Voluntary health insurance
Posted: Sat Jan 18, 2025 5:51 am
Voluntary medical insurance at the expense of the employer can include many services that are not provided by the compulsory medical insurance. This includes payment for medical examinations and dental appointments; inpatient treatment in non-governmental institutions is often included in the voluntary medical insurance.
Voluntary health insurance
Most often, voluntary health insurance includes:
outpatient and polyclinic care;
home doctor examination;
dental services (their specific list is usually limited);
recovery after treatment, including in sanatoriums and resort areas;
undergoing preventive procedures.
Medical care under VHI policies is job seekers data package provided 24 hours a day. They are issued for a year and limit the insurance amount to no more than 1.5 million rubles. In addition to the company employee himself, members of his family can also be served under the VHI policy.
The specific list of services is established by the contract and, in essence, is determined by the amount that the company is willing to spend on insurance. Servicing the employee and his family members will cost more. If you save money, expensive dental services will most likely be excluded from the insurance.
The most expensive policy is required by the most important specialists of the company, whose prolonged absence can cause serious problems for the company.
For the employer, an important feature of such support measures is the possibility of including the payment of voluntary health insurance in expenses for the purpose of reducing tax payments. But these amounts themselves are usually sensitive for the company's budget.
Training at the company's expense
There is no doubt that the costs of training employees are an investment in the future of the enterprise. All kinds of seminars, webinars, foreign language courses, advanced training at the expense of the employer - these measures not only allow you to increase the level of professionalism of specialists and expand their horizons, but also allow the company itself to develop more successfully. Training should not interfere with the main activities of employees.
Training at the company's expense
The cost of training can be very high. Thus, an MBA course will cost 650 thousand rubles, and abroad - even more, up to 20 thousand dollars. This measure can be useful in the following cases:
the company operates abroad or plans to expand into the international market;
Among the organization's permanent partners are foreign organizations;
International management standards are being implemented at the enterprise.
You should make sure in advance that the specialist intends to stay in your company for a long time. There is no point in investing in expensive training if you do not know how to retain the employee in the company after training, or there is no opportunity to do so.
Credit at the expense of the company
If the company has a significant financial reserve, it can offer employees a loan without interest or at a lower rate than banks offer. Such a loan must be targeted. It is possible to provide money to an employee to purchase a car, to pay the initial payment on a mortgage.
Subsequently, the loan amount is withheld from the employee's salary in a pre-agreed amount. For the employee, such a support measure is an opportunity to make purchases that his own financial resources do not allow. And in case of difficulties in repaying the debt, it is much easier to agree on a change in the payment procedure with the company than with the bank. For the employer, an effective tool for retaining a specialist appears, especially if in the event of dismissal he loses preferential terms for repaying the loan.
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When using this measure, it is better to make sure of the person's good faith. It is possible that he may receive the money and immediately quit. You can demand the return of the debt through the court, but in Russia this method does not always lead to real compensation for losses.
Voluntary health insurance
Most often, voluntary health insurance includes:
outpatient and polyclinic care;
home doctor examination;
dental services (their specific list is usually limited);
recovery after treatment, including in sanatoriums and resort areas;
undergoing preventive procedures.
Medical care under VHI policies is job seekers data package provided 24 hours a day. They are issued for a year and limit the insurance amount to no more than 1.5 million rubles. In addition to the company employee himself, members of his family can also be served under the VHI policy.
The specific list of services is established by the contract and, in essence, is determined by the amount that the company is willing to spend on insurance. Servicing the employee and his family members will cost more. If you save money, expensive dental services will most likely be excluded from the insurance.
The most expensive policy is required by the most important specialists of the company, whose prolonged absence can cause serious problems for the company.
For the employer, an important feature of such support measures is the possibility of including the payment of voluntary health insurance in expenses for the purpose of reducing tax payments. But these amounts themselves are usually sensitive for the company's budget.
Training at the company's expense
There is no doubt that the costs of training employees are an investment in the future of the enterprise. All kinds of seminars, webinars, foreign language courses, advanced training at the expense of the employer - these measures not only allow you to increase the level of professionalism of specialists and expand their horizons, but also allow the company itself to develop more successfully. Training should not interfere with the main activities of employees.
Training at the company's expense
The cost of training can be very high. Thus, an MBA course will cost 650 thousand rubles, and abroad - even more, up to 20 thousand dollars. This measure can be useful in the following cases:
the company operates abroad or plans to expand into the international market;
Among the organization's permanent partners are foreign organizations;
International management standards are being implemented at the enterprise.
You should make sure in advance that the specialist intends to stay in your company for a long time. There is no point in investing in expensive training if you do not know how to retain the employee in the company after training, or there is no opportunity to do so.
Credit at the expense of the company
If the company has a significant financial reserve, it can offer employees a loan without interest or at a lower rate than banks offer. Such a loan must be targeted. It is possible to provide money to an employee to purchase a car, to pay the initial payment on a mortgage.
Subsequently, the loan amount is withheld from the employee's salary in a pre-agreed amount. For the employee, such a support measure is an opportunity to make purchases that his own financial resources do not allow. And in case of difficulties in repaying the debt, it is much easier to agree on a change in the payment procedure with the company than with the bank. For the employer, an effective tool for retaining a specialist appears, especially if in the event of dismissal he loses preferential terms for repaying the loan.
Read also!
"Sales Triggers That Have Never Failed"
Read more
When using this measure, it is better to make sure of the person's good faith. It is possible that he may receive the money and immediately quit. You can demand the return of the debt through the court, but in Russia this method does not always lead to real compensation for losses.