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The 2017 RTIP renewal is January 1, 2017. Please submit your coverage changes to OTIP in writing by January 31, 2017.

  Already a member?

Our self-service tools make it easy for RTIP members to review benefits/policies, make a claim, find a form or ask a question.

Let us help you find the plan that’s right for you


RTIP Gold 750

  • $750 prescription drug coverage 80% reimbursement
  • vision care $250/person every 2 years 100% reimbursement
  • Monthly premium:
    Single: $76.29
    Couple: $145.34
    Family: $175.58

RTIP Gold 2500

  • $2,500 prescription drug coverage; 80% reimbursement
  • vision care $250/person every 2 years; 100% reimbursement
  • unlimited semi-private hospital accommodation; 80% coinsurance
  • Monthly premium:
    Single: $103.79
    Couple: $198.35
    Family: $241.12

RTIP Plus 4000

  • $4,000 prescription drug coverage; 85% reimbursement
  • vision care $375/person every 2 years; 80% reimbursement
  • unlimited semi-private hospital accommodation; 100% coinsurance
  • Monthly premium:
    Single: $128.39
    Couple: $252.58
    Family: $300.63

Why Choose RTIP?


Value-added benefits
All RTIP health plans include access to CAREpath Cancer Assistance Program, Express Scripts Canada Pharmacy, Edvantage and The Seniors’ Care Assistance Program provided by Bayshore HealthCare.


Deluxe travel insurance always included
Every RTIP health plan provides coverage for trips up to 95 consecutive days per trip. LEARN MORE.


Fast, easy claims processing
Submit your claims online and your reimbursement will be deposited directly into your bank account.


  • No age restrictions and no membership fees.
  • Three health care plans to choose from, with three different prescription drug maximums.
  • Paramedical services – 80% reimbursement of eligible charges up to a combined maximum of $1,250 per person per calendar year.
  • Freedom to increase or decrease your coverage at your next renewal.*
  • Option to add dental coverage at any time, without penalty.

* You may increase only one level at a time and decrease two levels at a time. Once you decrease your health coverage, you must wait two years before you are able to increase your coverage again.

Who is eligible?

  • All retired Ontario education employees, their families and survivors
  • No age restriction
  • No membership fees
  • You must reside in Ontario and be covered under OHIP at time of application

When is Medical Evidence Required?

When is Medical
Evidence Required?  

What retirement stage are you at? Please select one.

I’ve set my retirement date. This is the best time to apply!
I’ve recently retired.
I’m already retired and I want to switch from another plan.
I have not been covered under a group health benefits plan for the past 60 days or longer.
I am still working or semi-retired.

Medical evidence required?

  Other Useful Information

Active Retired Members

OTIP partners with the ARM (Active Retired Members) Organization of the Ontario Secondary Schools Teachers’ Federation (OSSTF).
Learn More

2017 Guide to RTIP Health Plans

Compare detailed plan benefits and premiums.

RTIP vs RTO — see the difference

Compare RTIP plans with the RTO Group Insurance Plan.

Paramedical Services

Outline of reasonable and customary limits for paramedical services.