910 00 47 83 info@trebiaseguros.com
Three offices in Madrid·Broker registered with the DGSFP · Code J2795
Employee Benefits · Grupo Trebia

Look after your team and your team will look after your company.

Health, life and savings insurance for your workforce, with the tax advantages of flexible remuneration. We help you choose the right approach for your company and put it in place with you, comparing the leading insurers on the market.

Take the assessment → How it works

How much does an employee gain with flexible remuneration?

Simulate the income tax saving from paying health insurance through payroll.

Insured people in the family
Employee's marginal income tax rate
Family's annual premium–
Amount exempt from income tax–
Extra take-home pay per year–

Indicative calculation for the Spanish common tax territory: exemption of up to €500 a year for the employee, spouse and children. The actual result depends on each person's circumstances.

What it is

Employee benefits, explained

These are the insurance policies a company takes out for its workforce: health, life and savings. They protect employees and their families, strengthen their commitment to the company and make remuneration more efficient thanks to their tax advantages.

Group health

Wellbeing from day one: medical network, dental, psychology and prevention for employees and their families.

Group life

Protection for those who depend on each employee: death, disability and critical illness.

Unit-linked savings

Savings plans with company contributions and retention and loyalty bonuses for key talent.

Flexible remuneration

The employee pays for the insurance out of gross salary and takes home more: up to €500 per person per year exempt from income tax.

The context

A benefit employees notice and the company can afford

Offering employee benefits is no longer just for large corporations. It is a way to look after your people, stand out when hiring and make what you pay go further.

500 €
Exempt from income tax per insured person per year on health insurance
0 €
Extra cost to the company with flexible remuneration
30%
Maximum share of salary that can be paid in kind
Who it's for

Companies where it makes a difference

A group scheme can be set up with a small number of people, as long as at least one is on the payroll. These are the companies where it works best:

SMEs with 5 to 50 employees

The most sensitive to absenteeism and the ones making least use of the tax advantages today.

High-turnover sectors

Retail, logistics, light construction or agriculture, where keeping the team is key.

Professional firms

Pharmacies, law firms, notaries and administrative agencies with small, highly qualified teams.

Startups and tech companies

Companies that want to offer big-company benefits to attract talent.

Hard-to-replace profiles

Technical, healthcare and management staff and key salespeople.

Family businesses

A way to reward trusted employees without raising salaries.

How it is set up

Two approaches and one tax advantage

The company decides whether to offer the insurance as an additional benefit or through flexible remuneration. Either way, it is taken out as a group scheme, on better terms than individually.

Employee benefit

The company pays for the insurance and does not pass the cost on to the employee. It is an added benefit that improves total reward and team commitment.

Flexible remuneration

The company pays for the insurance and deducts it from gross salary. The cost to the company does not change and the employee takes home more thanks to the tax exemption.

€500 exempt per person per year

Health insurance is not taxed as a benefit in kind up to €500 a year for the employee, their spouse and each child. Social security contributions are unchanged.

Closed or voluntary group

You can insure the whole workforce or a group defined by objective criteria (seniority, grade), or let each employee decide whether to join.

Álava, Gipuzkoa and Bizkaia apply their own rules and the premium may be taxed as a benefit in kind; Navarre follows the common territory rules. Tax information is indicative and subject to current legislation.

Group health

Complete healthcare for the whole workforce

Health insurance for employees and their families with the leading insurers on the market. We help you choose the insurer, the medical network and the plan that best suit your team, and compare their terms for you.

Medical network

Access to the insurer's network of doctors, hospitals and centres, with or without co-payments depending on the policy.

Reimbursement

Freedom to see any doctor, with a percentage of the bill reimbursed. Highly valued by executives and key staff.

Mixed

Combines the medical network for the whole workforce with free choice for those who need it.

The price depends on the insurer, the plan, the average age of the workforce, the location and whether the group is closed or voluntary. We present comparative proposals from several insurers.

Usual cover

Depending on insurer and plan

Psychology

Sessions with psychologists, in person or online, increasingly in demand among employees.

Physiotherapy and rehabilitation

Prescribed sessions for injuries and recovery.

Dental

Included dental services and reduced fees for treatment.

Prevention and check-ups

Medical check-up and prevention programmes for employees and their families.

