Benecaid’s beneGUARD solution is a ready to enrol health benefits plan designed specifically for individual contractors or consultants.
It offers you and your family coverage and protection not previously available for individual business owners or sole proprietors.

beneGUARD is not available for residents of Quebec.

Key benefits

Designed for sole proprietors and
individual incorporated businesses

Perfect as an association plan

Coverage for expected and
unexpected medical expenses

Product options that vary
based on your lifestyle

How does it work?

Enrol your association members

We can work with your association to offer this product to its members.
Annual contributions to beneGUARD can be used as corporate tax reduction
and can reduce the taxes your members pay.

Select your plan & submit your claims

There are different options based on deposit amount,
family composition and annual medical needs.

Choose from a wide range of eligible expenses

Claims can be easily submitted online through your smartphone or tablet.
There is a large list of eligible expenses that can be covered through
a Health Spending Account (HSA). Please visit the CRA website for more information:

“I am self-employed and was looking for a plan that would protect me and my children.
I was really pleased when I was introduced to beneGUARD™ through my association, as it provided the coverage I needed that I couldn’t find anywhere else.”


Mike T.

Coverage options

Choose between single, couple & family coverage.

All plans include coverage for:

Prescription Drugs

Semi-Private Hospital

Travel Insurance

Accidental Dental

Private Duty Nurse

Flexible Funds*

*Flexible funds

Can be used for a variety of
eligible medical expenses including:

  • Acupuncture
  • Assistive Mobility Device
  • Audiologist Services & Hearing Aids
  • Autism Treatments
  • Cataract Surgery
  • Chiropodist Services
  • Chiropractic Services
  • Contact Lenses
  • Dental Hygienist Services
  • Dental Surgeons Services
  • Dental Technologist Services
  • Denturist Services
  • Dermatology Services
  • Drugs
  • Elderly Parent & Dependent Care
  • Fertility Drugs and Treatment
  • Services
  • Laser Eye Surgery
  • Massage Therapists (RMT)
  • Medical Laboratory Services
  • Medical Radiation Treatments
  • Midwife Services
  • Naturopath Services
  • Occupational Therapist Services
  • Optician Services
  • Optometrist Services
  • Orthodontic Services
  • Physiotherapist Services
  • Prescription Glasses
  • Prescription Sunglasses
  • Private Nursing Services
  • Psychologist Services
  • Respiratory Therapists
  • Special Needs Tuition & Services
  • And more!

*This list is in accordance with the rules governing the Medical Tax Benefit and is subject to change. Please note that authorized medical practitioners differ based on province or territory. Please visit the CRA website for more information:

Connect with us

Call 1-877-797-7448

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and someone will reach out to you

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