About the BC Medical Services Plan (MSP)
The British Columbia (BC) government Medical Services Plan (BC MSP) is a mandatory public health insurance plan for everyone who lives in BC for 6 months or longer. Applying for the BC MSP allows you to benefit from the health care available to all BC residents. The plan covers the cost of basic medical care within Canada, including most physician and hospital services. If you are not enrolled, you will have to pay for medical expenses independently.
See health insurance for international students to learn about the differences between iMED, MSP, and the AMS/GSS Health and Dental Plan.
Who is eligible and how do I apply?
If you will live in BC for 6 months or longer, you are required by law to enrol in MSP. If you are a study permit holder, you’re required to pay the plan’s health-care coverage fee.
You must apply for MSP as soon as you arrive in BC. You cannot apply for MSP before you arrive.
You can apply for the Fair PharmaCare plan to enhance your coverage at the same time you apply for MSP. Check the “Register for BC PharmaCare” section below for details.
When am I covered?
There is a 3-month waiting period before MSP coverage begins: this is the balance of the month in which you arrive in British Columbia (BC), plus two full calendar months. For example, if you arrive in BC on August 25, you are eligible for MSP coverage starting November 1.
To cover the 3-month waiting period for MSP, most new-to-UBC international students are covered by iMED health insurance for their first 3 months in Canada. Returning international students whose iMED insurance policy has already expired and are not re-enrolled for iMED are advised to purchase private temporary health insurance, such as the Global Campus Health Plan. If you are a part-time student, UBC employee, visiting instructor, postdoctoral fellow, or other non-student affiliate and need temporary health insurance, contact David Cummings Insurance Services (DCIS) for information about “non-student” medical insurance plan options.
BC MSP coverage will be provided to the same expiry date as your status in Canada (such as your study or work permit), unless you leave BC for an extended period.
If you extend your study permit or get a Post-Graduation Work Permit, you must apply to extend your MSP online, otherwise you will not be covered.
If you applied for a new study or work permit and your study permit expires before you receive it, you will have maintained status. It’s important to take action and request temporary MSP coverage while under maintained status.
MSP coverage fees
As of January 1, 2020, all study permit holders are charged a $75 health-care coverage fee per month. You will receive a bill from the British Columbia government, and must pay the BC government directly. You can pay online and set up online services, such as seeing your balance, setting up paperless invoicing, and autopayments.
If your family is with you in Canada, they will only be charged the new health-care coverage fee if they also hold study permits. If they hold work permits or are here as visitors, they will not be charged the fee.
The fees are subject to change. Check the MSP website for the most up-to-date information.
Changing from study permit to Post-Graduation Work Permit (PGWP)
Even if your MSP coverage has not expired, once you get your PGWP, contact MSP by phone to update your account and request to have your fees changed. As a work permit holder, you do not need to pay the health-care coverage fee.
Getting your MSP card
When your application is processed, your MSP card, or BC Services Card (formerly known as “BC CareCard”), will be mailed to the address you provided in your application. Your BC Services Card will indicate your coverage period, which should match the expiration date of your status in Canada (such as your study or work permit). Note that your card will not include your photo.
Using your MSP insurance
In most cases, you will not have to pay at the time you seek care for medically required services when you show your BC Services Card.
MSP does not cover dental care, prescription drugs, routine vision care such as eye examinations or corrective lenses, or travel. The AMS/GSS Extended Health and Dental Plan is designed to cover some of these costs.
See a full list of your medical and health care benefits provided by MSP.
In general, you should go to clinics for non-urgent medical care, and hospitals for emergencies. For emergencies and for an ambulance, call 911. Learn about when to go to an Emergency Department or Urgent & Primary Care Centre, finding services in BC, and explore the BC Newcomers’ Guide to learn about healthcare in BC, which is available in 13 languages. You can also call 811 to reach Health Link BC 24/7 for assistance and to speak to healthcare professionals such as a nurse.
UBC’s Student Health Service offers a range of health assessments and treatments on-campus.
Register for BC Fair PharmaCare
It is recommended for most students to register for the BC Fair PharmaCare program, which may provide additional coverage for prescription drugs, medical devices and pharmacy services. BC Fair PharmaCare registration may be required for prescription coverage through the AMS/GSS Health and Dental plan.
