Asisa Reports 902 010 010

FAQs

• What purchasing plans do I have for the Collective insurance?

  

  Open collectives: Are those collectives where the company offers the same health insurace to all the employees with special conditions, but the final purchase decision is up to the employees /> Close Collectives: The company purchases the health insurance for all the employees of the company all together on one bill. In this case, the payment of the insurance may be financed by the company, or via payroll deductions for the workers.
• How many people is necessary to register in the insurance to consider the insurance as collective?

  

  When you purchase a collective is important to take into account the number of employees, the number of men and women, type of activity of the company, the Province, etc. However, in ASISA, we have solutions for your company providing specialized products such as Asisa Self Employes, ASISA SMEs and ASISA big accounts.
• Why purchase a collective health insurance? What does it mean for the company? Has the company any type of benefit? Which benefits are: fiscal, socials, for the workers?

  

  It is a management tool very useful for Human Resources and Business Administration departments, and in ASISA we are aware of that. If the policy holder is the company, there are multiple fiscal benefits:

  • Social security payments are not increased.
  • The company will be able to totally deduct the purchase of this service as a social spending in the corporate taxes.
  • The company will have a powerful tool for the salary negotiation (when you offer a health insurance to an employee the expense is less than if you increment the salary in the same amount) .

  Also, there are social benefits:

  • Controlling the employee absenteeism: Absences due to medical visits will decrease. Reducing the waits in medical check ups and diagnosis tests also reduce the loss of working hours, an advantage in comparison with other more crowded systems
  • It also improves the image of the company Reinforces the commitment between company and employee and reduces staff turnover. These health insurances are considered as a bond of connection between the company and the employees increasing their fidelity.

  Alternatively the employee obtains different benefits: The first 500 Euros used to pay the health insurances do not have to be included in the tax declaration, increasing the salary of the employee. Promotes the conciliation: Employees will have a social benefit in their personal lifes, because they have the opportunity to register in the insurance all the family members. It is a high valued compensation.
• Is dental coverage included in the product?

  

  In our product Health care for collectives, we offer basic dental coverage, including first visits, simple tooth extractions, and a yearly mouth cleaning. Provided by our medical staff. In addition we can include in our projects higher dental coverage through ASISA dental.
• Is it possible to split the payment between the company and the worker?

  

  Yes. There are some situations where the premium may be partially payed so, one part is payed by the collective and the other part is payed by the employee.
• Is the product the same as the personal? Do i have any benefit? Do I lose any coverage because it is cheaper?

  

  Whichever plan you choose, you will have all the all the medical healt hcare coverage of ASISA Salud, our collective clients also have many additional benefits, such as a cheaper premium, inmediate access to the benefits, etc.