Among the various ways currently adopted by companies to attract good professionals and retain talent, we can mention the health insurance or health plan as a major. However, with so many options on the market, it is difficult to choose the best health insurance for your team.
A misguided choice directly reflects employee satisfaction and return on investment. To help you avoid making mistakes, we list the main points that need to be observed before hiring this benefit for your business. Check out!
Using the insurer’s CNPJ, consult the ANS (National Agency for Supplementary Health) to see if the company has a registration with the entity and if its reputation is good.
The seriousness of the contracted company is very important to ensure that the services sought are, in fact, provided. Carefully read the complaints and compliments of consumers before making a decision.
Cost-benefit of health insurance
There are several types of plans and a wide variety of services offered. This does not mean that the more benefits the insurer offers you, the better your employees’ satisfaction will be.
The final cost of health insurance depends on the advantages chosen. Therefore, in order to find the plan that meets your audience with quality, it is important that there is a survey of the needs of employees.
To find the best cost / benefit you should do an internal search that aims to identify what the group seeks in a health insurance. Data such as age group and housing region need to be observed.
By taking the health insurance contracting date as the basis, you need to know that the term of benefit release varies from one to the other, meaning the grace periods for consultations, admissions, procedures and examinations are different.
The information about the waiting time to receive certain care must be present in the contract. Read the document carefully and see if the deadlines are in line with what the company is looking for.
If you want to avoid unpleasant surprises – for yourself and your employees – it is essential that you check the distribution of the networks covered by insurance. Once again the analysis of the team’s profile influences the definition of the best coverage.
In practical terms, imagine a company that has an outside sales team that travels through the state. In this way, the ideal would be to contract services that offer security to the sellers in any part of the state.
Bureaucracy in service delivery
This is a point that goes unnoticed by many and can cause employee dissatisfaction. It is common for companies to have a bureaucracy when deciding whether a particular service will be released to contractors.
The tip is to note if there is the existence of this factor before setting the best insurance for your company. That way, you will know in advance what kind of authorization to request, on what occasion and what the average term for the release so that it does not become exhausting for the employees.
After analyzing all these points listed, the next step is to integrate your employees so that everyone understands and values the business plan offered. If the intention is to motivate, retain and attract talent, it is essential that the disclosure is well done.
Prospero, for example, seeks to minimize these setbacks, indicating plans that fit the needs of each company and facilitating access to benefits in a fast, secure and personalized way.
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Talk to one of our supplemental health experts and learn how to choose the best health insurance provider for your team. Do you want to receive an analysis to know how your current health insurance is compared to the market options without short? Ask for a market study now.