FOR SELF-EMPLOYED PROFESSIONALS
Health & Wellness Coverage Built For How You Work
If you’re running your own business — whether you’re a solopreneur, freelancer, contractor, or incorporated — you need health coverage that works as hard as you do. The Capital Complete Health and Wellness Plan was built for exactly that.
The Capital Complete Wellness Plan is designed for entrepreneurs, contractors, incorporated business owners, freelancers, and self-employed Canadians wanting expanded health coverage, wellness support, and protection from major healthcare expenses.
Guaranteed
ACCEPTANCE OPTIONS
Simple
DIGITAL ENROLLMENT
WHAT’S INCLUDED
Everything You Need. Nothing You Don’t.
Enterprise-Level Benefits
Health and dental coverage that rivals what larger organizations offer.
Mental Health Support
Expanded counselling, CBT, and long-term mental health resources included.
Catastrophic Drug Protection
Coverage from $5,000 up to $1,000,000 per family member per year.
Wellness Bundle
Telemedicine, fitness, nutrition, legal advice, and more built right in.
Guaranteed Acceptance
No medical questions required to enroll.
Digital Enrollment
Apply online in minutes from any device.
Benefits for the Self-Employed
Stop paying for health care with after-tax dollars
You chose the freedom of being your own boss. But when you’re self-employed, you’re also personally on the hook for every dentist bill, physiotherapy session, and prescription, all paid for with money you’ve already paid tax on. That’s a huge burden.
When you choose Capital Planning, one of our team members will help you take control of your health costs by turning them into tax-smart business expenses.
Choose The Plan That Fits Your Life
Explore the high-value savings and insurance programs available to self-employed individuals.
Bronze PlanESSENTIAL COVERAGE FROM $256.88/MO
| COVERAGE | BRONZE | DETAILS |
|---|---|---|
| Prescription Drugs | 80% up to $2,500 per family member, per year (90% at PocketPills pharmacy) | Medical cannabis and catastrophic drug coverage included. |
| Professional Services | 80%, up to $300/practitioner per practitioner category, per year (up to $900 total per family member) | Services include: Acupuncturist, Audiologist, Chiropodist, Chiropractor, Clinical Counsellor, Dietician, Homeopath, Kinesiologist, Marriage and Family Therapist, Massage Therapist, Naturopath, Occupational Therapist, Orthotherapist, Osteopath, Physiotherapist, Podiatrist, Psychoanalyst, Psychologist, Psychotherapist, Social Worker, Speech Therapist |
| Dental (Basic) | 80% up to $750 per family member, per year | Check-up frequency every 9 months. Major services, like restorative procedures and orthodontics, not included. |
| Vision | Not included | |
| Out-Of-Province Travel | 100% | Up to $5,000,000. Coverage lasts up to 90 days. |
Single
$256.88/mo
Couple
$440.75/mo
Family
$529.49/mo
BC, Manitoba, and Saskatchewan rates differ – contact us for more information.
Silver PlanEXPANDED COVERAGE FROM $274.94/MO
| COVERAGE | SILVER | DETAILS |
|---|---|---|
| Prescription Drugs | 80% up to $5,000 per family member, per year (90% at PocketPills pharmacy) | Medical cannabis and catastrophic drug coverage included. |
| Professional Services | 80%, up to $500/practitioner per practitioner category, per year (up to $1,500 total per family member) | Services include: Acupuncturist, Audiologist, Chiropodist, Chiropractor, Clinical Counsellor, Dietician, Homeopath, Kinesiologist, Marriage and Family Therapist, Massage Therapist, Naturopath, Occupational Therapist, Orthotherapist, Osteopath, Physiotherapist, Podiatrist, Psychoanalyst, Psychologist, Psychotherapist, Social Worker, Speech Therapist |
| Dental (Basic) | 80% up to $1,500 per family member, per year | Check-up frequency every 6 months. Major services, like restorative procedures and orthodontics, not included. |
| Vision | 100% up to $200 per family member, every 24 months | |
| Out-Of-Province Travel | 100% | Up to $5,000,000. Coverage lasts up to 90 days. |
Single
$274.94/mo
Couple
$476.24/mo
Family
$587.68/mo
BC, Manitoba, and Saskatchewan rates differ – contact us for more information.
Gold PlanCOMPREHENSIVE COVERAGE FROM $322.48/MO
| COVERAGE | GOLD | DETAILS |
|---|---|---|
| Prescription Drugs | 90% up to $5,000 per family member, per year (100% at PocketPills pharmacy) | Medical cannabis and catastrophic drug coverage included. |
| Professional Services | 100%, up to $750/practitioner per practitioner category, per year (up to $2,000 total per family member) | Services include: Acupuncturist, Audiologist, Chiropodist, Chiropractor, Clinical Counsellor, Dietician, Homeopath, Kinesiologist, Marriage and Family Therapist, Massage Therapist, Naturopath, Occupational Therapist, Orthotherapist, Osteopath, Physiotherapist, Podiatrist, Psychoanalyst, Psychologist, Psychotherapist, Social Worker, Speech Therapist |
| Dental (Basic) | 100% up to $1,500 per family member, per year | Check-up frequency every 6 months. Includes major services, like restorative procedures and orthodontics. |
| Vision | 100% up to $200 per family member, every 24 months | |
| Out-Of-Province Travel | 100% | Up to $5,000,000. Coverage lasts up to 90 days. |
Single
$322.48/mo
Couple
$571.81/mo
Family
$716.32/mo
BC, Manitoba, and Saskatchewan rates differ – contact us for more information.
