Employee supplementary insurance

Depending on the contract, it usually covers hospitalisation and surgery, para-clinical services (tests and imaging), visits and medicine, dental care, glasses and maternity up to the agreed limits. Each limit and the deductible are set in the contract.

It is a key benefit for hiring and keeping people, eases employees' and families' worries about medical costs, and makes healthcare spending predictable for the organisation. Within tax rules, premiums can also count as deductible company expenses.

By matching covers and limits to your workforce's age mix and real needs, choosing a sensible deductible, and having employees share the cost of optional covers or family members. Our partner broker compares several insurers' offers so you get better cover at a fair cost.

Hospitalisation and surgery come first, as they cover large, unexpected costs. Para-clinical services, visits and medicine are the most used after that; dental and glasses can be added based on budget and staff needs.