Traditional Insurance Plans

Best for groups of 3 to many Group Insurance

Traditional group insurance plans have been part of the Victoria workplace for decades. Any medical expenses incurred by an employee are submitted to an insurance company, and you are reimbursed according to your plan design.

Traditional insurance plans are by far the most popular method of providing employee benefit plans in Victoria and across Canada. Premiums are guaranteed for a year at a time, and all costs are paid by the insurance company. Traditional insurance plans offer a high level of service, security and flexibility. However, insurance costs are higher than those of a Health and Welfare Trust or Hybrid plan.

Benefits include, but are not limited to:

Employee Life Insurance
Dependent Life Insurance
Accidental Death and Dismemberment Insurance (AD&D)
Short Term Disability (WI)
Long Term Disability (LTD)
Extended Health Care (EHC)
Prescription Drugs
Dental Care
Critical Illness Insurance
Employee Assistance Plans (EAP)

There are many insurance carriers across Canada providing different benefits and levels of service. HMR Employee Benefits Ltd. is a full service insurance broker and we are licensed to work with all of the top insurance providers across the country.

+ Standard Group Insurance Plan designs (pdf)

To receive a free, no obligation quote please see our “Request a Quote” page. Or call us now: 1-888-592-4614