Our story
Benefits for people who care for themselves.
Contractors and the self-employed are the fastest-growing part of the Canadian workforce - and the last to get real health benefits. Zemma helps people protect themselves and maximize every healthcare dollar.
And the bigger stuff when it matters.
See what you could save
A simple way to see what more dollars for care looks like.
Set your annual health spending and tax bracket. Zemma turns that into more real dollars available for actual healthcare.
Marginal tax bracket
Additional dollars for health care
$1,600
Estimated using a 40% marginal rate · Above average for self-employed Canadians
Three reasons the old model is broken.
The money problem
Insurance was invented for risk. Not cleanings.
Traditional benefits run routine care through an expensive insurance machine. Zemma splits risk from spending.
Insure what matters →The renewal problem
Benefits shouldn't feel like an annual surprise attack.
Traditional plans act like stable perks, then turn into a weird repricing ritual every year.
Why renewals are broken →The design problem
One plan can't fit an entire company.
A 24-year-old, a parent of three, and someone doing weekly therapy do not want the same thing.
Why one plan can't fit everyone →Simple enough to explain in three steps.
No jargon. No confusing paperwork. Just a cleaner system for getting more employer dollars to actual care.
Open your Zemma account
5 minutes. No broker. No medical questions. Works for sole proprietors and incorporated professionals alike.
Pay for care normally
Dental, prescriptions, therapy, vision, massage, fertility, and 130+ more CRA-eligible expenses. Keep the receipt.
Submit and get reimbursed
Zemma processes the claim and the spend runs through your business as a full deductible health expense.
Standardize the budget. Not the person.
The employer can keep spend consistent, while each employee uses the value differently based on what real life actually looks like. Cleaner for the company. Better for the human.
The average employee does not exist. So why design a health plan around them?
Different people should be able to get different value.Wants therapy, glasses, prescriptions, and flexibility. Doesn't care about a family-oriented bundle.
Needs dental spend, recurring prescriptions, and care for multiple people - totally different priorities.
Uses physio and massage constantly, barely touches anything else, and hates paying for categories never used.
This is real. It just hasn't been packaged well.
The PHSP concept is old. The market explanation has been terrible. Zemma is basically what happens when you explain it like a sane person.
A Private Health Services Plan is a CRA-recognized structure that lets eligible health expenses run through a business as a deductible health benefit. It's been around for decades. Most people just don't know it exists.
Stop paying for health care with after-tax dollars.
No broker. No medical questions. Just a better way to help people have the right insurance in place - and make sure the most dollars possible go to actual care.