Are you Eligible?
All residents of B.C. must enroll with the Medical Services Plan.
In order to enroll in the Medical Services Plan (MSP), you must meet certain eligibility criteria. These criteria fall under four categories: residents, dependents, First Nations residents, and other individuals in B.C. Learn about these criteria to determine if you are eligible.
An individual must be a resident of B.C. in order to qualify for medical coverage under MSP. A resident is a person who meets all of the following conditions:
- must be a citizen of Canada or be lawfully admitted to Canada for permanent residence;
- must make his or her home in B.C.; and
- must be physically present in B.C. at least six months in a calendar year, or a shorter prescribed period.*
*Note: Effective January 1, 2013, eligible B.C. residents (citizens of Canada or persons who are lawfully admitted to Canada for permanent residence) who are outside B.C. for vacation purposes only, are allowed a total absence of up to seven months in a calendar year.
Dependents of MSP beneficiaries are also eligible for coverage if they are residents of B.C. Dependents include a spouse, children and dependent post-secondary students who are residents of B.C. using the conditions as set out above.
- Spouse: a resident of B.C. who is married to or is living and cohabiting in a marriage-like relationship with the applicant, and may be of the same gender as the applicant.
- Child: a resident of B.C. who:
- is a child of a beneficiary or a person in respect of whom the beneficiary stands in place of a parent,
- who is a minor,
- does not have a spouse, and
- is supported by the beneficiary.
- Dependent post-secondary student: a resident of B.C. who is:
- older than 18 and younger than 25 years of age,
- in full-time attendance at a recognized post-secondary institution, and
- supported by a beneficiary who is the person’s parent or who stands in place of the person’s parent.
A dependent post-secondary student may include a student enrolled in full-time studies at a trade school, technical school or high school.
A spouse or child of an eligible B.C. resident may also be deemed a resident provided that an application for permanent residence status has been accepted for processing by Citizenship and Immigration Canada (CIC), and the application remains active. For more information, see Covering a Spouse or Child who is an Applicant for Permanent Resident Status in Canada (PDF, 274KB).
Learn more about covering a spouse or child who is an applicant for permanent resident status in Canada.
First Nations Residents
Basic Medical Coverage
As of July 2, 2013, the First Nations Health Authority (FNHA) enrols and administers MSP under the B.C. First Nations Tripartite Framework Agreement on First Nation Health Governance (PDF, 1MB).
Eligibility extends to include all Status Indians who are residents of B.C. (excluding persons who receive health benefits by way of a First Nations organization pursuant to self-government agreements with Canada). Eligible B.C. First Nations currently receiving health benefits through Health Canada’s Non-Insured Health Benefits program living in B.C. should already be enrolled. First Nations clients that have their MSP premiums paid by their employer, or through another source, are encouraged to contact the Regional office (1 800 317-7878) to ensure they are on or added to the FNHA Eligibility List.
If you have a non-status family member who needs to obtain coverage, contact Health Insurance BC directly.
Basic Medical Coverage
First Nations Health Benefits
Effective October 1, 2013, the FNHA will provide Health Benefits (formerly Non-Insured Health Benefits) to eligible B.C. First Nations. For more information please contact:
First Nations Health Authority
Health Benefits Department
Vancouver and Lower Mainland: 604 666-3331
Other areas of B.C. (toll free): 1 800 317-7878
Other Individuals in B.C.
Certain other individuals, such as some holders of study and/or work permits, or working permits on working holiday programs — which are issued under the federal Immigration and Refugee Protection Act and are valid for a period of six or more months — may be deemed residents. Tourists or visitors to B.C. do not qualify.
Learn more about working holiday program eligibility requirements.