Group Insurance for Canadian Businesses
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Extended Health Benefits Comparison
Benefit

Silver

Gold

Platinum

Prescription Drugs
70% of lowest-cost-alternative up to $1,000 formulary & non-formulary drugs Includes vaccines / immunizations
80% of lowest-cost-alternative up to $3,000 formulary & non-formulary drugs Includes vaccines / immunizations
100% of lowest-cost-alternative up to $6,000 formulary & non-formulary drugs Includes vaccines / immunizations

Eye Exams, Glasses, Contact Lenses & Surgery
$60 per 2 years (eye exams only)
$150 per 2 years
$300 per 2 years

Health Practitioners (includes acupuncture, massage therapist, chiropractor, physiotherapist, naturopath,
chiropodist, podiatrist and speech therapist)
$250 combined
$350 combined
$400 per specialist per year

Counselling Services (includes clinical psychologists, clinical counsellors, registered social workers and psychotherapists)
$250 combined
$350 combined
$400 combined

Hearing Aids
$500 per 5 years
$500 per 3 years

Diabetic Supplies & Equipment
$300
$300
$500

Oxygen Equipment
$500
$500
$500

Blood Pressure Monitor
1 per policy per 5 years

Custom Made Foot Orthotics
1 pair per 5 years (adult) 1 pair per year (children under 16)
1 pair per 5 years (adult) 1 pair per year (children under 16)
1 pair per 5 years (adult) 1 pair per year (children under 16)

Therapeutic Shoes
$50,000 lifetime
$50,000 lifetime

Ostomy Supplies
$300
$300
$300

Out-of-Province Referral (within Canada)
Up to $5,000
Up to $5,000

Ambulance
$1,500
Unlimited
Unlimited

Air Ambulance
Unlimited
Unlimited
Unlimited

Casts & Crutches
Unlimited
Unlimited
Unlimited

Preferred Hospital Rooms
Unlimited
Unlimited
Unlimited

Private Duty Nursing
$2,500
$2,500
$5,000

Accidental Injury to Natural Teeth
$2,000 per injury
$2,000 per injury
$2,000 per injury

Wheelchairs, Motorized Scooters & Hospital Beds
$500 per policy per 5 years
$500 per policy per 5 years
$500 per policy per 5 years

Artificial Limbs, Eyes, & Larynx
$10,000 lifetime
$10,000 lifetime
$10,000 lifetime

Patient Walkers
$200 per policy per 3 years
$200 per policy per 3 years
$200 per policy per 3 years

Breast Prosthesis
1 if lateral/2 if bilateral per 2 years
1 if lateral/2 if bilateral per 2 years
1 if lateral/2 if bilateral per 2 years

Health Supplies & Equipment (wigs, splints, compressors, braces with metal parts, trusses, rib belts, sacroiliac corsets, embolic stockings, aero chambers and more)
$500 combined
$500 combined
$500 combined

Care Network (Employee and Family Assistance Program)
Virtual doctors, 5 hours counselling, 5 hours couples’ counselling, online cognitive behavioural therapy.
Virtual doctors, 5 hours counselling, 5 hours couples’ counselling, online cognitive behavioural therapy.
Virtual doctors, 5 hours counselling, 5 hours couples’ counselling, online cognitive behavioural therapy.

Survivor Benefit (coverage for eligible dependents after plan member’s death)
12 months
12 months
12 months

Travel: 90 days (unlimited number of trips)
$5 million per person lifetime
$5 million per person lifetime
$5 million per person lifetime

Extended Dental Benefits Comparison
Benefit

Silver

Gold

Platinum

Basic Services • examinations and x-rays
• cleaning and fluoride treatments
• routine extractions and fillings
• root canals
• denture repair
• periodontal treatment
• surgical procedures performed by dentist, including anaesthetics
80%
100%
100%

Major Services • bridges, jackets and crowns
• full/partial dentures
• gold inlays and onlays, including veneers
50%
80%

Orthodontic Services (for Dependents under 18 yrs of age) • diagnosis and treatment for the correction of malocclusion or malposed teeth
50% ($1,500 lifetime maximum)

Group Insurance Benefits:
Group Insurance is a supplemental health coverage plan that provides benefits not typically included in provincial healthcare programs in Canada. This includes dental care, prescription medications, physical therapy, ambulance services, and other extended health services.

Group plans are generally more affordable than individual health insurance policies, making them a cost-effective way for businesses to offer valuable benefits to their employees.

At Arbetov Insurance, we’re committed to helping you find the right group benefits plan for your business. We’ll work closely with you to create a package that aligns with your budget while supporting the well-being of your employees.

What is Group Insurance for Business?

