Between government programs, OHIP, UHIP, workplace insurance and tax credits, most families leave real benefits unclaimed. Careby finds what applies to yours — and puts it all in one plan.康伴帮您从政府福利、OHIP、UHIP、公司保险、税务和医疗资源中，整理出真正属于您的家庭福利。
Book your family benefits review →预约家庭福利评估 →
Subsidies and programs your family may qualify for.梳理适合您的政府补贴与福利项目
Learn more →了解政府福利 →
What your OHIP, UHIP and workplace plans actually cover.梳理 OHIP、UHIP 及公司保险可用权益
Learn more →了解保险权益 →
Deductions, refunds and credits you can claim.整理可申报的税务抵扣、退款与相关优惠
Learn more →了解税务优惠 →
Local health services and community programs, connected.连接本地医疗服务与社区健康资源
Learn more →了解医疗资源 →A conversation with your coordinator about your household — coverage, income and health. We then screen all four benefit areas and turn anything that applies into your family’s benefits checklist.由康伴健康管家与您进行的一次家庭情况梳理：了解家庭成员、保险、收入与健康状况后，从政府、保险、税务和医疗资源四个领域筛查可能适用的福利，并整理成一份家庭专属福利清单
Yes — it’s one of the four services included with every Careby membership. Any member can book a review.是的，健康福利规划是康伴会员四大专属福利之一，会员均可预约家庭福利评估
We do the organizing: what to apply for, which documents you’ll need, and when to act. You or your family submit the applications — and your coordinator walks you through each step if you’d like help.我们负责梳理、说明与提醒：告诉您可以申请什么、需要什么材料、何时办理。申请本身仍由您或家人提交；如需协助，健康管家会指引每一步
No. Careby is an independent company. We help families understand and use public programs and the coverage they already pay for — we’re not a government agency.没有。康伴是一家独立公司，帮助家庭了解并使用公开的政府项目，以及自身已有的保险与税务权益
Bring what you have: family basics, health cards, any insurance policies and last year’s tax summary. Missing something? Your coordinator will help you track it down.常见材料包括：家庭成员基本信息、健康卡、公司或个人保险单、上一年度报税概要。资料不全也没关系，健康管家会与您一起补齐