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Group insurance


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Group Top-up Health and Pension Insurance

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    Your dedicated adviser will guide you on

     Risk analysis

     Placement strategy

     Advice if you need to make a claim

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Managing benefits and all the services associated with them is often a factor in selecting the business’s insurance partners.

Suisscourtage does its utmost to solve the equation by combining a renowned manager and a specialist insurance organization with a solid reputation for solvency, offering the best solution for the requirements agreed with its client.

One example of a popular service is offering a smartphone app that provides simple access to your third-party payer card and reimbursements in real time, allows you to send documents and supporting evidence simply by taking a photo, or find the location of all health professionals in the care network.

The compulsory insurance organizations often provide limited benefits in the case of illness, inability to work (sick leave), disability allowance (partial or total permanent inability to work), death, pension-savings and dependency.

The main aim of the group insurance policies taken out by a business to benefit a particular group of employees is to supplement the various benefits provided by the French social security system (SS) or the Social Services Compensation Fund (CCSS) in Monaco.

The “social protection” offered to staff by the business is a motivating factor for employees. Protection for themselves and their family gives them a sense of security and well-being.

Moreover, the business’s approach is supported by social security and tax incentives. Insurance cover of this kind offers multiple benefits to both employers and employees:

For the employee

  • Significantly lower costs because of the collective nature of the scheme and the fact that it is fully or partially funded by the employer;
  • Identical contributions for each category of employee, regardless of age, including those who are about to retire;
  • Level of cover often higher than on an individual basis;
  • Generally speaking, no medical check-up is required and there are no waiting periods for particular illnesses.

For the employer

  • Maintains productivity: a group insurance scheme, including an employee assistance program, is the perfect tool for ensuring that employees can stay focused on their work, to minimize absences and support their return to work as quickly as possible.
  • Encourages loyalty and attracts employees: group insurance schemes represent a significant portion of employees’ total remuneration. They therefore foster commitment and increase employee satisfaction.
  • Employers are incentivized to offer this type of scheme by the public authorities, in return for allowances in relation to social security contributions and tax.

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