Essentials — Coverage you need, when you need it

At OMA Insurance, we know our members. As you move throughout the various stages of your training, career & lifestyle, it is time to check out our Essentials Offer.

Essentials is one of the most cost-effective insurance options available only through OMA Insurance. It is a bundled offer of several insurance products with coverage designed specifically for OMA members. Choose the offer based on your career stage:


Essentials is designed to provide personal financial protection and gives you the flexibility to combine coverage that continues through medical school, residency and into practice. You can count on OMA Insurance to provide you with products to protect you when you need it the most, and help you kick start your retirement savings, all uniquely designed exclusively for you. 

Enrol in the plan in your first year of medical school without any medical tests or health questions asked.



Residency takes your career forward. A disability can set it back.

Essentials for Residents is the simplest, most cost-effective way to help protect yourself with a reliable flow of income during a period of disability, so you can focus on your recovery instead of worrying about your financial resources.



It’s time to reflect and celebrate on completing your residency or fellowship. This change means that your resident association insurance coverage will end, and you need an option to stay protected - especially when you’re getting ready to start your own medical practice. Now is the time to top-up existing, or secure new insurance coverage.

Apply within 120 days of completing residency/fellowship. 


As an international medical graduate, OMA Insurance’s IMG Offer provides you with coverage that continues throughout your residency and into practice. Should an illness or injury occur, you can count on a plan with unique benefits and features.

Apply by August 31st in the year you are starting residency training.