The management of corporate benefits has long ceased to be just part of the protocol in the Human Resources area. Today it is an important part of the talent retention and attraction strategy, which directly impacts productivity and satisfaction levels within the organization. Among the most common “privileges” is the corporate health plan.
No wonder this is the most impactful benefit in the package: 9 out of 10 companies offer health plans. Find out, following the reading, how it works!
What is the business health plan?
Business health plan is a corporate benefit offered by companies to their employees. These plans are negotiated between the company and the health care provider and generally offer more affordable prices (or even free) and more comprehensive coverage than individual plans.
The services provided by a corporate health plan vary according to the contract entered into between the company and the operator, such as the Bradesco Empresarial health plan. However, they usually include medical consultations, laboratory tests, surgical procedures, hospitalizations, among other health services.
They can be hired by companies of any size, from small businesses – in this case, there is an SME health plan, to large corporations. This is a way of valuing and attracting talent to the company. In addition, offering a medical plan can help reduce absenteeism and increase employee productivity, as they have access to qualified health services.
Comprehensive corporate health plan
In the integral business health plan, the company pays the total monthly fee of the agreement. Thus, the employee and their dependents do not need to disburse anything to use the plan.
Business plan with co-payment
Here, the company shares the monthly fee with the employee, who pays only when the health plan is used. Otherwise, neither the company nor the employee pay, right?
In short: the integral is linked to monthly fees, while co-payment must be paid with each use. These are the most common modalities in this business world.
Is it possible to include dependents?
Employees can, yes, include dependents in their corporate health plan. But it is necessary to check if the company’s agreement allows this additional, after all, each contracted product works in a different way.
It is important to check factors such as how many lives can be made available for each worker in the plan, and after that, follow the rules for adding dependents. Check out:
- Spouse and Partner: husband, wife.
- 1st degree blood relatives: father, mother, children;
- 2nd degree blood relatives: grandchildren, grandparents;
- 3rd degree blood relatives: great-grandchildren, great-grandparents.
Outside these levels of relationships, it is not possible to add dependents.
It is also worth remembering that corporate health plans usually have value changes according to age. In the case of the elderly, the price of the agreement is usually higher than that of a child, for example.
Learn how to choose the ideal health plan for your company
Choosing a corporate health plan will certainly be a complex task, but it is essential to ensure the health and well-being of the team of employees and is part of behavioral management. In order to choose the best business health plan for your company, assess your company’s needs, analyze the network of service providers, consider the scope of coverage, check the operator’s reputation, think about costs and what fits in your pocket .