Flexible Group Insurance Plans
Designed for Small Teams and Growing Companies
Comprehensive group benefits, from core health & dental coverage to extras like prescriptions and travel. Designed to help you hire the best without overspending.
Group Insurance Isn’t Just for Corporations Anymore
Every team deserves coverage, regardless of size.
Our flexible group insurance plans let you offer competitive benefits without the high minimum cost of conventional group plans. Ask a HealthQuotes Broker about group benefits for small businesses.
COVERAGE
Canadian Group Insurance Features & Coverage Summary
50% to 100% of its premiums paid for by the company
Remaining balance will be covered by employees (if any).
Extended coverage available based on job role
Coverage can vary for owners, management.etc
Basic insurance coverage
Most group plans offer coverage for dental, prescription drug and vision care costs.
Optional coverage options
Employers have the option to add coverage for life insurance, IRBS, AD&D, LTD, and more.
Solutions for Small Businesses
If you’re a small business with 5 or fewer employees that can’t afford a traditional benefits plan, we can help! A guaranteed acceptance or personal health and dental plan can save you money and keep your employees happy. Free instant quotes are available right now!
Let’s Build a Plan That Works For You
As a fellow Canadian business, we understand the needs of medium businesses are different from those of small businesses. That’s why we offer solutions specifically for you.
Discover some of our cost-effective and flexible group benefits solutions.
Frequently Asked Questions
Is the price the same for part and full-time employees?
The price is the same regardless of part-time or full-time employment status. Cost is on an employee-by-employee basis and is affected by age, province of residence and marital status (e.g. if coverage is required for a Family or Couple).
Are benefit maximums on a per employee basis?
Yes, all quoted maximums are for each enrolled employee.
What sort of medical evidence is required?
The Personal Group Insurance basic plan is guaranteed issue, on an employee-by-employee basis. As such, no employees need to answer medical questions when enrolling for coverage.
Note: There are executive upgrades available, in which case there may be medical questions and an underwriting process by the insurance company when enrolling.
How soon can my employee benefits coverage start?
Coverage usually commences on the first day of the next month, provided that payment has been received and
Note: You should never cancel an existing insurance policy until you have successfully enrolled your employees.
How do we apply?
There is one master enrolment form for the employer (which helps to enroll future employees). In addition there is one enrolment form per employee.
What payment options for group insurance are available?
Payment may be one of the following: pre-authorized chequing, by credit card, annually and semi-annually.
Which insurance companies can I purchase employee benefits from?
Manulife Financial underwrites our Personal Group Insurance plan.
Are there different plans available?
Yes, there are. The quoted plan is the Basic plan, which is guaranteed acceptance. There is also an executive upgrade, wherein there may be medical questions on an executive-by-executive basis.
Should I get a plan that comes with life and disability benefits?
The Personal Group Insurance plan can be augmented with affordable term life insurance and monthly indemnity insurance (a type of disability insurance). If you want life and DI coverage, please call us at 1-800-474-4474.