Protección para empresas
Beneficios flexibles
Permite a los empleados ajustar sus propios niveles de cobertura dentro de los límites fijados por el empleador en una ventana anual, de modo que un mismo plan sirva tanto a alguien de 24 años como a alguien de 54.
Centro de Dublín
Para quién es
Empleadores que gestionan una plataforma de beneficios flexibles
Qué hace
- Niveles de cobertura elegidos por el empleado dentro de bandas establecidas
- Ventana anual de selección con límites sin cuestionario médico
- Se integra con las plataformas de beneficios existentes
- El empleador mantiene el control del nivel mínimo de prestación
El producto en detalle
A single scheme design cannot suit a twenty-four-year-old with no dependants and a fifty-four-year-old with a mortgage and two children in school. One of them is paying for cover they do not value; the other has less than they need. Flexible benefits lets each of them choose, inside boundaries the employer sets.
The employer keeps control of two things: the core benefit floor, which nobody can go below, and the bands within which employees may flex. Inside those bands there is an annual selection window with medical-free limits, so an employee increasing their cover at the window usually does so without medical evidence. Selections outside the window, or above the medical-free limits, are underwritten in the ordinary way.
The mechanics are mostly a data problem, which is why the service description is about integration. Cover levels have to reach the insurer and the payroll from the benefits platform the employer already runs, and they have to be reconciled. The data feed specification exists so that a scheme’s selections and its premiums cannot drift apart, and the minimum scheme size of 100 members reflects the fixed cost of getting that right.
Documentación
La documentación de producto se facilita a los intermediarios acreditados. Pídala a su suscriptor o solicítela mediante el formulario de consulta.
- Descripción del servicioA petición
- Especificación del envío de datosA petición
Cómo funciona
Qué ocurre, en orden
Desde la primera consulta hasta el momento en que la cobertura, el contrato o la línea queda en vigor.
The employer sets the floor and the bands
A core benefit nobody drops below, and the range each benefit may be flexed within.
The data feed is specified and tested
Between the employer’s benefits platform and the scheme, against the data feed specification. From 100 members.
Employees select at the annual window
Within the bands, and within the medical-free limits.
Selections above the limits are underwritten
Individually, as they would be on a conventional scheme.
Cover and premium are reconciled each period
From the feed, so what the platform shows an employee and what the scheme insures are the same thing.
Las cifras
Un ejemplo resuelto
Cálculos ilustrativos, para que la forma del producto se vea en lugar de describirse. Nada de lo que aquí figura es una oferta ni una proyección.
Two employees, one scheme
The same employer design, and what two very different members choose at the window. Illustrative.
- Employer core floor, all members
- 2× salary
- Flex band available
- 2× to 8× salary
- Medical-free flex limit
- Up to 6× salary
- Member A, aged 24, salary £34,000No dependants; keeps the core and spends the allowance elsewhere
- Selects 2× — £68,000
- Member B, aged 54, salary £62,000
- Selects 6× — £372,000
- Member B, medical evidence requiredAt the window and within the 6× medical-free limit
- None
- If member B had selected 8×
- Individually underwritten
Illustrative. The bands, the floor and the medical-free limits are set for each scheme at quotation, and the premium follows the selections through the data feed rather than being fixed per member.
One design, two selections
Cover selected by the two illustrative members above, against the employer floor.
Ver estas cifras en una tabla
| Employer core floor | Employee-selected flex | |
|---|---|---|
| Member A, aged 24 — Core only | £68k | £0k |
| Member B, aged 54 — Core plus four further multiples | £124k | £248k |
Idoneidad
Dónde encaja Beneficios flexibles
Los casos que resuelve, los que no, y lo que un suscriptor necesita antes de tarificar.
Es la respuesta adecuada cuando
- Employers of 100 or more with a benefits platform already running.
- Workforces with a wide spread of ages and circumstances.
- Employers who want to keep a guaranteed floor while offering choice above it.
Conviene mirar otra cosa cuando
- Smaller schemes, where the integration cost is not repaid.
- Employers with no platform to feed the selections from.
Lo que necesitamos para tarificar
- 1.The core floor, the flex bands and the medical-free limits wanted.
- 2.The benefits platform in use, and a technical contact for the data feed.
- 3.The scheme data template, and the selection window dates.
Preguntas
Lo que los corredores nos preguntan sobre este producto
Can an employee reduce cover below the core?
No. The floor is the employer’s guarantee and it is not flexible — that is what distinguishes a flex scheme from an entirely voluntary one.
What happens between windows?
Selections normally change at the annual window. Life events are handled under the scheme’s own rules, which are agreed at quotation.
Does the data feed replace the scheme data template?
No. The template establishes the scheme; the feed keeps selections and premiums aligned once it is running.
Solicitar información
Consúltenos sobre Beneficios flexibles
El formulario llega a un suscriptor en Dublín. Si es intermediario, indíquelo y lo dirigiremos a la mesa de corredores.