Beneplan

Beneplan is a health benefits co-operative that refunds unused premiums back to its members. They design, administer and negotiate health insurance plans on behalf of its members that are made up of products that other insurance carriers provide. Beneplan works with Canada's big carriers to purchase health insurance at super competitive rates. Their refund model means that if your claims and fees are lower than your premiums, the money belongs to you, not your insurance company.