Eligibility & Details
Eligibility
- Sole proprietors, freelancers, incorporated companies (20+ hrs/week)
- Valid provincial health insurance required
- No medical questions to enroll
- Plan changes permitted once per year on June 1
- Plan terminates at age 80 or earlier retirement
Premium Details
- Rates shown are monthly, before applicable taxes
- Credit card and pre-authorized debit accepted
- 24-month pre-existing condition clause applies
- Rates revised annually on June 1
- BC/MB/SK rates differ — contact us for details
INCLUDED WITH EVERY PLAN
The Wellness Bundle
Every Capital Complete plan includes a Group Wellness Bundle with nine programs covering mental health, telemedicine, legal advice, fitness, nutrition support, and more — at no additional cost.
- CloudMD Kii (EAP) — 24/7 confidential counselling and life coaching
- Phzio MSK360 — Virtual pain consultations and conditioning plans
- My Friendly Lawyer — Legal advice with qualified Canadian lawyers
- LIFT Session — Unlimited on-demand and live virtual fitness
- ALAViDA — Virtual substance use support and early intervention
- Virtual Care & Mental Health — Unlimited telemedicine and CBT support
- LifeSpeak — Expert-led mental health and wellbeing education platform
- RxFood — Personalized nutrition app for health goals
- The Solid Ground Method — Personal development and stress reduction
Insurance for Business Owners & Leaders
PROTECT YOURSELF & YOUR BUSINESS IF THE UNEXPECTED HAPPENS
Key Person Life Insurance
Key Person Life Insurance
WHAT HAPPENS TO YOUR BUSINESS IF YOUR PARTNER DIES?
When a key owner or partner passes away, the impact is more than personal. Revenue can stall, clients may lose confidence, debts can come due, and the future of the business can suddenly feel uncertain.
Key person life insurance gives your company the financial support to keep operating, protect your ownership interests, and buy time to make clear decisions. It helps ensure that one devastating loss does not become the loss of the business you built together.
Health Protection Plan
Health Protection Plan
WOULD YOUR COMPANY SURVIVE IF YOU WERE UNABLE TO WORK FOR HEALTH REASONS?
The Executive Health Plan is built to protect your company if you’re diagnosed with a life-changing critical illness. It provides a lump sum of tax-free cash to help the company survive while you recover. The costs of the plan are paid by your company and yourself.
If you don’t get sick, all of the contributions can come back to you personally tax-free.
Wage Replacement Insurance for Executives
Wage Replacement Insurance for Executives
IF YOU WERE DISABLED TOMORROW, WOULD YOUR POLICY COVER YOUR SALARY?
Group disability insurance usually has one catch for senior executives – it’s built for the group as a whole, so often has a maximum payout that won’t come close to replacing your lost income.
Wage replacement insurance is there so that if you become disabled (due to sickness or injury), your finances are protected. Disability Buy/Sell Insurance can help fund an ownership purchase if one partner becomes disabled.
Business Overhead Insurance
Business Overhead Insurance
IF YOU’RE UNABLE TO WORK, WHAT HAPPENS TO YOUR INCOME?
If you’re unable to work, your revenues may stop — but your expenses don’t. Business overhead insurance helps to cover those costs so that the business continues while you recover.
The Smart Solution: A Personal Health Spending Plan (PHSP)
We offer a flexible solution that feels nothing like a traditional insurance plan with high monthly premiums. It’s designed specifically for entrepreneurs and incorporated business owners:
- Turn Medical Bills into Tax Deductions: With a PHSP, the money you spend on health, dental, vision, and other medical services (like massage or chiropractic care) is paid for by your company as a tax-deductible expense.
- Receive Tax-Free Benefit: You then receive that money back as a non-taxable benefit. It’s a simple way to keep more of the money you earn!
- No Fixed Monthly Fees: Unlike insurance, you generally only pay when you actually use the services, giving you maximum budget control.
- Built to Grow: If you decide to hire employees later, your PHSP can easily be expanded to cover them, too.
Ready to stop treating your health costs like a personal chore and start treating them like a smart business decision?
What Other Capital Planning Members are Saying
Speak to an Expert
When was the last time you spoke to a real person about your self-employed benefits? Whether you’re reviewing your existing plan or starting from scratch, we’re here to listen first, then help you build coverage you’ll actually use.
Fill out the form to book a consultation with one of our experts.