Insurance

The NHPC has strong relationships with insurance providers, as they often can be an essential part of a holistic health professional's practice.

Client Insurance Claims

All 2,200-hour massage therapy trained NHPC members are recognized and eligible for all insurance provider direct-billing systems in unregulated provinces and territories.

The NHPC has negotiated eligibility agreements with several insurance companies and advocates on the behalf of all NHPC-recognized modalities.

The NHPC:

  • advocates for the recognition of holistic health treatments in extended health/wellness plans
  • promotes practitioner competencies
  • supports members with eligibility requirements
  • builds relationships with insurance benefits providers

Practitioner Insurance Coverage

The NHPC offers three types of insurance coverage to practitioners:

  1. Medical Malpractice Insurance (mandatory)
  2. Commercial General Liability (CGL) Insurance (optional add-on)
  3. Contents Insurance (optional add-on)

All insurance coverage options are national (members retain insurance coverage with their membership if they relocate to a different area in Canada), occurrence based, and have a flat rate for all NHPC-recognized holistic health practices.

Medical Malpractice Insurance

  • Provides coverage for claims brought against you for professional negligence.
  • Professional negligence is the failure to exercise due care, knowledge, and skill when working with your client/patient.
  • Includes claims in which the client alleges that your treatment has caused them sickness, disease, or bodily injury.

Commercial General Liability Insurance

  • Provides coverage for liability claims brought against you for negligence due to the surroundings.
  • Includes, but is not limited to, claims for slips and falls, allergic reactions, and damage caused to premises due to negligence.

Contents Insurance

  • Covers the replacement cost of physical property and equipment owned by the member from loss.
  • Covers the loss of income-producing ability when the loss or damage is caused by an insured peril such as fire, water damage, or explosion.
  • Protection is only provided to a member's contents. Damage to physical buildings is not covered.

Insurance Selection Guide (PDF)