Living Benefits
Health and Dental Insurance
For those wanting affordable health and dental benefits.
Universal healthcare in Canada
Universal healthcare in Canada protects against huge bills for necessary doctor visits, diagnostic testing, and surgery. It does not provide prescription drugs or routine dental care coverage, leaving some with unaffordable out-of-pocket expenses.
We offer plans that help support your overall wellness and health.
easy to apply
Personal Health and Dental Plan
We calculate which plan provides you with the lowest out-of-pocket cost based on an estimate of your plan usage – helping you to have the most benefit covered with this plan or other providers.
MANULIFE
FLEXCARE®
Annual / Monthly
Prescription Drugs
Vision Care
Dental
Extended Health Benefits
*Option to include Vitality
COVERAGE OPTIONS
Single
Couple
Family
MANULIFE
FOLLOW ME™
Annual / Monthly
Guaranteed Acceptance
NO Medical Questions when you
apply and make the first payment
within 90 days of losing
employer-sponsored benefits.
COVERAGE OPTIONS
Single
Couple
Family
MANULIFE ASSOCIATION
HEALTH & DENTAL
Annual / Monthly
Affordable Supplemental
health insurance that
covers the gaps not
covered by universal
health care.
COVERAGE OPTIONS
Single
Couple
Family
easy to apply
Travel Insurance Plans
Travelling is a great adventure to create experiences and memories for a lifetime. Whether it is a trip to the coast, across Canada road-trip, or travel abroad, do not risk the possibility of unnecessary financial hardship an unplanned emergency medical event can have. Stay savvy by having a plan before you go.
easy to apply
Travelling Canadians
In Canada, provincial health covers necessary hospital and medical expenses. Once you travel outside your province of residence, provincial health insurance coverage is limited, and travel insurance covers the gap. It is designed to pay for unexpected costs, diagnostic tests, companion travel costs, and more.
Not all travel insurance plans are equal. When it comes to cost, benefit claims, and ensuring you receive great care, we have narrowed our offerings to three of Canada’s top providers.
TuGo
Single / Multi Trip
TuGo, iA Financial Group’s
trusted travel insurance
provider makes a perfect
travel partner. Find
the coverage right for you.
COVERAGE OPTIONS
Single
Couple
Family
MANULIFE FINANCIAL
Single / Multi Trip
Manulife knows
Canadians need
specialized travel
insurance more
than ever before.
COVERAGE OPTIONS
Single
Couple
Family
TRAVEL SHIELD
Snowbirds
Travel Shield is a leading
supplier of comprehensive
coverage for snowbirds
with plans available for
periods up to 6 months.
COVERAGE OPTIONS
Single
Couple
Family
Visitors to Canada
Travel Shield is a leading supplier of Super Visa Insurance, Visitor’s Insurance, and International Student Insurance. If a medical emergency happens, it can put a lot of financial stress as the medical expenses can be very high. You can purchase coverage for your loved ones before them leaving their country of origin.
Lowest premiums guaranteed for similar benefits
Comprehensive coverage for hospitalization, diagnosis, hospital care, emergency drug coverage, and repatriation. Valid for up to 365 days from the date of entry to Canada. You can control the cost by choosing a low deductible to ease the financial burden an emergency would have or lower the cost of your payment by choosing a higher deductible. Monthly payment plans are also available.
Super Visa – Berkley Policies
$100,000 coverage 365 days
- Hospitalization
- Hospital Care
- Repatriation
Super Visa – Starr Policies
Choose your level of coverage
- 120-day stability for pre-existing conditions
- No coverage for any pre-existing conditions
- Early return refund option available
Super Visa – Berkley Policies
Choose your level of coverage
- Plan A
- Plan B
- Comprehensive
Super Visa – Starr Policies
Choose your level of coverage
- Standard Plan
- Enhanced Plan
- Premium Plan
Health Insurance Benefits for Business
Private Health Services Plans (PHSP)
and Health Spending Accounts (HSA)
This ‘pay-as-you-claim’ plan is a flexible employer-funded benefit plan to pay all eligible medical expenses, tax-free.
If you or your employees make no claims, there are no costs to you since this is a ‘pay-as-you-claim’ plan.
Benefits My Way
One-time set up fee of $295 +tax per company with a 10% admin fee for claims with no monthly or annual fees, no charges for adding and removing employees as your business grows. If you or your employees do not make claims, your company pays nothing.
- Enhance your plan with Exclusive Benefits
- Travel and Major Medical Insurance
- Guaranteed Issue Critical Illness Insurance
- Diagnostic and Specialist Access Insurance
Olympia Benefits
All PHSP/HSA plans are suitable for a typical family business with no arm’s length employees. If you are an incorporated consultant or contractor, then you also qualify. These plans are for a single person or owner with a spouse business.
Basic: $249 annually PHSP / HSA
Plus: $499 annually PHSP / HSA + Insurance
Deluxe: $699 annually PHSP / HSA + Insurance + Virtual Healthcare
We offer access to two of Canada’s top providers of Private Health Services Plan (PHSP)
WHAT PHSP IS BETTER FOR YOU?
Group benefits
We provide businesses with access to benefits administration solutions by offering tailored health and wellness products and services that include Health, Disability, and planning for your employee’s future.
Employee wellness & your success
Offering access to health, wellness, and retirement savings programs to your employees is a meaningful way to show how the value of their contribution to your bottom line is essential. It helps them stay healthy and engaged in supporting your day-to-day business goals. It helps attract better talent, keep them longer, and outshine your competition. Our tailored approach provides solutions that resonate with employees and provides long-term stability for your business.
Our strategic relationships allow us to consult with a team of experienced benefits professionals, and third-party administrator for group benefits, to provide leading-edge proprietary solutions and an outstanding level of service.
Depending on the size of your business, you select from the service that best suits your needs.
Consulting services for larger groups
Our consulting partners will work with you using their unique GAPP process (goals, actual results, possibilities, and priorities) in the design, implementation, and ongoing management of employee benefits.
- Technical support includes tax efficiency reviews, plan design consultation, renewal analysis, and negotiation, industry benchmarking, funding options, and experience reviews
- Flex-plan consulting, communications, administration, and ongoing management
- Comprehensive implementation services start with program installation and introduction, employee resources, and total reward statements. Strategic retirement plan design with capital accumulation plan (cap) guidelines reviews, employee education sessions and one-on-one investment support, and on-going fund manager evaluation and fund line-up reviews
Consulting services for smaller groups
Group benefits, group retirement savings, and wellness programs from top Canadian Insurers who compete for your business based on how you wish to care for your employees.
You are not alone.
These plans are tailored to help employers engage and motivate their teams – while still managing costs. Our consulting partners offer a high level of employer and employee satisfaction.
Take the next step. Ask a question and find out if we have a solution for you. With the right support, you can go further
Tailor-made advice.
Finding balance and making the right choices for financial fitness and physical well-being can be challenging. Ask how we can help.