Prévoyance en entreprise
Avantages flexibles
Permet aux salariés d'ajuster eux-mêmes leurs niveaux de garantie dans les limites fixées par l'employeur, lors d'une fenêtre annuelle, afin qu'un même régime convienne à un salarié de 24 ans comme à un salarié de 54 ans.
Centre-ville de Dublin
À qui il s'adresse
Employeurs exploitant une plateforme d'avantages flexibles
Ce qu'il fait
- Niveaux de garantie choisis par le salarié dans des fourchettes définies
- Fenêtre annuelle de choix avec plafonds sans formalités médicales
- S'intègre aux plateformes d'avantages sociaux existantes
- L'employeur garde la maîtrise du socle de garantie
Le produit en détail
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.
Documentation
La documentation produit est remise aux intermédiaires accrédités. Demandez-la à votre souscripteur, ou demandez-la via le formulaire de demande.
- Description du serviceSur demande
- Spécification du flux de donnéesSur demande
Comment cela fonctionne
Ce qui se passe, dans l'ordre
De la première demande jusqu'à la mise en place de la garantie, du contrat ou de la ligne.
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.
Les chiffres
Un exemple chiffré
Des calculs donnés à titre indicatif, pour que la structure du produit se voie plutôt qu'elle se décrive. Rien ici n'est une offre ni une projection.
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.
Voir ces chiffres sous forme de tableau
| 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 |
Adéquation
Où Avantages flexibles trouve sa place
Les cas auxquels il répond, ceux auxquels il ne répond pas, et ce qu'un souscripteur demande avant de tarifer.
C'est la bonne réponse lorsque
- 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.
Il faut regarder ailleurs lorsque
- Smaller schemes, where the integration cost is not repaid.
- Employers with no platform to feed the selections from.
Ce qu'il nous faut pour tarifer
- 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.
Questions
Ce que les courtiers nous demandent sur ce produit
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.
Demander des informations
Interrogez-nous sur Avantages flexibles
Le formulaire parvient à un souscripteur à Dublin. Si vous êtes intermédiaire, dites-le et nous l'orienterons vers le bureau courtiers.