Second medical opinion

Assessment by leading specialists for serious diagnoses.

Telemedicine

Video consultations, medical chat, prescriptions and admin from the insurer's app.

Better terms the larger the group

They vary by insurer

Medical underwriting

Small groups may be asked to complete a health questionnaire; above a certain size many insurers waive it.

Pre-existing conditions

Acceptance of pre-existing conditions is broader the larger the group.

Waiting periods

Some waiting periods can be waived, especially for those who were already insured elsewhere.

We tell you each insurer's specific requirements when we present the proposals.

Life and savings

Peace of mind for families and savings that retain talent

Many people associate life insurance only with death, but today disability matters just as much or more. Cover is tailored to each employee's job and role.

Group life

Sums insured tailored to each group

Death and disability

Financial protection for the family, with sums insured adaptable to each group.

Road traffic accidents

As a driver, passenger, pedestrian or public transport user. Very useful for sales teams.

Critical illness

Cancer, Alzheimer's, Parkinson's or heart attack, among others. After payment, the policy remains in force.

Unit-linked savings

Regular company contributions

Retention and loyalty bonuses

They reward key talent for staying with the company.

Flexible contributions

With tax advantages depending on the type chosen.

Deductible for the company

Contributions are deductible for corporate income tax.

Health, life and savings in one programme

Combining all three simplifies administration and strengthens the offer to your workforce. We design the programme around your company and negotiate the terms with insurers.

How we work

From your workforce to the right policy

A single point of contact for the company and its employees throughout the life of the policy.

1

Assessment

We get to know your workforce, the benefits you already offer and your main concerns.

2

Design

We choose the product, plan and approach: employee benefit or flexible remuneration.

3

Proposal

We price it using your age profile and explain our recommendation in writing.

4

Implementation and management

Enrolment, communication to staff, claims handling and annual review.

Free assessment

Find out what you can offer your team

Answer a few questions about your company and a specialist will prepare a tailored employee benefits proposal for you.

  • We tell you which approach fits: employee benefit or flexible remuneration
  • No obligation
  • A specialist who supports you throughout the policy

Your company's assessment

It will take you less than two minutes.

When you send it, your email will open with your answers addressed to info@trebiaseguros.com.

Frequently asked questions

What clients usually ask us

What is the minimum number of employees?

Many insurers allow group health schemes from a small number of people, as long as at least one is on the payroll. Terms improve as the group grows: less medical underwriting and broader acceptance of pre-existing conditions. We tell you each insurer's requirements.

Do I have to insure the whole workforce?

No. You can insure the whole company or a group defined by objective criteria, such as seniority or grade (closed group). You can also let each employee decide whether to join (voluntary scheme); in that case the premium is based on the company's age profile.

Does flexible remuneration cost the company more?

No. With flexible remuneration the insurance is paid out of the gross salary the employee already earns, so the cost to the company does not change. The employee gains because that portion is exempt from income tax up to €500 a year per insured person.

Can family members be included?

Yes. Health insurance can cover the employee's spouse and children, and the tax exemption applies to each of them up to €500 a year.

What happens to waiting periods if I'm switching insurer?

It depends on the insurer and the size of the group. In many cases some waiting periods can be waived, especially for those switching from another insurer, while the longer ones usually remain. We set this out in each proposal.

Does the same apply in the Basque Country?

No. In Álava, Gipuzkoa and Bizkaia, regional rules may treat the premium as a taxable benefit in kind. Navarre follows the common territory rules. We review this case by case.

Contact

Talk to our employee benefits team

Tell us how many people are in your team and what you would like to offer them, and we will suggest the best approach, with no obligation.

Head office
Madrid
C/ La Reina, 17 – 2ª
28004 Madrid
910 00 47 83
Madrid South office
Navalcarnero
C/ de la Constitución, 87
28600 Navalcarnero
918 10 10 10
East office
Campo Real
C/ Obispo, 2 Bajo C
28510 Campo Real
918 73 34 47
Opening hours
Monday to Thursday09:00 – 14:00  y  15:00 – 18:00
Friday08:00 – 15:00
July and AugustTodos los días: 08:00 – 15:00
Insurers
We work with the leading health, life and savings insurers. Information is indicative and non-contractual, subject to the terms of each policy.