APTS Insurance Premium Calculator

This tool is available to give you the opportunity to calculate your premiums, per 14 days period, according to the choice of coverages you make. For more information about the coverages offered, please refer to your pamphlet « Your group plan at a glance » or your Booklet, both available in your Client Centre.

The premiums total amount provided is an estimate. Your employer’s calculation may vary from this tool depending on roundings or elements related to your personal situation. A 9% tax must be added to the premiums. The premiums are effective as of April 1, 2024.

 

Health insurance plan

Coverage status
You must select the type of coverage that will cover your spouse and children, if any, unless they are already covered by another group insurance plan.
Individual
Single parent
Couple
Family
Exemption
Coverage level
Basic Health Insurance
Intermediate Health Insurance
Superior Health Insurance
Dental Care Insurance Plan
Optional participation of 48 months
Individual
Single parent
Couple
Family
Exemption

Complementary Plan I

Gender
Female
Male
Participant's basic life insurance
Mandatory participation
1 time the gross annual salary
Participant’s Accidental Dismemberment Insurance
Mandatory participation
$15,000 to $60,000, depending on the loss

Participant's optional life insurance

Evidence of insurability is required at the time of request for increase in the amount of insurance
  X time the gross annual salary
Participant's smoking habits
Non smoker
Smoker
Long term disability insurance plan
Mandatory participation
  • 72% of the net annual salary
  • Ends at age 65
Spouse's and dependent children's life insurance
Mandatory participation
  • $5,000 for a spouse
  • $5,000 per child

Spouse's optional life insurance

Evidence of insurability is required at the time of request for increase in the amount of insurance
Spouse's gender
Female
Male
Spouse's smoking habits
Non smoker
Smoker
Your premium would be
every two weeks
This amount takes into account the premium holiday but does not include the 9% tax. From the displayed premium, deduct the employer’s contribution, if applicable, which is $12.94 for the individual status and $29.45 for the single-parent, couple and family statuses. Premiums applicable as of April 1, 2024.