Health Care Spending Accounts (HCSA) or Private Health Services Plans (PHSP) have long been used in Canada to help turn your personal medical expenses into tax-deductible business expenses. This is much more advantageous from a tax perspective as there is NO requirement to reach the minimum personal health expense limit (3% of income or $2,237) before being deductible. All claims with Kibono are 100% tax deductible! Whether you are self-employed or an employee, Kibono will help get you started and save you money!
We want to provide the most simplified, self-serve health benefit platform at the lowest price possible without compromising value, clarity or analytical capabilities.
Simple and easy to use self-serve platform to get you what you need, when you need it.
By removing unnecessary administrative costs and streamlining the process, we can provide a high value product at a fair price. Fee Breakdown
No hidden fees, complicated terminology or loopholes. Just the facts. We feel that openness and honesty goes a long way.
Kibono was built by insurance specialists who realized that the industry was broken and needed more than a quick fix.
By streamlining the entire health benefit process, Kibono provides a complete self-serve platform, without the cost of traditional health insurance.
Whether you're on your own or have many employees to look after, Kibono has you covered.
Pay-Per-Claim. Only pay for the benefits as you need them. Never lose un-used "health dollars" again.
No rising premiums. Kibono has one flat-rate fee without the fear of hidden costs or rising annual premiums. Fee Schedule
No limits or restrictions. Need 25 massages? Take them! Kibono allows any health benefit recognized by Health Canada, regardless of frequency.
Save on taxes. All approved claims through Kibono are fully tax deductible as business expenses. This typically is much more attractive compared to the personal medical cost limit you are required to reach otherwise.
Fast and simple. We streamlined the process to make things easier, without using unnecessary "insurance terminology". Sign up and begin claiming the same day!
Complete coverage. Kibono specializes in providing extended health benefits in addition to extensive catastrophic health coverage in case of emergency.
Instant claim process. Nobody has time to waste. We make sure you focus on your health, not your insurance claim.
Accessible and flexible. An online platform means we are never offline. Everything you need is at your fingertips.
No paperwork. None. Ever.
Pay-Per-Claim. Only pay for the benefits as you need them. Never lose un-used "health dollars" again.
No rising premiums. Kibono has one flat-rate fee without the fear of hidden costs or rising annual premiums. Fee Schedule
No limits or restrictions. Need 25 massages? Take them! Kibono allows any health benefit recognized by Health Canada, regardless of frequency.
Save on taxes. All approved claims through Kibono are fully tax deductible as business expenses. This typically is much more attractive compared to the personal medical cost limit you are required to reach otherwise.
Fast and simple. We streamlined the process to make things easier, without using unnecessary "insurance terminology". Sign up and begin claiming the same day!
Complete coverage. Kibono specializes in providing extended health benefits in addition to extensive catastrophic health coverage in case of emergency.
Instant claim process. Nobody has time to waste. We make sure you focus on your health, not your insurance claim.
Accessible and flexible. An online platform means we are never offline. Everything you need is at your fingertips.
No paperwork. None. Ever.
1. Sign up in a few easy steps
2. Submit any medical claim recognized by Health Canada
3. Payment Kibono will issue a monthly invoice of claims processed. Fee Schedule
1. Sign up your Company in a few easy steps
2. Set your limits – assign total health $ limits for each employee class (managers, admin, etc)
3. Reimbursement - Kibono will process all claims and payments to employees via EMT (email money transfer)
4. Payment - Pay-Per-Claim or lump sum billing options available. Fee Schedule
Save on taxes! All approved medical costs are now deemed business expenses and fully tax deductible!
Simple and easy to use self-serve platform to get you what you need, when you need it.
Just a few clicks for you and Kibono takes care of the rest!
Easily keep track of every claim and every dollar.
