2023-05-17 22:32:53
A mutual fund makes it possible to supplement reimbursements made by compulsory health insurance. It allows policyholders to cover all or part of medical expenses that are not covered by basic insurance. These costs may include specialized medical consultations, non-reimbursed medicines, dental care, hospitalization costs, etc. In this article, we will explore in more detail the advantages and characteristics of company mutuals.
What is a business mutual?
A company mutual fund, or complementary collective health insurance, allows all employees to supplement their reimbursements for health costs. Since the entry into force of the ANI law in 2016, all employers in the private sector must offer their employees company mutual insurance. They have the obligation to cover at least 50% of the contributions, the rest being borne by the employees. Individual mutuals, for their part, are aimed particularly at job seekers, students, the self-employed (TNS) and retirees.
The advantages of company mutuals
Better health protection for your employees: first of all, a collective complementary health insurance allows… your employees to benefit from health coverage. Generally, company mutuals offer more favorable guarantees than an individual contract, because these are negotiated collectively. Financially, the employee is also there because part of the contributions is borne by the employer (some employers can even offer 100% coverage of the contract). The employee’s dependents can also be covered, thus limiting the overall expenses of the family.
Attracting talent and retaining employees: choosing an optimal contract represents a real social advantage for your company. This benefit is part of an approach that promotes the well-being and quality of life of your employees, and constitutes a real advantage in the recruitment and retention of your employees. The obligation to offer company mutual insurance then becomes a lever of attractiveness.
Tax and social benefits for the company: the obligation to offer a complementary health contract in the company is accompanied by social and tax advantages for the employer. Indeed, the contributions are notably deductible from income tax.
How to choose the right health insurance for your business?
Choosing a company mutual is an important decision that requires careful evaluation. If you are looking for mutual insurance for your business, here are some key points to consider when choosing the contract that will best meet the expectations of your employees.
Assess the needs of your employees: before choosing a contract, we recommend that you assess the needs of your employees. First of all, it is your sector of activity that will guide the choice of your contract (for example, employees who carry heavy loads will appreciate the coverage of osteopathy consultations). Then, you can study other criteria such as their average age or their family situation.
Compare offers: do thorough research and compare the offerings of different complementary organizations. Review warranties, reimbursement rates, exclusions, pricing, and additional services offered.
Consider customer service: good customer service is essential for a smooth and satisfying experience. Find out about the quality of the organization’s customer service, its availability, its communication channels and its responsiveness to member requests.
Read the terms and conditions carefully: before signing a contract, carefully read the terms and conditions of the complementary health insurance company. Make sure you understand the exclusions, limitations, waiting periods and reimbursement procedures. If necessary, seek clarification from a company representative. We recommend that you pay particular attention to the exclusions of guarantees, which may lead to the absence of refunds in certain specific cases.
Consider the recommendations: don’t hesitate to ask those around you for recommendations. Their personal experiences can give you valuable insight into the quality of services and customer satisfaction.
By following these steps, you will be able to choose a company mutual that best meets the expectations of your employees. Take the time to compare and make an informed decision to make the best possible choice.
Did you know that there is a company mutual that advocates more responsible and accessible health? It is the mutual committed Jaji. Jaji is revitalizing the mutualist model, whose values and missions echo an increasingly obvious social demand. This is reflected in particular by a component engagement » on their application: they offer members the possibility of getting involved in their free time thanks to a network of impact actors (blood donation, volunteer missions…). If you are looking for a responsible company mutual, in line with your values, we invite you to discover their commitments.
Conclusion :
Company mutuals play an essential role in the financial protection of individuals against health expenses. By choosing a committed company mutual, you support your CSR commitments.
Picture by Michal Jarmoluk of Pixabay
Picture by Mohamed Hassan of Pixabay
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