For years, getting a quote for group medical insurance in Canada meant filling out lengthy forms, waiting days for broker follow-ups, and juggling multiple emails just to get a rough idea of what a plan might cost.
Now, with the new Group Medical Insurance Calculator from Arbetov Insurance, you can receive a personalized estimate instantly — without the back-and-forth, paperwork, or significant delays.
This innovative calculator is designed for Canadian businesses that want to explore employee health benefits quickly and transparently.
It’s a revolutionary online tool that helps employers budget effectively, compare coverage options, and make informed decisions before speaking with an advisor.
Why Group Insurance Matters
Group medical insurance isn’t just a perk — it’s a cornerstone of a competitive employment package. For small and medium-sized businesses, offering coverage can make the difference between attracting top talent and losing good employees to competitors.
When a company provides health and dental benefits, it sends a clear message: We care about your well-being and your family’s health. Employees, in turn, feel more secure and valued — which improves morale, reduces turnover, and boosts productivity.
Beyond workplace culture, group insurance also delivers strong financial value. Compared to purchasing individual insurance, group plans spread the risk across all members of the group. This typically leads to lower premiums, fewer exclusions, and better coverage levels per dollar spent.
For example, an individual might pay hundreds more annually for similar benefits on their own, whereas through a group plan, they enjoy access to the same or better care at a reduced cost — with premiums often shared between employer and employee.
The Problem: Getting a Group Quote Has Always Been Difficult
Until now, getting even a preliminary quote for group medical insurance required extensive manual data collection. Most insurers demanded detailed employee census files, health questionnaires, and broker mediation before providing any price range.
This process often discouraged smaller employers from exploring group coverage altogether. Many business owners assumed the cost was too high or the process too complicated — simply because they had no easy way to see the numbers up front.
That’s where Arbetov Insurance’s new calculator changes the game.
The Solution: Instant Estimates in Minutes
Our Group Medical Insurance Calculator gives you a fast, no-obligation estimate for employee benefits — all online, within minutes.
Here’s how it works:
- Select your province of operation
Since health systems vary by region, this ensures the most accurate cost assumptions. (Currently available for all provinces and territories except Quebec and Nunavut.) - Enter the number of your employees (and dependents)
Adjust the group size to reflect real-world pricing scenarios. - Choose your coverage level
You can select from standard or custom plan options depending on whether your team needs basic medical/dental coverage or a more comprehensive benefits package. - View your estimated group premium instantly
Within seconds, you’ll see an approximate cost breakdown, giving you a reliable idea of what to expect — before you even speak to an advisor.
This feature is especially valuable because now you can compare pricing scenarios in real time and plan your budget accordingly, whereas, traditionally, you’d wait several business days to get this information.
Why Employers Love the Calculator
The benefits go far beyond convenience:
- Instant Transparency: You see how changing coverage levels or group size affects premiums, helping you make better decisions right away.
- Smarter Budgeting: Estimate future costs and determine what level of benefits your company can sustainably offer.
- Time Savings: Skip the email exchanges and long forms. The calculator condenses hours of work into a few clicks.
- Better Conversations with Advisors: When you do reach out for a formal quote, you already know your approximate cost range and coverage preferences — saving everyone time.
- Confidence to Act: Many small business owners hesitate to offer benefits because of uncertainty. This tool removes that barrier by making costs clear and predictable.
Group Plans vs. Individual Coverage: Why It’s More Cost-Effective
Many Canadians turn to individual health or dental insurance when their employer doesn’t offer a plan. While individual coverage is better than none, it’s rarely as cost-efficient as group insurance.
That’s because group policies benefit from risk pooling: premiums are distributed across all members of the plan, reducing per-person costs and allowing insurers to offer more competitive rates. Employers can also deduct their share of the premiums as a business expense, while employees enjoy non-taxable benefits — a win-win arrangement that’s simply not possible with personal insurance.
Group coverage often includes:
– Extended health benefits (prescriptions, paramedical, medical equipment)
– Dental and vision care
– Optional Life and disability insurance
– Optional health spending accounts
By combining these elements under one plan, companies achieve economies of scale that make coverage affordable and accessible for everyone.
Why Arbetov Insurance Built This Tool
At Arbetov Insurance, we’ve helped Canadians secure affordable health and travel coverage for over a decade. We noticed that while individual and visitor insurance calculators are widely available, group insurance quoting remained a slow, opaque process.
We built the Group Medical Insurance Calculator to change that — to empower employers with instant insights, reduce guesswork, and encourage more Canadian companies to offer the protection their teams deserve.
Try It Now — Instant Quotes, No Obligations
Whether you manage a team of five or fifty, use our Group Medical Insurance Calculator to discover how affordable a benefits plan can be.
In just a few clicks, you’ll see an estimated premium, compare coverage tiers, and decide whether now is the right time to invest in your employees’ health.
Photo by Mikhail Nilov from Pexels
