Large Businesses

Plans Tailored To Your Situation

Your group insurance plan must meet your needs and expectations, which can vary according to demographics.
AGA’S specialists take all these factors into account to develop a plan that’s right for you :

• Standard plan 
• Modular plan with options
• Health Spending Account (HSA)

Plan Redesign and Alignment

We will support you throughout the process of redesigning or aligning your plan, which involves several stages :

• Comparative analysis of existing plans
• Change impact analysis
• Updated plan design
• Financial simulation
• Enrolment and administrative support

Determining the Ideal Financial Arrangements

There are three main types of financial arrangements underpinning group insurance plans :

• Traditional insured plan
• Insured plan with a financial retention agreement
• Self-insured plan
  
  

To help you better understand your options, our team will carry out financial simulations to illustrate the expected results. They will then help you negotiate arrangements with insurers that are specific to your situation.

Negotiating Rates and Issuing Calls for Tenders

The costs of a group insurance plan can increase quickly from one year to the next, so it’s important to keep your costs under control.

Every year, we will analyze the renewal conditions presented by your insurer to determine the right cost and then negotiate these conditions.

It may be worthwhile to issue a call for tenders for insurers in the market, at a time deemed appropriate by our experts.

Managing Stakeholder Relations

There are three types of dynamics seen in unionized environments :

• The employer is the sole policyholder
• The union party is the sole policyholder
• Both parties are joint policyholders

To ensure a common understanding among stakeholders of the plan’s objectives, financing and long-term management, it’s crucial to establish solid communication mechanisms.

Our team is an objective and credible resource to support a sound and transparent management approach for all policy stakeholders.

Employees Abroad and Non-Residents in Canada

Assigning Canadian employees abroad requires special contracts with specialized insurers. The type of coverage needed will depend on the employee’s family situation, the duration of their assignment and the country they are assigned to.

Similarly, employing non-residents in Canada requires special attention.

AGA can help you get a clear picture of your needs and determine the types of insurance coverage that are right for you.