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No Brokers. Low Fees. Full Transparency.
The future of health benefits is here! Kibono will forever change the way you think about your health claims.
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HCSA's & PHSP's

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!

Our Goal

We want to provide the most simplified, self-serve health benefit platform at the lowest price possible without compromising value, clarity or analytical capabilities.

No brokers
No Brokers

Simple and easy to use self-serve platform to get you what you need, when you need it.

Low fees
Low Fees

By removing unnecessary administrative costs and streamlining the process, we can provide a high value product at a fair price. Fee Breakdown

Transparency
Full Transparency

No hidden fees, complicated terminology or loopholes. Just the facts. We feel that openness and honesty goes a long way.

Who We Are

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.

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Our promise to you

Whether you're on your own or have many employees to look after, Kibono has you covered.

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Pay-Per-Claim. Only pay for the benefits as you need them. Never lose un-used "health dollars" again. 

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No rising premiums. Kibono has one flat-rate fee without the fear of hidden costs or rising annual premiums. Fee Schedule

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No limits or restrictions. Need 25 massages? Take them! Kibono allows any health benefit recognized by Health Canada, regardless of frequency.

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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.

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Fast and simple. We streamlined the process to make things easier, without using unnecessary "insurance terminology". Sign up and begin claiming the same day!

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Complete coverage. Kibono specializes in providing extended health benefits in addition to extensive catastrophic health coverage in case of emergency.

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Instant claim process. Nobody has time to waste. We make sure you focus on your health, not your insurance claim.

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Accessible and flexible. An online platform means we are never offline. Everything you need is at your fingertips.

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No paperwork. None. Ever.

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Pay-Per-Claim. Only pay for the benefits as you need them. Never lose un-used "health dollars" again. 

Checkmark

No rising premiums. Kibono has one flat-rate fee without the fear of hidden costs or rising annual premiums. Fee Schedule

Checkmark

No limits or restrictions. Need 25 massages? Take them! Kibono allows any health benefit recognized by Health Canada, regardless of frequency.

Checkmark

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.

Checkmark

Fast and simple. We streamlined the process to make things easier, without using unnecessary "insurance terminology". Sign up and begin claiming the same day!

Checkmark

Complete coverage. Kibono specializes in providing extended health benefits in addition to extensive catastrophic health coverage in case of emergency.

Checkmark

Instant claim process. Nobody has time to waste. We make sure you focus on your health, not your insurance claim.

Checkmark

Accessible and flexible. An online platform means we are never offline. Everything you need is at your fingertips.

Checkmark

No paperwork. None. Ever.

How It Works
Self employed
Self Employed

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

Business
Business

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!

Intuitive dashboard
Intuitive Dashboard

Simple and easy to use self-serve platform to get you what you need, when you need it.

Dashboard
Dashboard
Fast claim process
Fast claim process

Just a few clicks for you and Kibono takes care of the rest!

Reports analytics
Reports & Analytics

Easily keep track of every claim and every dollar.

Dashboard
The future of health benefits is here.
Try Kibono today!
Sign up now