Health Reimbursement Plans

Your existing group plan lets you provide your plan members with comprehensive, cost-effective benefits coverage, however, the Health Reimbursement Plan (HRP) takes that coverage one step further by allowing you to strengthen your coverage with valuable tax savings. Our HRP is an effective way to supplement health, dental and vision coverage that may be limited or not covered under your existing group plan.


HRP coverage supplements medical, hospital, dental and vision expenses that are limited or not covered under the terms of your existing group contract. Coverage is provided for those expenses that qualify as a medical expense under Subsection 118.2(2) of the Income Tax Act (Canada), which may be amended from time to time. Before establishing a health reimbursement plan, you should consult with your independent tax advisor to review your needs and determine whether a health reimbursement plan is appropriate for your particular circumstances.

HRP Company Application Form

The Health Reimbursement Plan enables you to cover medical expenses that are not covered by the Extended Health Care (EHC) or Dental plan for your employees on a “cost plus” (non insured) basis.

Examples of expenses that can be claimed under the HRP:

  • Expenses exceeding maximums under your EHC and Dental plans
  • The coinsurance or deductible portion of a claim under your EHC and Dental plans
  • Medical expenses that are not covered under your EHC and Dental plans, (as long as your plan stays within the 90% guideline above).

Click here to download the form.

HRP Remittance and Claim Form

Include all supporting documents. If expenses have been partially paid by an EHC or Dental plan, include the Claim Statement / Explanation of Benefits. For prescription medication, include official pharmacy receipt. If you email the claim to us, retain original receipts.

Click here to download the form. 

Get in touch with one of our team members who would be happy to answer any specific questions you have.