The Health insurance extension service allows the employer to offer their employees health insurance supplements financed via their cafeteria budget.
The employer remains the policyholder with the insurer - the employee's budget covers the cost of the premium, without any social security contributions or withholding tax applying.
ℹ️ This service does not go through the payroll export. The employee's cafeteria budget directly offsets the cost of the premium paid by the employer, without reimbursement or advance of costs for the employee.
⚠️ To be eligible, the employee must be affiliated with the employer's collective 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 employees (extended coverage, addition of family members…).
Agree on the monthly rates per type of extension. These elements will serve as the basis for creating your add-ons in RewardFlex.
⚙️ Configuration of the service
1️⃣ Activate the service
In Budgets, activate the Health insurance extension service for one or several plans from your employer interface. Once activated, the service becomes visible to the employees of the relevant plans.
2️⃣ Create your add-ons
Before employees 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 name of the add-on (e.g.: "Family hospitalisation plan")
The monthly price covered by the employee's budget
A monthly quantity limit (e.g.: max 1 or 2 add-ons per employee, or unlimited)
The 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.
✅ Validation of the requests
When an employee 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 employee's cafeteria budget.
🔛 Activation of the extension with the insurer
After validating the employee'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 relevant employee.
📋 Duration and renewal
By default, an add-on remains active until the end of the current year.
On 1 January, it is automatically renewed for the following year, without any action required from the employee.
⚠️ If you change the price of an add-on or delete it, the active add-on stops automatically and no further deduction is made. The employee will have 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 deduction is 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 employee can refer to the conditions of their insurance contract to explore the possibility of continuing the coverage privately.