Table of Contents:
- About This Insurance
- Simple Assessment Form
- Employees Information Spreadsheet
- Benefits
- Conditions
- Coverage
- Premium Rate
- Real-Case Examples
- FAQ
About This Insurance
Group insurance provides comprehensive and affordable benefits for businesses of all sizes—from small startups to large enterprises. These plans include coverage for health, dental, life, disability, and wellness programs that support employee health and improve workforce retention.
Why recommend group benefits?
Group benefits programs are an excellent way for you to serve the needs of your Employee.
Group insurance plans provide affordable and comprehensive coverage for small, medium, and large businesses. These plans typically include health, dental, life, disability, and wellness benefits, helping to protect employees’ well-being and boost overall satisfaction. With this type of insurance, any organization (company, workshop, or factory) can insure its employees and their families against 24/7 occupational and non-occupational accidents or personal risks—offering them peace of mind.
To implement group insurance in your organization, the following steps are carried out by the insurance provider:
- Assessment of your company’s size and needs
- Proposal of tailored plans from reputable insurance companies
- Simple enrollment process and support with issuing insurance cards
- Ongoing assistance with claims and customer service
- Annual review and optimization of plans
Important note: Group insurance coverage is generally valid until the employee reaches age 65. Additionally, if the employee loses their job, the group insurance will no longer be valid. But there’s no need to worry! If you complete the Replacement Group Insurance Application within 90 days of losing your group coverage for any reason, you can still be insured—even with a pre-existing condition.
Simple Assessment Form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Employees Information Spreadsheet
Benefits
For Employers:
- An effective incentive for attracting and retaining talent
- Cost savings compared to individual insurance plans
- Tax advantages and enhanced employer branding
- Simplified administration and easy employee enrollment
- Reduced absenteeism and increased productivity
For Employees:
- Access to life and accident insurance as part of the group plan
- Financial support during illness or disability
- Peace of mind through comprehensive health coverage
- Access to wellness and preventive care programs
- No need for medical exams
Conditions
All full-time employees, or those working at least 20 hours per week or 45 weeks per year, may qualify for group insurance coverage. The organization must have at least two employees. If your company has only one employee, please click here.
In a group insurance plan, typically all employees of the organization are covered based on their employment status and salary. The coverage includes death, partial or total permanent disability, or loss of ability to work, with compensation paid to the employee or their family.
Coverage
Group health insurance can cover employees and their families, including spouses and dependent children—up to age 21, or up to age 25 if they are full-time students. This insurance includes the following benefits:
- Hearing aids
- Prescription drugs
- Psychologist
- Physiotherapy
- Massage therapy
- Chiropractor
- Acupuncture
- Optometrist
- Diet therapy
- Medical equipment
- Private nursing care
- Dental accidents
- Orthopedic shoes and orthotic insoles
- Speech therapy specialists
- Ground and air ambulance
- Glasses, contact lenses, and frames
- Social worker, naturopathic therapy
- 24/7 online health services
- Fertility and contraceptive medications
- Dental care with various levels of coverage: check-ups, preventive, basic, and major
- Built-in travel insurance coverage of up to $10 million for a maximum of 60 days per year, both within and outside of Canada
If you’re concerned about expenses such as orthodontics, LASIK, or dental implants that are not covered by your group medical insurance, our recommendation is to have a Health Spending Account (HSA) alongside your group plan. Click here for more information.
Types of Group Coverage
| Coverage Type | Key Features & Benefits |
| Basic Health & Dental | Doctor visits, diagnostics, dental exams, cleanings, fillings |
| Extended Health Benefits | Prescription drugs, physiotherapy, massage therapy, vision care, orthotics |
| Life & Accidental Death Insurance | Lump-sum payment (1x to 5x annual salary) to beneficiaries in case of death |
| Disability Insurance | Short-term and long-term income replacement during injury or illness |
| Critical Illness Insurance | One-time payment upon diagnosis of serious illnesses like cancer or stroke |
| Employee Assistance Program (EAP) | Confidential counseling and support for mental health, financial, and legal issues |
| Wellness & Preventative Benefits | Gym membership subsidies, wellness incentives, digital health tools |
Premium Rate
The number of employees is the most important factor in determining the cost of group insurance premiums. Another key factor is the type of occupation. For example, the cost of this insurance varies for office workers, farmers, drivers, construction workers, pilots, and firefighters due to the different levels of occupational risk.
Real-Case Example
A Toronto-based tech company with 20 staff members implemented a group health, dental, and EAP plan. Within 6 months, they reported a 25% drop in sick days and improved morale across the company.
FAQ
Who Can Apply for Valid Supplementary Health Insurance in Canada?
In Canada, supplementary health insurance is not universally available, and the coverage varies from person to person. Individuals who can typically apply for valid supplementary health insurance generally fall into one of the following categories:
- Individuals with Provincial Health Insurance: Supplementary health insurance is usually offered as an additional option for those who already have basic provincial health coverage. These individuals can choose add-on benefits to enhance their medical coverage through a supplementary insurance plan.
- Employers and Work Groups: Some employers and professional groups may offer supplementary health insurance to their members. These types of insurance are usually provided on a group basis within a company or organization, and insurance providers may offer discounts and special coverage options.
New immigrants to Canada may also require supplementary health insurance, but they typically need to first obtain provincial health insurance. For more detailed information and to choose the best supplementary health insurance option, we recommend contacting us. We’ll assess your personal and financial needs to help you select the most suitable plan.
With over 20 years of experience in designing group insurance plans, Rahimian Insurance collaborates with leading Canadian insurance providers to deliver the best group benefits package for your team. We offer bilingual support (Farsi and English) and tailored solutions to meet the unique needs of your business.
