Your provincial health plans give basic coverage, such as family doctor’s expenses or trips to the emergency room. However, personal Health Insurance is more comprehensive and can help cover costs that the government plan doesn’t. It can help cover hospital accommodations, emergency ambulance services, and health practitioners like massage therapy for example.

Applicants and dependent(s) must be permanent Saskatchewan residents with valid provincial health coverage.

If you decide to leave your employer or know your workplace benefits are about to end, you can purchase a Conversion Plan to avoid interruption of coverage. However, you must apply within 60 days of leaving your workplace plan so your health, prescription drugs, dental, and travel benefits can continue uninterrupted. Apply after the 60 mark, and you will be required to complete a medical questionnaire.

Every business, regardless of size, should have a Group Benefits plan. We proudly work with various insurance carriers, allowing us to custom-build a plan that perfectly fits your needs and budget. Help reduce financial stress if something happens to protect your employees and their family’s health. It can be less expensive than providing salary increases as there are no additional CPP, EI or Workers’ Compensation rate increases.

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With Health Spending Accounts, you can reduce expenses across the board. From actuarial calculations to administrative tasks and marketing efforts, HSAs help you save more on healthcare costs. This plan allows the employer to manage their health benefits “spend risk” by defining the annual allowance and removing the risk of annual claims experience-based renewals.

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Harvard Western Insurance proudly offers members PPOC (Professional Photographers of Canada) a group health and dental benefits plan. The base plan includes coverage for prescription drugs, dental care, disability programs, critical illness, accident insurance and life insurance.

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