How often these situations occur in the workplace? We are all exposed to the possibility of suffering an illness or serious injury to prevent us from working.
Monday. 8:17 a.m.
- Good morning boss. Sorry, but today I can not go to work.
- Cast? What happens?
- I had a really bad night ...
Consequently we will miss working in our company, in either case and until we recover, with the reassurance that our job will be waiting for us after a sick leave .
As usual in a situation like this can help, let a health insurance companies . At the end of the day , the employee health is the health of companies, whether they are large multinationals or SME - even more importantly, where each piece takes on greater importance if it fits into gear. The insurance helps in treating ailments and serves as proof to the employer regarding the condition of the employee.
For each other
Health insurance companies have emerged to serve helps both parties, managers and employees . The former may have important benefits for hiring a product in the industry: first, helping to ensure the right of workers to care for their health, offering them an important incentive that contributes to your happiness, work motivation and loyalty to the company that has hired him.
Help manage absenteeism at work is another reason. Absences for doctor visits tend to be in this case shorter compared to other health systems and is usually reduced waiting time. Even some insurance companies include in their coverage providing care services and provide interested companies hiring dental insurance to complement the general health.
Beyond these reasons, hiring health insurance for employees may also have economic benefits for the company, since the expenditure made by the company is deductible from corporate income tax.
Across the river , employees beyond his greatest satisfaction at work, have a more convenient and faster medical service available and also enjoy economic benefits. The first 500 euros to be used to pay for health insuranceneed not be included in the statement of income. So the impact on the worker's income is higher, as it is not retained anything of that part.
Health insurance companies also help, albeit in a small way, to promote reconciliation between work life and personal both managers and employees.
Adapted to any company
Of course, this kind of products must be adapted to the type of business, mainly considering the number of workers consisting -not the same secure a multinational that an SME - and the type of activity that the firm develops - it is not the same company working with heavy machinery advertising- agency. The type of product and, of course, the insurance prices depend on variables how are you, where we must not forget the average age of theworkforce.
We must also say that insurance companies may be intended to cover all employees of a company (what are known as closed groups ) or offered to workers as optional insurance contracts ( open groups ). In the first case the company would take a single collective insurance would pay in full or through payroll percentages of each person.
Finally, one can not fail to mention a mixed system that some brands perform when hiring your health insurance companies: the co - financing . This system enables a portion of the premium is paid by the related company and one for each discounted employee payroll.
In this area, as in almost all insurance, there are customized solutions for every case and a professional insurance agent help you choose the most appropriate.