Hi All
I am looking for some advice/experience on an OHIP (Ontario health insurance plan) requirement, specifically on the 153 of first 183 days requirement mentioned here: Apply for OHIP and get a health card | ontario.ca
To qualify for OHIP, you must meet all of the minimum qualifications listed below plus at least one of the additional requirements.
To meet the minimum qualifications you must:
- be physically in Ontario for 153 days in any 12‑month period
- be physically in Ontario for at least 153 days of the first 183 days immediately after you began living in the province
- make Ontario your primary residence
Here is my situation: I am going to be moving to Toronto in July with my wife and infant daughter from Bay Area. I am moving with my current employer who has an office in Toronto. I am sure they have some health insurance arrangement (need to find details, but I guess it is supplemental to OHIP and may be covers first 3 months if OHIP brings back the 3 month waiting period). Now, as per OHIP requirements, we need to stay in Ontario for 5 out of first 6 months (till Jan 15, since we land on July 15, for example). Now, my wife really wants to travel and stay in India for 2-3 months from October to December. I on the other hand will stay in Toronto and plan to be in India for 3-4 weeks in Nov/Dec. So, from PR card perspective, there is no issue as I will hopefully get PR card for all 3 of us before I go to India, so that they can come back with me without having to apply for PRTD.
I am worried on OHIP front due to 5 of 6 month rule. My wife and daughter won’t meet the requirement if we apply for OHIP as soon as we land in July. I have a couple of questions. If anyone has any experience/insight on this, I would really appreciate it.
-
Would it work if I apply for OHIP for myself in July, but only apply for OHIP for wife and daughter after they return from India in December, since I will meet the 5/6 month requirement but not my family? Meanwhile, I can get private insurance (I heard Manulife is good) for them for ~3 months (July-October). Would there be any problem with this approach? I am guessing this should not be a problem, because this is somewhat equivalent to the soft landing scenario where you only apply for OHIP after you move for good.
-
Just for my curiosity, how do the OHIP folks actually find out whether we meet the 5 of 6 month requirement? Once we apply in July, do we have to show some proof after 6 months that we were in Ontario for 5 of these months? This is just for my curiosity. I am definitely not going to try to game the system. I will apply for private health insurance for my family until they return from India.
I will ask the Canada HR rep as well. But I cannot contact them right now for some reasons. So just wanted to get some thought here.