Since coverage is based on income, the application requires proof of your previous income based on taxes filed in Canada 2 years ago. If you are a new resident of Canada, recently turned 19, or were exempt from filing taxes in Canada 2 years ago, you might be able to submit a Fair PharmaCare Proof of Income Affidavit—contact MSP for assistance.
As of October 2022, you can register for the BC Fair PharmaCare plan at the same time you apply for MSP. It is also possible to register for Fair PharmaCare separately.
You need to provide a Social Insurance Number (SIN) to apply. If you don’t have a SIN yet, consider applying for MSP separately as soon as you arrive in BC, then register for Fair PharmaCare once you have your SIN.
If you have questions about enrollment with Fair PharmaCare, contact MSP.
Once your MSP coverage begins
MSP will send you an invoice in the mail each month. You need to start making payments after you receive the invoice.
Remember to tell MSP if you change your address, change your name, leave BC permanently, or need to add/remove dependents to or from your coverage (for example you get married, divorced, have a common-law partner, or have children). See the Managing your MSP Account page.
Remember to keep your MSP valid by extending your MSP coverage each time you extend your temporary residency in Canada (for example, when you extend your study permit or get a Post-Graduation Work Permit). Be sure to understand how having maintained status can affect your coverage, if your study or work permit will expire while you are in Canada.
Maintaining your MSP coverage
Generally, your MSP coverage will have the same expiry date as your status in Canada, such as the expiry date of your study permit or Post-Graduation Work Permit.
If you extend your immigration documents, make sure you extend your MSP coverage as soon as you get your new study or work permit.
How having maintained status impacts your MSP coverage
You will have “maintained status” (formerly called “implied status”) if all of the following applies to you:
- You applied for a new immigration document, such as a study or work permit, before the old one expired.
- You remain in Canada.
- You won’t receive a new immigration document before your old one expires.
If you are waiting for your study permit extension or Post-Graduation Work Permit (PGWP)
If you have applied to renew your study permit or applied for a PGWP before your study permit expired and you are still waiting for the approval while your current study permit has expired, you have “maintained status” and can legally stay in Canada. You should call MSP to request temporary coverage for an initial 6 months while you are on maintained status. This is particularly important if you have a pre-existing condition which may not be covered by private health insurance, such as pregnancy.
As of May 1, 2022, temporary health insurance coverage with MSP is available to those on maintained status who meet MSP’s eligibility requirements. This also applies to your dependents who are currently residents of BC.
If MSP approves your request for temporary coverage, ask them to confirm what your coverage start date will be and until when the coverage will be provided. If you and your family members are study permit holders, you will continue to be charged the monthly healthcare coverage fee.
You will need to submit an MSP extension application and provide all of the following documents instead of a copy of your study or work permit:
- A letter written by yourself explaining your status and your request for temporary coverage, such as, “I would like to request temporary coverage of BC MSP as I applied to extend my immigration documents before my BC MSP and immigration status expired and was advised by a Health Insurance BC agent that I am eligible for coverage during maintained status”. Review the MSP Temporary Coverage Sample Letter (pdf).
- A copy of the IRCC submission confirmation (PDF) confirming that IRCC received your immigration application. To find your confirmation, log into your IRCC online account.
If it has been 4 weeks or longer since your previous study permit expired, you must provide recent documentation from IRCC from within the past 4 weeks showing that your study or work permit application is still being processed. Examples of supporting documents include:
- A screenshot or PDF of your IRCC online account webpage showing the current status of your study or work permit application and timestamp of the current date (must be from within the past 4 weeks). Click “check status and messages” under the “View my submitted applications or profiles” section.
- The most recent correspondence received by IRCC regarding your study or work permit application status issued within the past 4 weeks, such as a PDF letter in your IRCC online account under “messages”.
If MSP is not able to provide temporary coverage, purchase temporary private health insurance, such as the Global Campus Health Plan to cover you until you can reinstate your MSP coverage. If you are a part-time student, UBC employee, visiting instructor, postdoctoral fellow, or other non-student affiliate and need temporary hospital and medical coverage, contact David Cummings Insurance Services (DCIS) for information about “non-student” medical insurance plan options.
Once you get your new immigration document, you will need to extend or reapply for MSP.
If you were approved for MSP temporary coverage, apply to extend your MSP online with a copy of your new study or work permit.
