Group Benefits Plans for Small Business
Health, dental, life and optional disability coverage for teams of 3 employees or more. See the plans below and request a quote.
- 3 employee minimum
- Dependants eligible
- Pay direct drug card
- Online claims
- No HST (Ontario applies 8% retail sales tax to group premiums)
Packages
Our Group Benefits Plans
Three plans to choose from. A licensed advisor can adjust any plan around your team and budget.
Plan 1
$750 dental
$250 paramedical per practitioner
$2,000 prescription drugs a year
$25,000 life insurance
Request a quotePlan 2
$1,000 dental
$350 paramedical per practitioner
$3,000 prescription drugs a year
$50,000 life insurance
Request a quotePlan 3
$1,500 dental
$500 paramedical per practitioner
$5,000 prescription drugs a year
$100,000 life insurance
Request a quote| Coverage | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Dental, basic | $750 a year, 80% | $1,000 a year, 80% | $1,500 a year, 80% |
| Paramedical (physio, chiro, massage and more) | $250 per practitioner, 80% | $350 per practitioner, 80% | $500 per practitioner, 80% |
| Prescription drugs | $2,000 a year, 70% | $3,000 a year, 80% | $5,000 a year, 80% |
| Pay direct drug card | Included | Included | Included |
| Vision, every 24 months | $200 | $300 | $400 |
| Eye exam | Included | Included | Included |
| Life insurance | $25,000 | $50,000 | $100,000 |
| Accidental death & dismemberment | Equal to life | Equal to life | Equal to life |
| Extended health | 70% | 80% | 80% |
| Hospital | Semi-private | Semi-private | Semi-private |
| Out-of-country emergency | 60 days | 60 days | 60 days |
| Medical second opinion | Included | Included | Included |
| Dental recalls | Every 6 months | Every 6 months | Every 6 months |
A summary for information only. Your quote and the insurer's policy set the final terms. See the full plan details.
Options
Add to Your Plan
Short-term disability
A share of salary while an employee recovers from illness or injury.
Long-term disability
Income protection for longer absences.
Critical illness
A lump sum on diagnosis of a covered condition.
Employee assistance
Counselling support for employees and their families.
Get started
Request a Group Benefits Quote
Choose your plan design, tell us about your team, and a licensed advisor prepares your quote. There is a $0 advisor fee.
Got Questions?
Group Benefits FAQs
How many employees do I need for group benefits?
Group benefits through EGE Insurance need at least 3 employees.
How much do group benefits cost?
It depends on your team, the plan and the options you choose. Request a quote and a licensed advisor prepares your price.
Can I change what is in a plan?
Yes. Plans 1, 2 and 3 are starting points, and an advisor can adjust the plan around your team and budget.
Can contractors join the plan?
Employees generally must be permanent and working minimum weekly hours. Contractors usually cannot join.
Do I pay HST on group premiums?
No HST is charged. Ontario applies 8% retail sales tax to group premiums.
More for Employers
Read our guide to group benefits for small business, and what happens to benefits when an employee leaves.