Health Benefits

Health Benefits

Employee Health Benefits

Whether you run a small business, or your business is growing and expanding, you need a benefits plan that suits your business and supports your employees. Quikcard offers a full range of Employee Health Benefit plans to meet the health benefits needs of all Canadian employees. Quikcard will help understand your needs and create a plan for you that not only leverages opportunities but also contains costs. A Quikcard employee health benefits plan will bring value to your business and your employees. Plus, with our online app, it’s easier than ever to get set-up and start delivering top-tier coverage to your employees.

Dental Insurance

Basic, major restorative, and orthodontic dental services

Dental care services can be grouped into 3 categories:

  1. Basic
  2. Major Restorative
  3. Orthodontics

Basic Dental Services

Coverage for basic services includes diagnostic and preventative treatments, such as dental exams, x-rays, cleanings, fluoride oral hygiene, fillings scaling of teeth, tooth extractions, periodontic services to treat the bone and gum around the tooth, and endodontic services including root canal therapy.

Major Restorative Dental Services

Coverage for major restorative services include dentures, crowns, inlays, onlays, and bridgework.

Coverage for orthodontic services includes procedures and appliances, such as braces, wires, space maintainers, and other medical aids required to straighten and correct teeth.


Coverage for orthodontic services includes procedures and appliances, such as braces, wires, space maintainers, and other medical aids required to straighten and correct teeth.

Dental services are typically broken out into levels of coverage with each level offering different plan features, such as co-insurance, deductibles, and maximums. On average, reimbursement for basic services is higher than the reimbursement for major restorative or orthodontic services.

Vision Care Insurance

Prescription eyeglasses and contact lenses

Vision care pertains to:

  • Eye examinations
  • Prescription eyeglasses (lenses and frames)
  • Corrective laser surgery
  • Prescription contact lenses
  • Visual training aids (e.g. eye patches)

Coverage for each of the above items will vary according to the specific plan put in place. Coverage options include deductibles, waiting periods, co-insurance, extended coverage, etc.

Life Insurance

Coverage for the employee and dependents

Life insurance provides financial security to families and loved ones by giving them a tax-free payment after your death. The amount and type of coverage will depend on circumstances and needs. Types of life insurance:

Term Life Insurance

  • Simple and affordable
  • Provides a fixed amount of insurance for a specific period of time
  • Provides temporary protection that can be customized to specific needs

Permanent Life Insurance

  • Also known as Whole Life Insurance
  • Coverage is for a policy holder’s whole life
  • Cost is usually guaranteed not to increase from the time the policy is purchased

Participating Life Insurance

  • Type of permanent whole life insurance
  • Can be eligible to receive dividends
  • Amount of coverage and premiums are guaranteed for life

Universal Life Insurance

  • A flexible type of permanent insurance
  • Combines protection and savings
  • Payments made above the cost of insurance may earn tax-preferred interest

Prescription Drug Coverage

Long term & substantial medication costs

Our prescription drug plans are designed to maintain affordability while being easy to use and providing comprehensive coverage to plan members. With coverage options ranging from 50% – 100%, our plans are built around your needs. Prescription Drug coverage covers over 5,000 drugs that are covered under the Alberta Drug Benefit List, an evolving list of prescription drugs that ensures coverage and accessibility to safe, cost-effective, quality drug therapies.

Accidental Death & Dismemberment Insurance

Coverage in the event of accidental death or dismemberment

Unfortunately, you cannot foresee or prepare for a major accident. Accidental Death and Dismemberment (AD&D) coverage covers you in the event of an accident that results in injury or death. AD&D coverage covers:

  • You and your family
  • From $25,000 up to $250,000 in benefit coverage
  • Variety of losses including loss of life, loss of limbs (including usage), loss of sight, loss of hearing, loss of speech, or loss of mobility
  • Additional features include spousal occupational training benefit, repatriation benefit, seat belt benefit, home and vehicle adaptation benefit, and waiver of premium

Extended Health Insurance

Health costs beyond prescriptions including hospital stays, ambulance, braces/crutches, prosthetics, diabetic supplies and more

Extended health benefits coverage covers members for necessary medical expenses that are not typically covered by their provincial plan. This may include:

  • Paramedical services (Audiologists / Chiropractors / Podiatrists and Chiropodists / Massage Therapists / Acupuncturists / Physiotherapists / Licensed Speech Therapists / Licensed Clinical Psychologists / Naturopaths / Osteopaths / Clinical Dieticians)
  • Emergency Travel Insurance: includes coverage for eligible expenses resulting from a medical emergency outside an employee’s province of residence (Telephone translation services / Emergency medical funding and evacuation / After-hospital care and nursing / Returning dependent children to their home / Trip interruption / Return of vehicle)
  • Medical Equipment and Supplies (Nursing Care / Emergency ground or air ambulance services / hearing aids)

Critical Illness Insurance

Lump sum payment in the event of critical illness including heart attack, stroke or cancer

Critical illness (CI) insurance provides coverage for costs associated with recovery if an individual is faced with a severe illness. CI Insurance can provide the recipient with a tax-free lump sum payment to use however the recipient needs while recovering from a life-altering illness. The payment can be used at your discretion but can be used to cover loss of income, pay for private nursing or out-of-home care, or for expensive medical equipment. Benefit coverage ranges from $10,000 to $75,000 and covers members for the 3 most common critical illnesses: cancer, heart attack, and stroke.

Long Term Disability Insurance

Income protection in the event of a non-occupational illness, accident or hospitalization after 120 days of disability

Long-term disability insurance provides you with a monthly cash benefit to help pay for everyday expenses (such as mortgage/rent, utilities, childcare, or groceries) if a covered disability (e.g., back injuries and some chronic illnesses such as heart attack, cancer, or stroke) takes an employee away from work for an extended time.

Long-term disability benefits begin when:

  • Short-term disability insurance ends
  • Sick leave from an employer ends
  • EI benefits end

Long term disability insurance plans replace 60% to 70% of an employee’s income. Disability plans can be customized for waiting periods, benefit time periods, etc.

Short Term Disability Insurance

Income protection in the event of a non-occupational illness, accident or hospitalization for up to 17 weeks of disability

Short-term disability insurance provides employees with a weekly cash benefit to help pay for everyday expenses (such as mortgage/rent, utilities, childcare, or groceries) if you are unable to work for a short time due to a covered disability (e.g., back injuries, recovery from surgery, or even maternity leave).

Typically, short-term disability provides coverage for up to 13 or 26 weeks depending on age, benefit amount, etc.

Stop Loss Insurance

Prescription drug coverage for unforeseen, unexpected medical issues that requires costly drug treatment

Stop-loss insurance is insurance that provides protection against catastrophic or predictable losses. There are two types of stop-loss insurance for employers:

  • Individual Stop Loss: a form of excess risk coverage that provides protection for the employer against a high claim on any one individual
  • Aggregate Stop Loss: provides a ceiling on the dollar amount of eligible expenses that an employer would pay, in total, during a contract period

Stop-loss insurance gives employers the flexibility to meet employee’s needs without putting their business financials on the line.

Quikcard Insurance Solutions work best when paired with a Health Spending Account. This allows employees to get the flexible payment options and coverage they want, and employers like you to get the cost savings you need.

Get in touch with a Quikcard representative today to put together a fully customized health insurance plan for your business.