Signing up for a workplace healthcare top-up scheme has several advantages for the employer and the company itself. In fact, by giving supplementary health insurance to its employees the company retains an edge in relation to its competitors and enjoys a reduction in taxes and exoneration from the social charges part of its national insurance contributions.Workplace Supplementary Health Insurance: obligatory or optional?
Usually, in small-scale businesses, it is at the initiative of the employer that a supplementary health insurance is set up. He therefore needs to decide whether signing up for the contract is obligatory or optional for his employees. The employer is obliged to inform his employees in writing, explaining the different categories of beneficiary and the advantages to them of the contract. Once informed, the employee must write a letter accepting or refusing the workplace supplementary health insurance. Some companies send out prepared forms to assist their employees in notifying their decision to accept or refuse with a simple signature.Double cover for your collective health insurance
If signing up for the workplace supplementary health insurance is obligatory for the parents, and each contract offers cover for their children, we say there is “double cover”. In this case, you need to work out which workplace supplementary health insurance offers the higher repayment. First, you should send the bills to the organization offering the best coverage. If there are still costs to cover after this, send the bills to the second company: the health expenses will be covered within the limits stated in the workplace supplementary health insurance contract. To work out the probable premium for healthcare insurance, you will need to know the determining factors taken into account by the insurers when they set the premium.
Tuesday, 5 February 2013
Owning your own home or undertaking any major expansion of a building are large projects. It is necessary to have the available funds in order to achieve this goal. Home loans are ideal if you plan to buy or renovate a property or any building. This type of credit allows you to avoid waiting years to build up the funds on your own. Of course, for a long-term debt, such as a home loan, it is necessary to have personal capital, but it is always possible to obtain financing for the full costs associated with the acquisition. What are the particularities of a home loan? This is a form of loan granted by a specialized financial institution or a bank. A specific and often substantial amount is spread out over a long period to be repaid in monthly installments. If you wish to purchase one property and sell another property, you can opt for what is called a bridge loan. Th... Lire la suite
Tuesday, 5 February 2013
If you want a new car, consider the car loan, but above all else, know that there are several steps in order to find exceptional offers with the most advantages. How to find the best car loan? First, it is essential that you define, in advance, the type of vehicle, the make and the model that you wish to buy. Then, study your budget to see if you can afford a new car or a used car. Start by evaluating the budget you want to devote to your project. It is sufficient to know the maximum monthly payment that you can pay throughout the duration of the reimbursement period. Once you have verified that your borrowing capacity does not exceed 33% of your debt level, you can move onto the next step: performing an online auto loan simulation. The online simulation is the easiest, fastest and most effective way to discover the car loan offer the most adapted to your profile. ... Lire la suite
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