As a dedicated business owner, you always keep an eye out for variety of things and make strategic decisions to make you stand out from the market competition. However, in today’s fast-paced business environment, we may forget how important it is to take care of people who contribute to financial growth of your company, your employees.

With a simple, yet, comprehensive group insurance policy for small business you are demonstrating that you are interested in your employees’ wellness, security, and future! Also, your company will gain a competitive edge by keeping your workers loyal to the company!

Healthcare and dental benefits are a vital component of any group benefits plan. It help your employees pay for professional services that are not covered by their provincial insurance policies.

Why Group Medical Insurance is important?

Group Plan Benefits Solutions for Small Business is a fantastic opportunity to provide affordable health care benefits to your workers without having to break the bank. Whether your business is just starting out or you just like to keep things simple and affordable, we offer you a great selection of options ranging from basic plans to specialty products.

Coverage Highlights:

-Attracts and retains employees
-Increases productivity
-Enhance your business image
-Premiums are tax deductible

Our company is proud to offer you group insurance products that you have the flexibility to customize based on your own needs! You can choose to include extended health care benefits along with dental care benefits, disability coverage, critical illness insurance, accidental death and dismemberment benefits as well as life insurance among other available addons.

The best thing about getting a flexible insurance as a business owner is that your benefits package will be tailored around the specific needs of your company.

Who Needs Private Health Insurance for Canadians?

Every client is valuable for us. Even small organizations with 3 to 49 employees can benefit from the specially designed Small Business Group Benefit package – a comprehensive option that can sustain and develop your business success. The package will reduce costs in comparison with individual insurance plans; in addition, your premium may be tax-deductible as a business expense.

Small Business Group Benefit package options:

For organizations with 3 to 49 plan members, the package will include:

– Accidental Death and Dismemberment coverage
– Life Insurance for employees

And at least one of the following:

– Short-term disability
– Long-term disability
– Extended Healthcare
– Dental care

Secure your employees today by providing them with financial security and increase their morale, productivity and loyalty to your company!

Important Group Health Insurance Highlights
If you are shopping for an affordable group insurance coverage plan for your
business follow these 4 steps and apply for an insurance plan suitable for your needs right away!
Get a Quote
Please use our free online insurance quotes calculator above to get a
personal quote based on the number of your employees and explore different coverage options
we have!

Feel free to contact our Insurance Advisors in case you have any questions about different
plan options.

Apply
Once you’ve reviewed coverage options and spoke with our advisors, you
can fill out an application form by clicking on “Apply” button right next to the quote
you’ve selected.

Once we receive your application, we will contact you once it is approved.

How to Make a Claim
In order to make a claim you simply need to fill out an online Claim
Form. Once it is submitted, claims department will review it and settle payment with your
medical services provider.

You can use the following link to access the claim form – Claim Form Submission

Coverage Addons:
Want more coverage? There is the option to add life and disability
benefits for groups of five or more.
Please send us the request with your name, company name, phone number and email.

We can also improve you health and dental benefits for free by opening the Health and
Welfare Trust for your corporation.
The cost is $200 for the corporation.

Group Insurance Benefits:
Please note that availability of insured services and benefit limits will vary
depending on the insurance plan of your choice as well as your province of residence.
Some of Group Insurance Benefits include:
 
– Comprehensive Healthcare Plans
– Prescription Drug Coverage
– Vision care & Dental care
– Insurance and Services for Serious Illnesses
– Travel Medical Coverage
– Optional Life and Disability Insurance
– Ground and Air Ambulance
– Private Duty Nursing Care
– Repair of Accidental Dental Damage
– Preferred Hospital Rooms

For a complete list of beenfits please contact our Insurance Advisors.

Frequently Asked Questions
Have a query about Group Insurance? Here is a list of our FAQ’s; click the
question to see the answer

Q: How do I submit a claim with group insurance
plan?
A: In order for your employees to use their coverage, they
can create an online profile with an insurance provider and submit claims online
directly.

Q: Is it possible to get a custom group
insurance plan with different health and dental coverage levels?
A: Yes it absolutely is possible! You are able to
combine different healthcare packages with multiple dental care options in order to create a
plan that would suite each and everyone of your employees!

Q: Do all of the employees have to enroll in a
group plan?
A: No, it is not necessary. In case some of your
workers already have insurance coverage from their spouse, for example, then they can opt
out from a plan at their own work place.

Q: What is the number of employees required in
order to qualify for a this group insurance plan?
A: With a standard group insurance coverage plan,
you can enroll as long as your business employs at least 3 people and up to 49. However, in
case your company has 11 or more people, then a custom insurance plan would be best.

Feel free to contact us in order to get a quote or discuss your coverage options!

Q: Is there any assistance benefits for insured
employees?
A: Yes! Employee Family Assistance Program is
included in stock group plans by default. Even if you opt for a custom plan you can add EFAP
to your package when you apply.

