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Move away from paying upfront for traditional insurance your team may not fully use. With Wellbytes, you fund eligible claims based on actual usage.
Our platform is designed to support claims processing in accordance with CRA guidelines, helping businesses maintain clear records and reduce administrative risk.
Save time with a fully digital, self-serve platform that reviews, processes, and manages employee claims efficiently.
Give employees greater choice by allowing them to use their health benefit dollars on eligible expenses that matter most to them.
Simple for your business. Simple for your team.
Choose how much to allocate by employee class, such as an annual amount per employee. You stay in control of the budget, and depending on plan design, unused funds may remain with the business or roll forward.
Employees visit the providers they choose, such as a dentist, therapist, or chiropractor. They then upload their receipt securely through the Wellbytes platform.
Our system reviews claims based on plan rules and eligibility requirements, then reimburses employees directly by bank deposit.
| The Difference | Traditional Insurance | Wellbytes HSA |
|---|---|---|
| 1. What You Pay | Fixed premiums, — regardless of usage | Pay based on reimbursed claims — keep unspent funds |
| 2. Your Cash Flow | Premiums typically increase 5-7% year over year | Flexible budgeting based on actual use |
| 3. Unused Funds | Kept by the insurer | Stay with you — rollover or refund options |
| 4. Flexibility | Coverage rules and category limits may apply | Flexible spending on CRA-eligible expenses |
| 5. Business Objective | Retain Premium and restricting payouts. | Facilitate usage, not block it. |
Our system supports claims administration in accordance with CRA guidelines, with securely stored documentation to support audit-ready recordkeeping.
Our SOC 2 Type II certification reflects strong standards for security, availability, and confidentiality in how your data is handled.
Client funds are held in trust with a Schedule I Canadian bank and protected by applicable CDIC coverage, helping support the security of deposited funds.
Your data stays in Canada. Your records stay audit-ready.
Applied only to reimbursed amounts.
Structured to CRA & Income Tax Act Guidelines.
100% Canadian Data Residency.
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