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Essentials for International Medical Graduates

A group of medical residents discuss while walking through a hospital hallway

OMA Essentials: insurance solutions for International Medical Graduates.

A bundled insurance solution exclusively designed and priced for OMA members.

Get the protection you need.

This special offer for International Medical Graduates is just one of the ways OMA Insurance makes it easy for members to have the protection they need, when they need it. Apply for coverage by answering four medical questions.

The benefits of Essentials for International Medical Graduates

Disability Insurance coverage

Up to $4,500 monthly disability benefit1 at a 90-day elimination period.

Choice of step- or level-premium rates

Members choose which works best for them. Step-rates change according to age, while level rates remain level over time.

Life Insurance coverage

Includes $200,000 of Group Term Life Plus Insurance2. Coverage will automatically increase by 10 per cent every year up to 10 years with no medical questions asked.

Frequently asked questions

The eligibility criteria for the International Medical Graduates offer are as follows:

  • You are an OMA or Atlantic association/society member
  • You are a Canadian citizen or Landed Immigrant
  • You reside anywhere in Canada (except Quebec) on the date the application for coverage is signed
  • IMGs entering residency programs in Ontario are enrolled in a pre-residency program

How much does it cost?

Coverage is simple and the premiums are exclusive to members. Rates depend on a variety of factors such as sex at birth, age and smoking status. To learn more, including information on eligibility, renewability, limitations and exclusions, and to get a quote, simply contact us or call 1-888-596-8881.

Need advice? Our expert insurance advisors are here to help.

Special offer

The Essentials Offer is designed to give you the flexibility to combine coverage plans that continue throughout medical school, residency and into your practice, including Group Term Life Insurance, Disability Insurance and Professional Overhead Insurance.

View the Essentials Offer

1 Maximum monthly coverage is combined from all sources.

2 If you are not completely satisfied with your coverage, simply return it without claim within the 30-day risk-free, free look period for a full refund of all premiums paid.

This plan is underwritten by The Manufacturers Life Insurance Company (Manulife)
Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
© 2023 The Manufacturers Life Insurance Company.
All rights reserved P.O. Box 17001 Station Waterloo, Waterloo, Ontario N2J 0G5, 1-888-596-8881
Accessible formats and communication supports are available upon request. Visit and Manulife's privacy policy for more information.

The Essentials offer contains a policy underwritten by New York Life Insurance Company. The life insurance material describes the Group Term Plus 75 coverage under Policy G-29500 in very general terms. Complete terms are governed by the group insurance policy issued by New York Life Insurance Company, Canadian Chief Agency, 2100 Scotia Plaza, 40 King St. West, Toronto, Ontario M5H 3C2 on Policy Form GMR-FACE for (Life Insurance). If you become insured under the policy, you will receive a certificate of insurance outlining the details of your coverage. Coverage will continue as long as premiums are paid when due.