Business Insurance
Group Health Insurance
Basic Coverage
In this category of insurance, the benefit is Death and Disability funds due to illness or accident.
They are given either as an amount or in relation to the employee’s monthly gross salary.
Coverage funds for Serious Illness can be added optionally.
With this benefit we ensure the viability and life quality of our employee and his family.
Health Coverages
In addition to Basic Insurance coverage, group insurances usually include hospital care facilities.
The program is configured as desired by the employer and of course priced accordingly.
This means that he can choose:
- The maximum annual coverage fund for hospital care costs
- The coverage room (Single, Double or Triple)
- The coverage rate in hospitalizations
It is customary to have an annual deductible amount.
Beneficiaries in such a program can either extend their coverage with an individual health insurance plan (to have higher coverage limits) or adjust the cost to an existing individual health plan in order to save money. It is also possible to add the family members of the insured at a cost covered either by the employer or the insured himself.
Primary Care Coverage
In addition to Basic Insurance and Health Coverage, the employer can enrich group coverage with Primary Care coverage.
They will need to choose:
- An annual coverage fund that every insured person can use for doctor visits, diagnostic tests and physiotherapies.
- As well as the coverage rate.
It is customary to have an annual deductible amount.
The advantage here is that in addition to the network of collaborating doctors and diagnostic centers of the insurance company, the insured can use his personal doctors and diagnostic centers respectively.
All Risks
One possibility of wider protection than that offered by the Named Risk contract is the insurance with the All Risks contract.
This insurance policy does not name the coverages, but only the exceptions are explicitly mentioned.
In this way, all damaging events that do not fall under the exceptions are covered, offering substantial redress in case of damage, from any usual risk, but even from a risk that has not been foreseen.
General Liability and Employer Liability Insurance
General Liability
General Liability insurance covers financial claims of third parties, for material damages or even body injuries, which may suffer, through negligence, acts / omissions of the insured company, due to its operation.
Employer Liability Insurance
Employer liability insurance covers the statutory civil liability of the employer to his employees for claims arising from body injury / death that may be incurred during the performance of their duties, as well as monetary compensation for non-pecuniary damage or mental anguish. (Articles 657, 658 – 932 of the Civil Code).
Group Pension Insurance
About Group Pension Insurance
Starting such a program for the employees, a money stock is created to be used by them when they retire. In this way we create stronger bonds of long-term cooperation with them, strengthen their faith in our business.
At the same time, the company itself achieves a tax exemption for the costs of the contract, deducting 100% of all premiums as an expense at the end of the year.
Also, through a group pension program, there is the possibility of transferring a bonus to employees with tax benefits for themselves.
Contributions to this type of program, apart from the employers, can be made additionally by the insured themselves, as the insurance company maintains a separate money box per insured.