The Problem 

Insurance covers illness—but not delay. When care is postponed, product limits, elimination periods, and private costs can create financial exposure even when coverage exists.

The Insight 

CHAP™ clarifies how delays, insurance design, and private funding realities interact—revealing where access risk becomes financially material.

Who It's For?  

Advisors and planning professionals who need structural clarity on healthcare delays, product limits, and emerging private healthcare costs.

What You'll Gain 

Professional Edge     

Develop structural clarity on how healthcare delays create financially material exposure—even when coverage exists.

Planning Framework   

Learn how to evaluate insurance design limits, timing sensitivity, and private funding realities within modern healthcare planning.

Business Growth 

Strengthen your authority by addressing access risk where traditional planning assumptions fall short.

Recognition & Governance 

CHAP™ is governed by ICHAP™, an independent not-for-profit standards body. The Board of Directors—spanning healthcare, insurance, legal, and provider expertise—oversees ethics, standards, and examinations. CE accreditation with leading bodies is in progress.

Enrollment Path 

Enrollment is simple and immediate. Register online, pay securely, and begin the program right away. No approvals or wait times. Upon successful completion, participants receive the CHAP™ designation and certificate. To maintain the credential, a short annual refresher course is required.

How It’s Delivered

Delivered fully online by CarePath Education Group, an ICHAP™ authorized provider. The program includes self-paced modules, knowledge checks, case studies, required readings and text, and a final evaluation. Physical material is available on request.  

Curriculum

6 Chapters · 78 Lessons

  1. 1

    Course Overview

    1. (Included in full purchase)

      Welcome to Course 2: Delays, Gaps & The Cost of Access

    2. (Included in full purchase)

      Required Reading

  2. 2

    Module 1: Healthcare Planning Products

    1. (Included in full purchase)

      Introduction to Module 1

    2. (Included in full purchase)

      Traditional Healthcare Products

    3. (Included in full purchase)

      Disability Insurance

    4. (Included in full purchase)

      The Definition That Matters

    5. (Included in full purchase)

      Elimination Periods and Delayed Benefits

    6. (Included in full purchase)

      Benefit Calculations and Plan Limits

    7. (Included in full purchase)

      Income Type Restrictions

    8. (Included in full purchase)

      Underwriting Barriers and Exclusions

    9. (Included in full purchase)

      Critical Illness Insurance

    10. (Included in full purchase)

      Limited Conditions and Coverage Definitions

    11. (Included in full purchase)

      Survival Period and Proof Requirements

    12. (Included in full purchase)

      Coverage Amounts and Group Policy Limits

    13. (Included in full purchase)

      Exclusions, Underwriting, and Post-Claim Insurability

    14. (Included in full purchase)

      Health & Dental Plans

    15. (Included in full purchase)

      Supplemental by Design

    16. (Included in full purchase)

      No Control Over Benefits

    17. (Included in full purchase)

      Coverage Caps and Maximum Limits

    18. (Included in full purchase)

      Portability Problems

    19. (Included in full purchase)

      Lower Coverage Amounts by Nature

    20. (Included in full purchase)

      Why This Matters

    21. (Included in full purchase)

      Quiz: Test Your Knowledge!

  3. 3

    Module 2: Rethinking Traditional Healthcare Planning

    1. (Included in full purchase)

      Introduction to Module 2

    2. (Included in full purchase)

      The Traditional Objectives of Healthcare Planning

    3. (Included in full purchase)

      Understanding Assumptions

    4. (Included in full purchase)

      Embedded Assumptions in Healthcare Planning

    5. (Included in full purchase)

      When Assumptions No Longer Hold

    6. (Included in full purchase)

      Why Traditional Healthcare Planning Must Be Reassessed

    7. (Included in full purchase)

      Why This Matters

    8. (Included in full purchase)

      Quiz: Test Your Knowledge

  4. 4

    Module 3: Understanding Canada's Private Healthcare System

    1. (Included in full purchase)

      Introduction to Module 3

    2. (Included in full purchase)

