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Essentials for International Medical Graduates

OMA Essentials: insurance solutions for International Medical Graduates. Image

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

Download a printable application form or call 1-800-758-1641 for a copy. Once completed, return the completed form to The insurer, Sun Life, will review and process your application.

It usually takes four to six weeks for the insurer, Sun Life, to process all the information. Once completed, your certificate(s) will be sent to you.

A claims package will be sent to you by Sun Life. This package will include forms to be completed by you and a form to be completed by your treating physician. Also, the OMA Insurance Programs offer the services of an independent claims consultant to assist you during the initial stages of submitting your claim, providing assistance by reviewing the claim and your insurance coverage with you. Should you be interested in this support, exclusive to OMA members, please call 1.800.758.1641, option 2 for more information. 

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, contact OMA Insurance at or 1-800-758-1641.

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

Special offer

Essentials 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.

The Essentials offer is underwritten by Sun Life Assurance Company of Canada. Sun Life Assurance Company of Canada is the insurer of this product and is a member of the Sun Life group of companies. For inquiries, please call Sun Life’s Client Care Centre at 1-800-758-1641, Monday to Friday, 8 a.m. to 8 p.m. ET. or visit

For complete details regarding coverage, please see the terms and conditions of Policies 140004 and 20647. If there is any conflict between this document and the wording of the policies (or the certificate), the wording of the policies will govern. A copy of the policy may be requested. Premium rates and discounts are not guaranteed and are subject to change upon notice.

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.

Premium rates and discounts are not guaranteed and are subject to change upon notice.

Exclusions and limitations may apply.

Important Notice: Effective February 1, 2023, Canadian Premier Life Insurance Company (“Canadian Premier”), acquired the Association and Affinity business of Sun Life Assurance Company of Canada (“Sun Life”). Any reference you see to “Sun Life” on this website or on insurance documents you may receive, should be considered referring to “Canadian Premier”.