If you were not approved for MSP temporary coverage, depending on the length of the gap in MSP coverage, you will either be able to get an extension of your MSP, or you will need to reapply for MSP. You must contact MSP by phone to confirm your eligibility, as it will depend on your individual circumstances.
If you will need to reapply for MSP and serve the 3-month MSP waiting period again, be sure to purchase temporary private health insurance, such as the Global Campus Health Plan, to cover you during the 3-month waiting period.
If you can extend your MSP and you hold a study permit, you will continue to be charged the monthly healthcare coverage fee.
MSP coverage outside of BC
Maintaining your MSP eligibility
If you’re leaving British Columbia (BC) temporarily due to a co-op placement or travel plans, you will continue being billed for your health-care coverage fee.
To remain eligible for MSP, you need to live in BC for a minimum of 6 months in one calendar year. If you are absent from BC for more than 6 months, you may need to re-apply when you return to the province and go through the approximately 3-month waiting period again. Be sure to get temporary private health insurance, such as the Global Campus Health Plan, for your waiting period. If you are a part-time student, UBC employee, visiting instructor, postdoctoral fellow, or other non-student affiliate and need temporary hospital and medical coverage, contact David Cummings Insurance Services (DCIS) for information about “non-student” medical insurance plan options.
For example, if you live outside of BC between May and December in 2024, you may need to reapply for your health insurance. However, if you are away from BC between September 2024 and April 2025, you remain eligible for MSP because you are only absent from the province for 4 months in each calendar year.
For more information, visit Leaving BC Temporarily.
Make sure you understand MSP’s residency requirements and call MSP to discuss how your coverage could be impacted by travel plans. It will help if you know the exact dates when you will be traveling outside BC.
You might be able to continue to use MSP coverage for 3 months outside of BC, which could be used to cover your waiting period in another province or territory. To confirm your eligibility for coverage outside of BC and options to cancel your MSP, contact MSP by phone.
Different provinces and territories in Canada have their own health insurance plans and not all of them provide coverage for international students. Check with the province or territory’s health insurance plan to confirm if you are eligible to join and how to apply. If you are not eligible, be sure to purchase temporary private health insurance, such as the Global Campus Health Plan.
If you will be outside Canada for less than 6 months, you have the option to keep or cancel MSP.
If you will be outside of Canada for more than 6 months in a calendar year, contact MSP by phone to confirm your eligibility. You might need to cancel your MSP coverage, or you might be given the option to keep MSP.
If you’re eligible and you decide to keep MSP, you do not have to reapply or have a 3-month waiting period when you return.
If you cancel MSP, you have to reapply when you return to BC and get temporary private health insurance such as the Global Campus Health Plan before you return to Canada to cover you during the MSP 3-month waiting period.
Ensure you have sufficient health insurance outside of Canada. If you are enrolled in the AMS/GSS Health and Dental Plan, you must have basic insurance, such as MSP, to be eligible for travel coverage, and you cannot be covered in your country of origin.
If you aren’t sure whether or not you are eligible for coverage, you must call MSP to confirm, particularly if you have been outside of BC for more than 6 months in a calendar year.
If you must re-apply for MSP and go through the 3-month waiting period for MSP again, be sure to obtain temporary private health insurance, such as the Global Campus Health Plan, to cover you until you are covered under MSP.
Enrolling your family
If your family members plan to reside in BC for 6 months or more, they may also be eligible for MSP.
If your family members arrive in BC with you within the same calendar month, you can all apply for MSP at the same time.
If your family members arrive in BC at a later date (outside of the same calendar month), use the MSP Account Change form to add them to your existing MSP.
Remember to include photocopies of every family members’ Canadian status document (such as a study permit, visitor record, or work permit) valid for 6 months or more in the application. Some visitors will only have an entry stamp in their passports; use this as their status document.
Also remember that your family members will need to go through the 3-month waiting period and should purchase a temporary private health insurance, such as the iMED (if you are still covered), the Global Campus Health Plan, or you should contact David Cummings Insurance Services (DCIS) for information about “non-student” medical insurance plan options.
If your child is born in BC, you can add them to your MSP.
Learn more about adding or removing dependents.
If you have questions
To confirm your eligibility and coverage, contact MSP.
For all other questions related to international health insurance, connect with International Student Advising.
International Student Guide
Find everything you need to know about life as an international student at UBC’s Vancouver campus.