      The History of Private Healthcare in Canada

    3. (Included in full purchase)

      How the Canadian Government Views Private Care

    4. (Included in full purchase)

      The Legacy of the Canada Health Act

    5. (Included in full purchase)

      Medically Necessary: The Phrase That Shapes Everything

    6. (Included in full purchase)

      How Private Healthcare Is Regulated in Canada

    7. (Included in full purchase)

      How Private Care Operates in Practice

    8. (Included in full purchase)

      The Growth of the Private Sector

    9. (Included in full purchase)

      Why Policy and Regulation Allow This Growth

    10. (Included in full purchase)

      Who Is Participating — And Why This Is Not Fringe

    11. (Included in full purchase)

      The Layered System of Private Services

    12. (Included in full purchase)

      Layer One: Preventative, Primary, and Access Stabilization

    13. (Included in full purchase)

      Layer Two: Advanced Access, Intervention, and Global Care

    14. (Included in full purchase)

      How the Layers Interact — and Where Risk Emerges

    15. (Included in full purchase)

      The Cost of Private Healthcare

    16. (Included in full purchase)

      Coverage Without Certainty

    17. (Included in full purchase)

      Cost as a Structural Outcome of Delay

    18. (Included in full purchase)

      Cost by Layer: How Exposure Escalates

    19. (Included in full purchase)

      Why Timing Matters More Than Coverage

    20. (Included in full purchase)

      Financial Consequences of Time-Sensitive Access Decisions

    21. (Included in full purchase)

      What These Costs Look Like in Practice

    22. (Included in full purchase)

      Planning Exposure Created by Private Healthcare Costs

    23. (Included in full purchase)

      Why This Matters

    24. (Included in full purchase)

      Quiz: Test Your Knowledge!

  5. 5

    Module 4: Private Healthcare Cost Solutions

    1. (Included in full purchase)

      Introduction to Module 4

    2. (Included in full purchase)

      Paying for Private Healthcare In Canada

    3. (Included in full purchase)

      What a PHSP Is — and What It Is Not

    4. (Included in full purchase)

      Eligible Expenses: The Non-Negotiable Boundary

    5. (Included in full purchase)

      Operating Within a PHSP

    6. (Included in full purchase)

      Health Spending Accounts (HSAs)

    7. (Included in full purchase)

      Cost Plus Arrangements

    8. (Included in full purchase)

      Administrative Services Only (ASO) Plans

    9. (Included in full purchase)

      Who Can Establish a PHSP — and Who Cannot

    10. (Included in full purchase)

      Where the PHSP Framework Ends

    11. (Included in full purchase)

      Insuring the Cost of Medical Treatment

    12. (Included in full purchase)

      Core Product Structure

    13. (Included in full purchase)

      Underwriting and Eligibility

    14. (Included in full purchase)

      Deductibles, Limits, Cost Sharing and Taxation

    15. (Included in full purchase)

      Medical Concierge and Care Coordination Services

    16. (Included in full purchase)

      Corporate Plan Enhancements and Optional Riders

    17. (Included in full purchase)

      Where Insurance and Reimbursement Stop

    18. (Included in full purchase)

      The Medical Expense Tax Credit (METC)

    19. (Included in full purchase)

      Why This Matters

    20. (Included in full purchase)

      Quiz: Test Your Knowledge

  6. 6

    Module 5: Final Review & Assessment

    1. (Included in full purchase)

      Coverage, Access, and the Cost of Waiting

    2. (Included in full purchase)

      Course Assessment

    3. (Included in full purchase)

      Final Exam

Ready to take your career to the next level? 

Healthcare access risk is one of the fastest-growing exposures facing Canadian clients—yet most advisors lack the framework to properly assess or plan for it. By becoming CHAP™ certified, you position yourself among the first in Canada equipped with the structural knowledge and strategic clarity to identify access risk and address it confidently. Stand out now—before this becomes the industry standard. Join the movement. Bridge the gap. Become a CHAP™.

$599.99

Enroll Now!