📌 What is it?
The Health Insurance Extension service allows the employer to offer their workers health insurance supplements financed through their cafeteria budget.
The employer remains the policyholder with the insurer — the worker's budget covers the cost of the premium, with no social contributions or withholding tax applied.
ℹ️ This service does not go through the payroll export. The worker's cafeteria budget directly offsets the cost of the premium paid by the employer, with no reimbursement or expense advance required from the worker.
⚠️ To be eligible, the worker must be affiliated with the employer's group health insurance.
🏥 Getting in touch with your insurer
Before any configuration in RewardFlex, you must:
Contact your insurer to define the extensions you wish to offer your workers (extended coverage, addition of family members…).
Agree on the monthly rates per extension type.
These elements will serve as the basis for creating your add-ons in RewardFlex.
⚙️ Service configuration
1️⃣ Activate the service
In Budgets Plans, activate the Health Insurance Extension service for one or more plans from your employer interface. Once activated, the service becomes visible to workers in the relevant plans.
2️⃣ Create your add-ons
Before workers can use the service, you must create at least one add-on in your settings.
Go to Settings → Cafeteria Plan → Health Insurance Extensions, then create your add-ons. For each add-on, you can define:
The provider (insurer)
The add-on name (e.g.: "Family hospitalisation plan")
The monthly price covered by the worker's budget
A monthly quantity limit (e.g.: max 1 or 2 add-ons per worker, or unlimited)
Add-ons can cover an extension of the existing coverage and/or the addition of family members living under the same roof as the beneficiary.
🛠️ Validating requests
When a worker submits an add-on request, it appears in your interface for validation. You can approve or reject each request.
Once approved, the add-on is active and the defined monthly cost is automatically deducted from the worker's cafeteria budget.
✅ Activating the extension with the insurer
After validating the worker's request in RewardFlex, you must confirm the activation of the extension with your insurer, so that the coverage is effectively put in place for the worker concerned.
🔄 Duration and renewal
By default, an add-on remains active until the end of the current year.
On January 1st, it is automatically renewed for the following year, with no action required from the worker.
⚠️ If you modify the price of an add-on or delete it, the active add-on stops automatically and no further deductions are made. The worker will need to submit a new request (to be validated again by the employer) to continue benefiting from the extension.
📤 End of contract
When the employment contract ends, no further deductions are made. A comparison between the budget made available and the amounts already deducted will be carried out at the end of the contract, and any difference will be settled in accordance with the general cafeteria plan policy.
The worker may refer to the terms of their insurance contract to explore the possibility of continuing coverage on a private basis.