The Hybrid

Flexible benefits with group insurance

With The Hybrid, you no longer have to compromise. Get all the flexibility and cost controls from The Wallet with the protection from group insurance.

Group Insurance

The essential insurance products for your team

Pick and choose your desired group insurance products to add to your Wallet plan.

Critical Illness

Critical Illness coverage provides a lump sum payment to employees facing serious health conditions, helping them manage expenses and focus on recovery without the added stress of financial strain.



Provide your employees with essential coverage for medical emergencies during international travel, giving both you and your team peace of mind.

Happy employee travelling care-free

Life and AD&D

Life and Accidental Death & Dismemberment (AD&D) coverage ensures that your employees and their families are supported financially in the face of life’s most challenging moments.

Happy employee with her two children laying on a bed

Dependent Life

Dependent life coverage provides essential financial security for your employees' families, offering peace of mind by ensuring that loved ones are taken care of in the event of an unexpected loss.

Prescription Drugs

Ensure your team has affordable access to the medications they need to maintain their health and well-being.


Long-Term Disability

In the event one of your employees are unable to work due to a serious illness or injury, Long-Term Disability coverage ensures they continue to receive a stable income, safeguarding their livelihood.

Happy employee in a wheelchair
The Wallet

Personalize your Wallet

Your employees can personalize their Wallets with five benefit categories. Empower your team with benefits that meets their health, wellness, and financial goals.

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Healthcare Spending Account

A Healthcare Spending Account is your personal health budget, empowering you to cover a wide range of medical expenses, from dental work to massage therapy, exactly as you see fit.

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Wellness Spending Account

A Wellness Spending Account gives you the freedom to invest in your well-being, covering costs for activities and services that keep you at your best, like gym memberships or yoga classes.

Registered Retirement Savings Plan

An RRSP, or Registered Retirement Savings Plan, is your financial nest egg for the future, allowing you to save for retirement on a tax-deferred basis.

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Charitable Giving

Charitable Giving lets you support causes close to your heart directly from your Wallet, making it easy and efficient to contribute to the greater good.

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Personal Insurance

Personal Insurance offers you a safety net for life's unexpected turns, covering everything from health emergencies to long-term disability. It’s designed to provide peace of mind, ensuring you and your loved ones are protected.


The As to your Qs

We know with implementing a new benefits plan, there are many questions that need to be asked about cost, coverage, how it differs from your current plan, and more. Well, we're here to help.

What's your cost?

For our flexible spending solution, The Wallet, we charge a 7.5% admin fee plus taxes on each claim. Your business only pays when claims are made. No claims, no cost.

Regarding The Hybrid's insurance component, we'd work with our insurance carriers to generate a quote based on your existing group insurance plan or team demographics.

Whether you want to save, keep the same cost, or invest more in your team, The Hybrid meets your needs.

Does The Hybrid cover Vision and Orthodontics?

Yes, your team will have coverage for Vision, such as new eyeglasses, and Orthodontics for them personally and family members.

How many employees do I need to enrol?

For The Hybrid, you'll need a minimum of three employees.

How is The Hybrid different than traditional group benefit plans?

Most commonly, your Dental, Extended Health, and Prescription Drugs usage drive up your renewal costs. With The Hybrid, you'll move your Dental and Extended Health benefits to The Wallet for our cost control capabilities, thus higher usages from your team won't trigger higher premiums. At the same time, you'll receive coverage from all the preventative products such as Life, Long-Term Disability, and Prescriptions. All the flexibility and cost control from The Wallet. All the risk and protection from insurance. The best of both worlds.

I have an existing plan. How do I switch to The Hybrid?

Firstly, you'll provide us with your current plan's Plan Booklet, Experience Report, and an Employee Census form to establish the group insurance pricing for your new Hybrid plan. We'll then assist you in providing your 30-day cancellation notice to your existing provider. Lastly, we'll create your Wallet account, add your employees, and set your plan's start date as the day after your 30-day cancellation.

I don't have an existing plan. How do I get started with The Hybrid?

We'll provide you an Employee Census form to complete so we can provide your group insurance pricing. Once you agree to the pricing, we'll get you and your team set up on The Wallet to leveraging our benefits. Your group insurance policy will kick in the following 30 days.

How do I get started?

We'll get you a quote for our group insurance policy, which requires your current plan's most recent experience report, plan design, and an employee census form with your team's demographics. If you don't have an existing plan, we'll just have you complete an employee census form. Once we've generated your quote and you agree to the cost, we'll get you set up on The Wallet to complete the masterpiece. You can begin submitting claims on The Wallet and your group insurance policy will take effective the following 30 days.


Tired of paying costly renewals? Take control with The Hybrid

The Hybrid gives your team all the benefits they know and love while giving you more control over your cost.

Get a quote

We'll reach out to answer your questions, walk you through our benefits platform, and provide you with a personalized quote. We're here to help you design the best benefits plan for your team.

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