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Group benefits coverage

Explore our range of coverage options and see how a health spending account or wellness account can add value to your plan.

Extended healthcare

Pick and choose what you want in your group plan.

Healthcare professionals

Covers paramedical services provided by health professionals. For example:

  • Massage therapists
  • Physiotherapists
  • Psychologists

Medical equipment and supplies

Covers medical equipment and supplies when these expenses are medically necessary. For example:

  • Mobility aids (walkers, canes, wheelchairs)
  • Orthopaedic supplies (shoes, orthotics)
  • Prostheses (hearing aids, wigs)

Hospitaliza­tion

Covers hospitalization fees in various establishments. For example:

  • Hospitals
  • Palliative care establishments
  • Convalescent or rehabilitation centres

Vision care

Covers the most common vision care expenses. For example:

  • Eye exams
  • Glasses and contact lenses
  • Laser surgery

Prescription drugs

Covers the cost of prescription drugs.

Includes various options and cost-control measures.

Home care

Covers home care services to help your employees recover quickly (after an operation, for example).

Gender affirmation

Reimburses certain fees not covered by public health insurance plans for people who identify as trans or non-binary. For example:

  • Healthcare
  • Aesthetic services
  • Surgeries

Travel and trip cancellation

Covers certain expenses resulting from a medical emergency out of your province of residence. For example:

  • Emergency healthcare
  • Repatriation
  • Trip cancellation or interruption (optional)

Includes 24/7 travel assistance, anywhere in the world.

Dental care

Covers expenses for common dental treatments and procedures. For example:

  • Preventive care (checkups, cleanings)
  • Basic care (restorations, endodontics, periodontics)
  • Major restorative care (removable or fixed dentures, crowns)
  • Orthodontics

Disability

Covers a portion of an employee's income in the event of a short or long-term disability.

Includes access to the manager assistance program.

Life

Pays a tax-free lump sum to beneficiaries in the event of natural or accidental death.

Employees can top up this coverage with optional life insurance. They can also keep their coverage when they retire or leave their job.

Critical illness

Pays a benefit to employees who are diagnosed with a critical illness or have to undergo an eligible surgical procedure. This can help them focus on their recovery.

Accidental death and dismember­ment

Pays a benefit in the event of accidental death, dismemberment or loss of sight. In the case of a death, this amount is paid on top of the life insurance lump sum.

Optional

Lets plan members increase the amount of insurance they have or add benefits that aren't included in their basic plan. There are 3 types of optional benefits:

  • Life insurance
  • Critical illness insurance
  • Accidental death and dismemberment insurance

Coverage for temporary residents

Covers temporary residents or Canadians returning after an extended stay abroad.

  • Temporary healthcare insurance to replace the provincial plan

Good to know

We have a range of solutions to help you meet the needs of your business and your workforce.

Pick a group plan that works for you

Spending accounts

Health spending account (HSA)

An HSA is a great way to add flexibility to your group benefits plan. Plus, it helps plan members budget and manage their expenses.

Learn more about health spending accounts (PDF, 440 KB)

Wellness account (WA)

Every year, you add credits to the account. Your employees and their eligible dependents can use them to pay for wellness-related activities and services.

Learn more about wellness accounts (PDF, 526 KB)

Group insurance products are manufactured by Desjardins Financial Security Life Assurance Company.