Such assistance program offers information resources, access to counselling promoting mental
and physical health as well as life coaching!

Q: Is Group Insurance tax deductible?
A: It is a fairly complex question. When it comes
to employees, disability insurance and personal health insurance coverage premiums that are
paid by employer are not taxable, while critical-illness insurance premiums are a taxable
expense. As an employer, however, you can deduct paid group insurance premiums as long as it
is a reasonable business expense.

Have a question about Group Insurance?

Testimonials

4.8
Based on 74 reviews
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Berk Durmusoglu
03:52 20 Sep 25
Nick and Lea were both very professional and helpful throughout the entire medical travel insurance process. Everything was explained clearly and handled smoothly. Highly recommend Arbetov Insurance.
BorSos
16:03 27 May 25
Excellent service, affordable prices, fast and easy.
Greg M
00:18 27 May 25
Every time I visit Canada, I always purchase my medical insurance through Arbetov Insurance. In the past, I received excellent help from their staff — Anna and Nick were especially supportive and knowledgeable. Now, I simply use their online calculator to buy my policy quickly and easily. It's very convenient and user-friendly. I feel confident knowing that if I ever have any issues, Arbetov's team will be there to assist me. Highly recommended!
Dave B
18:42 30 Apr 25
My wife and I were in the process of moving from the United States to Canada. My wife's health insurance coverage from work (in Washington State) expired at the end of the month in which she retired. Health insurance in Canada was not obtainable through the province of Alberta until after 3 months of residency. We needed 1 month of US coverage and 3 months of Canadian coverage. Lea was incredibly helpful in finding effective coverage for us at a very reasonable cost. She was quick to provide guidance and a variety of potential solutions. You'd be hard pressed to find a more service oriented and customer focused employee than Lea. She is awesome!
Gurwinder Brar
17:37 30 Apr 25
I’ve been getting insurance with Lea for many years and she's always been amazing. Super helpful, easy to work with, and always find me great coverage. They really go the extra mile every time. Highly recommend!
Jo Anne
22:41 22 Apr 25
Have purchased several travel insurance with Lea and we cant thank her enough for her help! She is always so kind, patient, and she explained all the necessary details of the policy. Thank you, Lea! We will always use you for our insurance needs.
Tatyana
21:04 21 Apr 25
I had a fantastic experience with Arbetov Insurance! They helped me find the perfect travel insurance plan that fit both my needs and my budget. The prices were very competitive compared to others I looked at, and I felt like I was getting great value for my money. On top of that, the customer service was top-notch — friendly, responsive, and genuinely helpful throughout the whole process. Highly recommend it!
DrT K
17:17 16 Apr 25
Mel Hampshire
11:10 21 Dec 24
Lea was amazing!
I can’t recommend Arbetov enough - Even using on-line messaging over different time zones, my customer service experience was excellent.
If you’re looking for a really good service and unbeatable rates for IEC health insurance - these are the guys to use!
Thank you Lea for all your help x
Penelope Flute
18:21 26 Nov 24
Very responsive, very knowledgeable and Lea made the whole process incredibly easy and answered all my questions professionally and politely with lots of patience! Great service, thank you!
Oliver Bal-ot
22:05 04 Nov 24
Leah a representative for Arbetov Insurance & Wealth Management Inc is an exceptional person. We Thank you very much for your time and effort. I’ll be honest. You were the only person out of all the insurance agents/brokers that I dealt with, that did all that leg work for my wife, her mother(insured) and her family. You take pride and integrity into your work and it shows. We can’t thank you enough. My family has peace of mind going forward. Now our Mother/Sister/Grandmother now has her Visitors to Canada insurance with her Super Visa. We forward in working with you again in the future, now her visit with will be great! We thank you again!
K. Ay (Sara)
19:01 04 Oct 24
They have the best deals, very responsive staff. It only takes a minute, highly recommend especially for Super Visa applications! No fuss!
Jap Bondoc
19:11 27 Sep 24
Great insurance provider! Leah is amazing!
malek javedaltaf
16:43 09 May 24
Best option for visit visa holder. Really great team, very supportive and responsive. Will recommend Arbetov as first option.
babatunde odubanjo
14:26 06 May 24
Excellent customer service, considerate and passionate insurance provider in resolving your issues and ensuring every party is happy in providing services.
Salman
21:55 23 Apr 24
Excellent service from Lea.
Dhananjaya Neelkant
20:01 09 Apr 24
Excellent customer service! Thanks Lea.
James Ensor
23:33 18 Mar 24
Fahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Our Rating
Based on 74 reviews

Still not sure what’s in it for you?
Why not give it a try and see for yourself. Let us help you find the right insurance
protection that matches your individual needs!

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