FWCHP vs. Other Health Plans – How To Protect Your Workers With The Best Coverage
Are you doing your research on health insurance for your temporary foreign workers?
It’s easy to feel like you’re drowning in options. How do you manage coverage gaps and find a plan that protects both your business and your workers?
With over 450,000 temporary foreign workers in Canada, employers are giving much more thought to healthcare coverage. A wrong choice could mean government penalties and worker turnover.
Hardworking team members deserve the best in their healthcare coverage – and they’ll spread the word if you give little to no thought to care.
Why Basic Coverage May Not Be Enough
Many Canadian employers gravitate toward basic "visitors to Canada" insurance, thinking they're being cost-conscious.
The problem? These bare-bones plans typically cost $50-$150 monthly and exist to meet basic government requirements.
When you look closer, you’ll start to see how the plan's limitations can leave your valuable team members at risk:
Maximum coverage caps of $25,000 per incident
No coverage for pre-existing conditions
Limited prescription drug benefits
Zero income replacement for illness
Workers may struggle to afford treatment, which can lead to lower productivity and higher turnover. You’ll then spend more time on new recruitment and training replacements than you would have on comprehensive coverage for an entire year.
Provincial Plans – A 90-Day Gamble?
"Why not just wait for provincial coverage?" some employers ask. Here's why that's a dangerous gamble:
Every province has different rules and waiting periods. In Ontario and British Columbia, your workers face a 3-month waiting period before provincial coverage begins.
That's 90 days where a single emergency could cost you thousands!
You've invested time and money in bringing skilled workers to your company. They arrive healthy and eager to contribute. But what if they end up needing emergency surgery?
Without proper coverage, your company could be looking at:
Hospital bills exceeding $3,000 per day
Potential work permit complications
Lost productivity during recovery
Damaged reputation among the foreign worker community
Even after provincial coverage kicks in, significant gaps remain. Most provinces don't cover the coverage that workers rely on, such as dental, vision, prescription medication, and the growing mental health costs.
What About Traditional Group Insurance?
Some employers try adding foreign workers to their existing employee group plans.
While well-intentioned, this approach might backfire because traditional group insurance wasn't designed for the unique needs of temporary foreign workers.
Common issues include gaps in coverage during provincial waiting periods and complex eligibility requirements. Plus, you may find there are language barriers in claims processing and little to no consideration for workers' families back home.
The last thing you want is for your foreign workers to face unexpected medical expenses or have their families left without coverage. That's why it's important to consider alternative insurance options tailored for temporary foreign workers.
FWCHP – Built for Your Business, Designed for Your Workers
Unlike generic insurance products retrofitted for foreign workers, FWCHP was specifically created for Canadian employers hiring temporary foreign workers.
While many healthcare options leave you with gaps in coverage, FWCHP provides comprehensive coverage for your workers and benefits for your company. Rather than sacrificing the health and well-being of your workers, choose a reliable and tailored solution.
Company-Focused Benefits
One simple invoice for all your foreign workers
Consolidated administration through our TPA platform
Direct billing arrangements with healthcare providers
Compliance documentation ready for government audits
Dedicated ambassadors who understand your industry
Employee-Compassionate Coverage
Life insurance protects families back home
Income replacement for illness or injury
Full supplementary health coverage from day one
Coverage throughout the entire contract period
Best of all, getting started with FWCHP takes just three simple steps:
Book a call with our ambassadors
Get covered with comprehensive protection
Stay protected throughout your workers' contracts
No complex applications. No coverage gaps. No compliance worries. You get to enjoy peace of mind, knowing that your employees are well taken care of while they work hard for your company.
Our dedicated ambassadors will guide you through the process and ensure that all necessary documentation is in place for government audits.
Your Options At a Glance
Don’t Risk Operating Without The Right Coverage
Every day without proper coverage is a risk to your business and your workers. While other plans leave gaps that could cost you thousands, the FWCHP provides the comprehensive protection smart employers depend on.
Don't wait for a crisis to realize your coverage isn't enough.
Contact us today to discover how we make protecting your foreign workers simple, comprehensive, and affordable. Because when you choose People Corporation, you're not just buying insurance – you're investing in your workforce's future and your business's success.
Looking to provide your foreign workers with the necessary healthcare coverage?
Click through the video below to learn about the FWCHP.
