Medical & Dental Insurance

Individual Health Plan

What happens if you do not have insurance through a company group plan or you want coverage that the province...

Group Insurance

Under a normal underwriting arrangement, prescription drug plans and dental care benefits can be experience rated...

Private Health Services

Using guidelines outlined by CRA (Canada Revenue Agency), PHSP is a plan that facilitates incorporated businesses...

What happens if you do not have insurance through a company group plan or you want coverage that the province does not provide? There are currently millions of Canadians that are not fully insured through a group health plan.
Under a normal underwriting arrangement, prescription drug plans and dental care benefits can be experience rated while the group life benefits are fully pooled. The benefits of life insurance and dependent life insurance are based on the age and volume distribution of the group plan.
Using guidelines outlined by CRA (Canada Revenue Agency), PHSP is a plan that facilitates incorporated businesses and unincorporated businesses with arms length employees in paying their health and dental expenses in a tax-effective and cost-efficient manner.