Employee benefits that pay back

Meet the employee benefits co-operative that refunds unused premiums back to its members

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Beneplan clients holding refunds on premiums

We are a  buying group of company health insurance. Our customers are member-owners.

Refunds issued to date

$26,213,436

60 Employees
120 Employees
45 Employees
Beneplan members negotiating with big insurance companies

Together, We
Get The Lowest
Possible Rates

As a large co-operative representing 30,000+ Canadians, we band our members together to negotiate with Canada's big carriers and purchase health insurance at super competitive rates.

Learn About Us

Together, We Get The Lowest Possible Rates

As a large co-operative representing 30,000+ Canadians, we band our members to negotiate with Canada's big carriers and purchase health insurance at super competitive rates

Learn About Us

OUR PARTNERS

the co-operators logogreenshield logomaple telemedicine logo

You're Entitled To Refunds

If your claims + fees are lower than your premiums, that money belongs to you, not your insurance company. If by chance your claims are higher than your premiums, the deficit is covered and forgiven by the co-operative.

Refunds on employee benefitsSee How Refunds Work

Testimonial

Testimonial

Not only are Beneplan's rates unmatched, we have also received annual premium refunds allowing us to offer a great benefit package to our employees at an affordable rate.

Josie Perino

HR Director, Central Station Toronto

Services

Group Benefits Designed For Modern Business

Dental & Vision Benefits

Dental & Vision

Paramedical

Prescription Drugs

Health Spending
&Wellness Accounts

Short &
Long Term Disability

Group Life
Insurance

Learn About Group Benefits
Young man sitting in chair

Perks

Our Benefits Come With Benefits

As a member of the co-operative, you get free perks and access to services at heavily discounted rates thanks to our large buying power.

  • Maple Telemedicine
  • HR Consultancy
  • Drug Assistance Program
See All Perks

Find an Advisor

Speak with an advisor about how to improve your employee benefits program

FREQUENTLY ASKED

Have Questions?

How is Beneplan different from other insurance carriers?

Beneplan designs, administers and negotiates health insurance plans on behalf of its members that are made up of products that other insurance carriers provide. You can think of us as the "Costco" of group benefits - our members can buy comprehensive group benefits at wholesale rates.

Can I keep my existing plan design when joining Beneplan?

Yes. Beneplan will match the same benefits your employees currently enjoy and can grandfather pooled benefits such as Life and Long Term Disability so no one loses any coverage. We work hard to ensure migration to our plan causes minimal disruption and learning curve to the employer team.

Your refund model sounds too good to be true. What's the catch?

There is no catch! At our core, we are a health benefits co-operative that believe that unused premiums belong to the client and not the insurance company.

To learn more about how our refund model works click here.

Are there membership fees to join the co-operative?

No. We do not charge any membership fees or dues to our members.

FREQUENTLY ASKED

Have Questions?

How is Beneplan different from other insurance carriers?
Can I keep my existing plan design when joining Beneplan?
Your refund model sounds too good to be true. What's the catch?
Are there membership fees to join the co-operative?

Are You An Advisor?

Our advisors are integral to our success as one of Canada's fastest growing benefits providers. We support and empower like no other.

Learn More
Beneplan advisor

Are You An Advisor?

As one of Canada's fastest-growing benefits providers, we value advisors as an essential part of our business. Join our hand picked group of trusted advisors.

Learn More

The Latest News & Ideas

Dive into our blog to get fresh insights and news within the health benefits space

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