Assurance Collective – Do not hesitate to do business with an insurance company / broker who specializes in group insurance. Because group plans are a specialized area of insurance, an expert will help you find the best rates and coverage for your group insurance plan.
In Quebec, the Régie de l’assurance santé du Québec (RAMQ) provides basic drug insurance for residents.
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If there is no shared private plan to join, the person must obtain insurance from the Quebec public plan.
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Group insurance is a cheaper alternative to RAMQ insurance and aims to offer its members a comprehensive protection plan at an attractive price.
While RAMQ only covers the cost of medicine, group insurance provides more comprehensive coverage, including drug coverage, life insurance, disability coverage, ambulance coverage, dental coverage and medical coverage. The view and more!
This is a very affordable plan, so employees are now looking for employers who offer such plans, but only at the expense of the employee.
It is an undeniable social benefit that allows employers to attract employees and retain existing employees.
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How does group insurance coverage and pricing differ from RAMQ? Are your employees really making more money with group insurance? The answer is yes!
The following table explains the differences between group insurance and RAMQ in Quebec.
There are many insurance companies in Canada that specialize in providing group insurance products for businesses.
This is a very competitive niche where prices vary greatly from year to year and it pays to shop around with your provider to get the best group insurance at the best price for your business.
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By filling out our free form, the group insurance broker for our partner companies can compare the best offers on the market and find you an insurance company that will give you the best price for the best security plan.
How do insurance companies calculate insurance premiums for members and companies?
In fact, our partner broker explains that with group insurance, the cost of the plan is affected by many factors, which are divided into two, namely the combined guarantee and those related to the experience.
The following chart shows the differences and overall performance based on the type of care or service covered.
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For general insurance, prices are calculated and influenced by industry-specific demographic factors, namely:
For experience-related insurance, the price is calculated based on income and premiums are set for future years based on:
Business Owners: Is an aging population and rising health care costs affecting your business’s insurance costs?
Before you reconsider whether to offer group insurance protection to your employees, it’s good to know that you may want to reconsider the type of group plan you offer. Here are some options:
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An Individual Group Plan protects you as a group policyholder from inflation in the cost of medical services, as the cost of medicines is payable to RAMQ if covered by insurance company/player. other expenses: dental care, insurance, hospital, etc.
Group insurance plans, like health benefits, are quite flexible. This includes all protection (eyeglasses, dental care, professional care), but up to the maximum amount specified in the contract for each employee.
Group plans with third-party administrators are offered and managed by insurers/agents who specialize in group insurance from a private company.
Under a self-insured group plan, your company provides dental and medical care for employees. As a result, the amount paid to the insurance company is partially reduced.
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Group plans are most popular in professional organizations or chambers of commerce. An insurer/group insurance player can negotiate lower premiums based on multiple members registered with the same insurance company.
The best group insurance is the one that fits the needs of your business and your employees, regardless of number.
Your insurer/group insurance company will preferably work with you or your group insurance project manager to determine the group plan that is right for you. Together, you will analyze your business and determine a group insurance plan and coverage that will satisfy all parties involved.
They can also introduce you to flexible group insurance programs that include different (modular) plans for your employees to choose from.
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Some insurance companies offer special protection programs (cargo or trip cancellation) as well as packages (annual travel, extended stay, long-distance travel protection, etc.) for employees working abroad, for example.
To get expert advice on group insurance plans, simply fill out the free online quote request form on this page.
Quickly get in touch with the best insurance carrier/insurance group in your area. The latter will introduce you to the various group insurances that best suit your company’s profile and help you study the offers on the market.
In the case of surgery or serious illness, first check the list of diseases or services covered by this insurance.
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This solution provides additional money due to the death of one or more limbs after an accident.
If you need to hire foreign workers for a certain period of time, this is the right option for you.
Get personal protection even if your employees regularly travel to other regions.
This allows you to get additional insurance that is added to your current property or to get a higher amount of insurance compared to group insurance.
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First, health insurance included in group insurance provides protection against hospital expenses.
In addition, and last but not least, this coverage compensates for medical expenses (equipment, equipment, medicine, etc.) that are not covered by the Quebec health insurance plan.
Employees and their families will benefit greatly from this coverage, which covers many of the expenses not reimbursed by RAMQ.
Usually this amount is determined according to the calculation (salary increase) measured by benefits, but a fixed rate can be used.
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There is usually a fixed amount of $10,000 and $5,000 for a spouse or child (respectively).
PAEs effectively resolve work-related conflicts by providing counseling in the form of counseling to support the mental health of employees and their intimate partners (spouses).
Depending on the coverage you choose, you will only receive full or partial coverage once a year for costs related to (for example) corrective lenses, corrective surgery or eye exams.
In this way, your employees will benefit from health insurance if they leave the province or country.
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In addition, they will receive protection for the return of the body or the cost of the flight.
Dentists are very expensive, even for cleanings, braces, extractions, crowns, or mid-year checkups.
Because these more than necessary expenses are not included in RAMQ coverage, dental insurance has significant benefits for salaried employees.
This solution, often called disability insurance, is a way for business owners to show that they take their health and the health of their employees seriously.
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This insurance, which is compatible with health insurance, pays a higher amount than the mandatory insurance provided by the Quebec government.
Covers writing fees in the event of your death or the death of the insured’s spouse. The cost of inaccuracy is also classified.
Note that when an employee is required to join a special plan you offer as a condition of employment, they are not eligible for the deduction.
. Your employees have no choice. If they want to get the benefits, they have to participate.
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Give your employees the group insurance coverage they deserve and help make your company a great place to work.
State and territory programs cover many health care services, but they do not provide coverage for everything. In fact, some medical treatments are very expensive.
A group insurance plan allows you to provide additional protection for your employees and their dependents.
Medicines, dental care, and other medical expenses are usually paid out of your employee’s wages.
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A group insurance plan that deducts pre-tax health care costs allows your employees to keep more money in their pockets.
Make your business more competitive with attractive group plans. Your group insurance can help attract top talent, keep your employees in your company by meeting their needs and maintaining their productivity.
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