"Workplace Accident" and "Commute" coverage: protects your staff during workplace accidents as well as on the commute between home and work. It provides valuable supplemental protection to the legal coverage and also helps safeguard the employee's family.
This insurance reduces the financial impact on an employer when a staff member is absent due to an illness or accident.
Generally, in the event of illness or an accident (professional or private) involving a staff member, the employer must pay the first month of salary. This is known as paid sick leave.
Thus, in addition to the financial loss associated with an absent staff member, the employer must pay 100% of their salary. The insurer reimburses 90% if the absence is due to an accident at work or on the way to work.
In the event of illness, the full salary remains the employer's responsibility.
"Salary Protection Insurance", generally taken out in conjunction with the "Occupational Accident Insurance", allows the employer to recover this salary from the insurer.
The employer can therefore use this money to pay for temporary help to cover the absent employee's work or simply to offer bonuses to motivate other staff members to take on the workload.
This minimizes the financial loss (decreased productivity, delayed projects, dissatisfied clients, etc.) that inevitably arises from the absence of a staff member, especially in a well-functioning and high-performing team.
With a group hospitalization and/or health care insurance plan, you can retain your employees by offering them this coverage under very advantageous conditions.
As you know, we are fortunately living longer. This means that while we may not necessarily be sick more often, we are generally unwell for longer periods.
This has led to a consistent increase in medical expenses during hospitalization but also outside the hospital.
Medical fees as well as the cost of outpatient care are also regularly on the rise.
Coupled with the significant and ongoing reduction in reimbursements from health insurance providers, this increase in medical expenses makes hospitalisation and health care insurance essential.
With a group hospitalisation and/or health care insurance plan, you can retain your employees by offering them this coverage under very advantageous conditions.
Depending on the specifics of the contracts and your requests, this type of plan can cover nearly all of the difference between the provider's bill and the reimbursement from the health insurance.
Group Insurance for your employees allows you to offer them better compensation.
Group insurance is not exclusive to large companies; even a business with just one employee can access it. It enables you to provide better compensation at a lower cost. Both the employer and the employee benefit.
Group insurance for your employees allows you to offer them better compensation.
Take the example of a staff member who currently earns an annual salary of €30,000. For the same investment of €2,500:
▶️ If you provide a salary increase:
Your employee will receive a net amount of €640 (26%)
▶️ If you invest in group insurance:
the net premium invested will be €2,160 (86%)
This is a solution that is seriously worth considering since it allows you to better compensate your staff at a lower cost.
Moreover, currently, companies offer tailored solutions (cafeteria plans): you set the budget within a collective contract for all your employees or for a specific category, and each staff member has the option to choose the risks they want to cover. Indeed, the situation of a married worker with family responsibilities is different from that of a single person.
