BeniPlus - Employee Group Health Benefits Insurance For Small Business

Instant Sign-Up

  • Fill in some basic information and we will date-stamp your account and send you an email with everything you need to get started. You and your employees will then be eligible to claim healthcare and wellness expenses incurred after the date-stamp. All you will need to do is fill in the online paperwork and you will be ready to go.
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The BeniPlus Wallet
For Small Business

Simple, Flexible and Affordable
Employee Benefits

Sign up in less than 10 minutes!

The BeniPlus Wallet is:


Sign up and onboard your employees in less than 10 minutes each. No complex application forms. Only basic information is required.


Companies select the type of benefits employees get and employees choose the benefits they want and need. 


Choose benefits based on your budget. No monthly premiums. Pay just for what your employees claim. If they don’t claim, you don’t pay!

A new approach to Employee
Benefits in Canada

Traditional group insurance plans can be expensive and inflexible in the benefits they offer small businesses. Give your employees the benefits they want and need at a price your company can afford with the BeniPlus Wallet.

The BeniPlus Wallet benefits you.


  • Virtual wallet with a set amount of benefits
  • Employees get the benefits they want and need
  • Companies only pay for actual claims
  • No surprises at renewal time
  • A complete benefits plan for small businesses

Sign-Up in an instant.


  • Business owners expecting medical expenses
  • Sign up instantly to timestamp your plan start
  • Finish registration when you need to claim
  • Expenses get paid through the company
  • An efficient way to take care of medical costs

Flexible Spending Accounts

What they are and why they’re essential for small business benefits programs.
Click below to download your free copy of our whitepaper.

Get what you need

As an employer, you decide how much to offer your employees in their BeniPlus Wallet and as an employee you can spend your benefit dollars on the types of expenses most suitable for you.

BeniPlus Wallet

Businesses can allow their employees to allocate their benefits between any or all of the following options.

Healthcare Spending Account

Cover routine medical costs such as medications, glasses and massage. + Read more


Enhance employee financial security by contributing to retirement savings. + Read more

Wellness Spending Account

Help employees with non-medical, wellness expenses such as gym memberships. + Read more

Charitable Giving

Empower employees to give to one of more than 18,000 registered Canadian charities. + Read more

Personal Insurance

Give employees the option to top up their group plan with various, additional individual insurance plans. + Read more

Group Insurance

 Businesses can also protect their employees with affordable group insurance for major, unforeseen situations.

BeniPlus Referral Program

Did you know? BeniPlus now has a referral program! Gain access to tailor-made benefits and enjoy perks on us!
Have a friend that could enjoy the benefits of the BeniPlus Wallet? Visit our referral program page below.

  • Simple
  • Flexible
  • Affordable

Watch the video


How Much Do Benefits Cost?

With a BeniPlus Wallet, employers assign each employee a maximum amount of benefits they can claim each year, but the employer only pays for expenses that are actually claimed plus a 7.5% administration fee. e.g. If the employee is given a maximum of $1,000 for the year, but only spends $100, the company only pays $107.5. There are no start up costs, no monthly premiums, and no hidden fees.

Do You Work with Chamber of Commerce or Board of Trade Members?

There are a number of Chamber of Commerce benefits plans available to their members. We are happy to cooperate with Chambers of Commerce and Boards of Trade to set up customized plans specifically for their members to provide benefits for employees. Of course, we are very happy to provide competitive group benefits for small businesses directly.

What’s the Difference Between a Healthcare Spending Account and a Wellness Spending Account?

Healthcare Spending Accounts (HSA) and Wellness Spending Accounts (WSA) are both Flexible Spending Accounts. As the name implies, these types of plans give employees an allotment of funds for employee benefits that employees can spend in the way that best suits their individual requirements.

An HSA covers qualified medical expenses such as prescription drugs, dental visits, chiropractor or massage, as well as many other expenses not covered by a provincial health plan. The Canadian Revenue Agency considers these to be non-taxable income, which means that when a company gives them to an employee, they are not added to the employee’s income for tax purposes.

A WSA covers wellness related expenses such as gym membership, sports league fees, and educational costs. Because they are non-medical, the CRA considers them to be taxable income, so they are added to an employee’s income for tax purposes. 

What About Major Expenses?

In addition to a BeniPlus Wallet, an employer may opt to get group insurance for employees to help coverage for major, unforeseen events. This can include Major Medical (Catastrophic), Travel, Life, Long-Term Disability and Critical Illness. Employees are also free to use their Benefit Wallet to purchase individual plans to supplement their group plans or to fill in gaps when no coverage is provided by the employer.

How Do These Employee Benefits Compare to Traditional Health and Dental Plans?

Our BeniPlus Wallet is more simple, flexible and affordable than the traditional group plans that are often offered by larger corporations. It is very simple for the employer to set up and the employee to get on-boarded; employees get to choose which benefits they want to use; and the costs are less expensive for the employer.

BeniPlus has been a life-saver, a money-saver, and a time-saver for our organization. I wanted to provide my employees with good health insurance, but before BeniPlus, I found that we were paying for a policy that cost us more than it was worth. It cost my employees more out-of-pocket money than what was offered to them as a “benefit.” The switch to BeniPlus has saved our organization and our employees thousands of dollars by providing us with the flexibility to determine our own insurance needs. And what’s more, BeniPlus has the best customer service of any insurance carrier we’ve encountered!

Mike Seaman

Trinity Life Church


We have been very happy with the flexibility available through the BeniPlus Wallet.  The BeniPlus Wallet has allowed our employees to choose to allocate benefits in the areas they actually use depending on their health, wellness, and retirement needs.  This allows for employees to choose coverage that is both flexible to their needs, but also comprehensive in what it covers – it’s something we are proud to offer to employees and have received a lot of positive feedback on.

Arif Khimani

Head of Finance and Administration


Get affordable benefits for your employees and:

  • Increase your employee retention rates
  • Increase your attractiveness as a employer
  • Provide the flexibility your employees need
  • Provide benefits your employees actually use
  • Control your costs