Skip to main content

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 pur​​chase?​

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, assistive devices 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 Spending Account and Critical Illness (if opted out of Health and under age 65)

  • Dental

  • Dental Plus

  • Additional Critical Illness

$500 Health Spending Account (if opted out of Health and over age 65)

  • Dental

  • Dental Plus 

Rate inform​ation

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

Eligibility for optional upgraded coverage under OPIP 

​Optional 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. 

To learn more about these unique and customizable solutions, contact us by email at​ or by phone at 1-800-758-1641.

OMA Priority Insurance Program, Health and Dental and Group Critical Illness are 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 50130, 50131, 17884 and 17862. 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.

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”. 

Special offer

OMA Priority Insurance Program

Bundled solutions featuring Health Insurance, Critical Illness Insurance, Legal Expense Insurance and more — all in one highly affordable package.

Learn more about OPIP