Claimo is a professionally administered Private Health Services Plan (PHSP) that converts your employees' medical expenses into 100% tax-deductible business costs — with zero monthly premiums.
THE CLAIMO ADVANTAGE
Use the calculator below to see how much your corporation saves when you convert personal health expenses into fully deductible business costs.
Total Tax Savings
+$1,140
Actual savings vary by province and exact corporate tax bracket. Consult your accountant for a personalized estimate. Minimum claim amounts may apply.
HOW IT WORKS
01
01
Reach out through our contact form. We'll review your business structure and confirm your eligibility for a CRA-compliant PHSP.
02
02
We configure your company's plan, set employee benefit classes, and invite your team. The entire setup is handled by our team — no technical work required.
03
03
Your employees log in to Claimo, submit their medical receipts, and get reimbursed. You approve claims and track spending from your admin dashboard.
ELIGIBLE EXPENSES
Unlike traditional insurance plans with strict category limits and co-pays, a PHSP covers the full CRA list of eligible medical expenses — with no deductibles and no restrictions on how you allocate your benefit.
30 eligible expense categories in total, aligned with CRA's Medical Expense Tax Credit (METC) list under ITA s.118.2(2).
View full CRA eligible expense list →WHO IT'S FOR
No annual cap on deductible amounts. Cover yourself, your family, and your employees with a fully deductible corporate health benefit.
Offer competitive health benefits to attract and retain talent — without the cost and complexity of traditional group insurance. You set the limits, you control the cost.
CRA rules apply with annual limits ($1,500/adult, $750/child), but qualifying sole proprietors can still deduct eligible medical expenses as a business cost.
WHY CLAIMO
Many PHSP providers offer self-serve software and leave you to figure out the CRA rules yourself. Claimo is different. Every plan is set up and administered by a licensed Canadian lawyer, ensuring your plan is structured correctly from day one.
Your plan is structured to meet all CRA requirements including the 90% eligible expense rule, arm's-length employee rules, and sole proprietor caps.
Every claim is digitally logged with receipts, approval records, and a complete audit trail retained for the CRA-required 6 years.
All plan data and medical receipts are stored on Canadian servers (ca-central-1) in compliance with Canadian privacy requirements.
You only pay when claims are made. No wasted spend on unused coverage. No complex insurance products.
GET STARTED
Fill out the form below and we'll be in touch within one business day to discuss your business structure and confirm your eligibility.