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OPIP-2018-Rates

OPIP 2018 Rates

OPIP Health and Health Plus Premiums

The cost of the Health plan depends on your age and whether you choose single, single + 1, couple or family coverage. The actual cost may be lower than this amount as it will be determined at the end of the year, once the claims-to-premium experience of the plan is known. The actual cost of this option will be provided on the annual Premium Summary Statement sent to you. This coverage is included in your $350 annual contribution.

OPIP Health Plan Actual monthly plan costs - subsidized by the government1
Age2 Single Single + 1 Dependent Child Couple Family
< 30 $36.39 $41.02 $72.74 $80.09
30 - 34 $37.91 $42.72 $75.80 $83.44
35 - 39 $41.49 $46.76 $83.01 $91.37
40 - 44 $45.11 $50.84 $90.20 $99.30
45 - 49 $63.74 $71.82 $127.44 $140.29
50 - 54 $79.82 $89.96 $159.60 $175.71
55 - 59 $136.15 $153.43 $272.33 $299.78
60 - 64 $142.59 $160.69 $285.19 $313.93
65 - 69 $113.46 $127.86 $226.95 $249.83
70 - 74 $124.31 $140.09 $248.63 $273.70
75 - 79 $130.15 $146.66 $260.32 $286.54
80 - 84 $142.34 $160.39 $284.69 $313.37
85 - 89 $242.11 $272.85 $484.20 $533.02
90 + $540.31 $608.92 $1,080.59 $1,189.53


1 Actual cost is subsidized by the government. You pay no extra cost.

OPIP Health Plus Plan Monthly plan costs
Age Single Single + 1 Dependent Child Couple Family
Actual
Price
You
Pay
Actual
Price
You
Pay
Actual
Price
You
Pay
Actual
Price
You
Pay
< 30 $55.97 $19.58 $63.08 $22.06 $110.41 $37.67 $130.66 $50.57
30 - 34 $59.52 $21.61 $67.08 $24.36 $117.74 $41.94 $140.67 $57.23
35 - 39 $65.66 $24.17 $74.00 $27.24 $130.37 $47.36 $156.38 $65.01
40 - 44 $71.53 $26.42 $80.62 $29.78 $142.21 $52.01 $168.97 $69.67
45 - 49 $92.80 $29.06 $104.57 $32.75 $185.03 $57.59 $217.62 $77.33
50 - 54 $111.97 $32.15 $126.19 $36.23 $223.70 $64.10 $261.96 $86.25
55 - 59 $171.96 $35.81 $193.78 $40.35 $344.10 $71.77 $393.21 $93.43
60 - 64 $184.50 $41.91 $207.91 $47.22 $369.76 $84.57 $411.87 $97.89
65 - 69 $155.37 $41.91 $175.08 $47.22 $311.52 $84.57 $347.72 $97.89
70 - 74 $169.25 $44.94 $190.73 $50.64 $339.59 $90.96 $378.73 $105.03
75 - 79 $178.15 $48.00 $200.75 $54.09 $357.68 $97.36 $398.71 $112.17
80 - 84 $193.38 $51.04 $217.90 $57.51 $388.45 $103.76 $432.66 $119.29
85 - 89 $293.15 $51.04 $330.36 $57.51 $587.96 $103.76 $652.31 $119.29
90 + $591.35 $51.04 $666.43 $57.51 $1,184.35 $103.76 $1,308.82 $119.29

2 Premium rates are subject to applicable sales tax. Rates are reviewed on an annual basis and are subject to change. Rates are based on option and coverage type selection.

Definitions

"Age" means attained age as of Policy Anniversary (Jan 01). Please note premiums change as you reach certain ages as shown in the table.
"Single" means yourself.
"Single + 1" means you plus one dependent child.
"Couple" means you and your spouse.
"Family" means you plus two or more family members.

OPIP Dental Premiums

Monthly Plan Costs1
OPIP Dental OPIP Dental Plus
Single $45.61 $70.70
Couple $91.25 $141.44
Family $174.34 $275.45

1 Premiums are subject to applicable sales tax. Rates are reviewed on an annual basis and are subject to change.

"Single" means yourself.
"Couple" means you and one family member.
"Family" means you plus two or more family members.

OPIP Critical Illness Premiums

OPIP coverage also includes a Critical Illness benefit of up to $50,000 lump sum payment1 after surviving a diagnosis of one of 25 covered serious illnesses. Your payment gives you the freedom and flexibility to use the funds as you see fit. For example, you can use the money for:

  • out-of-country treatment, travel and expenses
  • experimental treatment​
  • medical equipment; home modification
  • private nursing or personal support worker
  • mortgage or other debts

This coverage is included in your $350 annual contribution.

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

Actual Monthly Plan Costs
$50,000 of Critical Illness Insurance under OPIP
Age Male
Non-Smoker
Female
Non-Smoker
Male
Smoker
Female
Smoker
< 30 $5.08 $4.41 $5.94 $5.32
30 - 34 $7.10 $8.22 $9.46 $11.21
35 - 39 $8.59 $10.33 $12.57 $16.56
40 - 44 $12.57 $14.07 $22.16 $26.64
45 - 49 $21.54 $20.42 $43.70 $42.58
50 - 54 $34.98 $27.27 $80.55 $59.51
55 - 59 $55.40 $36.73 $135.71 $77.56
60 - 64 $91.13 $52.04 $217.88 $99.72
65 - 692 $157.70 $85.18 $334.18 $141.31

Premiums are subject to applicable sales tax. Rates are reviewed on an annual basis and are subject to change. Rates are based on gender, age band and smoking status.

​​1 Based on the current tax laws, the cash benefit from a group critical illness insurance plan will not presently be ​taxed when the premiums are paid for by you and the benefit is payable to you. Diagnosis of a critical illness, such as cancer, heart attack or stroke must occur after the effective date of coverage and you must complete a Survival Period (usually 30 days).

2​ Critical Illness insurance is only available to members under age 65. CI is available only for renewing members who are age 65 and over.