can I purc​hase?​

OMA Insurance recognizes doctors sometimes want their coverage to go beyond basic protection and offers more comprehensive coverage that includes enhanced benefits for members and their family. We offer exclusive optional upgrades that, when added to OPIP, go beyond basic coverage to offer added protection. Health and Health Plus, Dental and Dental Plus and additional Critical Illness Insurance are all available.​ 

Want to know more ​about these optional upgrades?

At the time of initial OPIP enrolment, OMA members under age 65 can also purchase an additional $50,000 each for Critical Illness coverage for themselves and their spouse — with no medical evidence required.

With Health Plus, members and their family can receive improved coverage for prescription drugs, hospitalization, paramedical services and more, plus vision care is also included.

Dental includes coverage for preventative and diagnostic treatments to help members and their dependents pay for eligible dental procedures. Dental Plus is enhanced coverage that includes major services for procedures such as crowns and bridges and, after a one-year waiting period, orthodontics. 

Subsidized coverage Optional self-funded coverage
Health and Critical Illness (under age 65) 
  • Health Plus
  • Dental
  • Dental Plus
  • Additional Critical Illness
Health (age 65 and over) 
  • Health Plus
  • Dental
  • Dental Plus
$350 Health Care Spending Account and Critical Illness (if opted out of Health and under age 65) 
  • Dental
  • Dental Plus
  • Additional Criticial Illness
$500 Health Care Spending Account (if opted out of Health and over age 65) 
  • Dental
  • Dental Plus

Rate informa​tion

Coverage is simple and affordable. Premiums depend on a variety of factors that could include age, smoking status and/or sex depending on the type of coverage. 

Eligibility for optional upgraded coverage under OPIP

O​ptional coverage under OPIP is available to members who meet the eligibility requirements​.

Members’ spouses and dependent children under age 18 (or under age 25 if a full-time student) are also eligible to participate in OPIP and the upgrade options if the member meets eligibility requirements.

Members under the age of 79 may also be eligible to purchase Health and Dental Insurance outside of OPIP.

Contact us

To learn more about OMA Insurance programs call

(Monday – Friday 8:45am – 5pm ET)

Or speak to an advisor

Ready to apply?

If you're ready to lock in the coverage that works best for you, take the next step and get a quote for the coverage you need, then proceed to the application. It helps to have birth dates and medical history information handy on everyone you would like to cover, like your spouse, children or a co-applicant. 

Get a quote and apply