The lowest cost PHSP in Canada since 2000.
Convert your personal, out-of-pocket medical and dental expenses into 100% tax-deductible business expenses with a Private Health Services Plan.
What is PHSP?
A PHSP (Private Health Services Plan) is a Canada Revenue Agency (CRA) approved plan that allows a business to pay for health care expenses of employees and their families as a deductible business expense, tax-free to the employee.
Designed specifically to provide the most economical, easy-to-manage benefits for small and medium-sized Canadian businesses.
Benefits of a PHSP
See why business owners across Canada use our plan to manage health, dental, and vision care costs.
No Monthly Premiums
Payments are made only when claims are submitted. No recurring fees, setup holds, or monthly premium commitments.
Ultimate Flexibility
Covers a wide range of medical expenses. No deductibles or restrictiveness on visit numbers or specific clinics.
100% Tax-Free Coverage
All employees are eligible. Pre-existing medical conditions do not affect eligibility or premium costs.
Employer Control
The employer sets annual funding limits for different employee classes and can adjust them as needed.
CRA Approved Coverage
Tax-free health, dental, and vision benefits for you, your dependents, and your employee teams across Canada.
Maximized Corporate Tax Write-offs
Convert personal medical payments into 100% legitimate corporate tax write-offs, reducing your business taxable income.
Fast & Secure EFT Claims
Submit claims online with bank-grade security. Claim payments are processed via fast Electronic Funds Transfer (EFT).
