Each year, when renewing the contract'group health insurance, the same question comes back to the desk of the Head of'company or HR Manager: should we repeat the same formula, or is there something better elsewhere?
Too often, the default response is to renew the existing contract, due to lack of time or fear of complicating the procedures. Result: premiums that increase'year after year, without the real coverage of employees'improves nonetheless.
At the house of BECOTRAC Insurance, we believe that managing the'health insurance'a business should not be as simple as choosing a plan and paying a premium each month. The real issue is elsewhere: find the'balance between controlled cost, quality of coverage and real needs of employees.
Why companies often pay too much for their health coverage
Several factors explain why so many'companies find themselves with contracts'poorly calibrated health insurance:
- Standardized guarantees, thoughts for "all companies" rather than for the demographic and health reality of your teams.
- Guarantees rarely or never used, but billed monthly, as specialized care that no one in the'workforce does not mobilize.
- Automatic renewal of the contract, year after year, without re-competition or analysis of real consumption.
- A lack of flexibility, while the workforce, needs and budget of the'business is constantly evolving.
The result is often the same: a high premium for protection that no longer quite corresponds to the'company nor its employees.
L'BECOTRAC Assurances approach: optimize before subscribing
Inasmuch as Responsible for'business or HR, you know: insuring your employees is not simply a matter of choosing a plan and paying a premium. At BECOTRAC Assurances, we support you to go beyond'a simple subscription, with a method structured in four steps.
1. We analyze your real needs
Before any recommendation, we study the composition of your workforce, the actual health needs of your teams and the'history of consumption of guarantees. This analysis allows'avoid paying for guarantees that are little or not used, often inherited from'a standard contract rather than designed for your business.
2. We seek more competitive solutions
Once your needs have been identified, we compare the market to find more competitive solutions, truly adapted to the economic and operational reality of your company — and not to a profile of'generic company.
3. We optimize guarantees without sacrificing protection
Optimizing does not mean reducing coverage. Our job is to adjust guarantees without sacrificing protection of your employees and their families: we remove what is useless, we strengthen what really matters.
4. We prioritize flexibility
Your business evolves: recruitments, departures, budget changes. We build contracts flexible, capable of'adjust to your workforce, your needs and your budget, rather than'a contract fixed for three years.
The objective: a controlled health budget, real protection
Our goal is simple: help you better control your health budget, while offering your employees protection that truly meets their expectations.
Because'good health insurance, this'is not necessarily paying more to be better covered. C'is above all paying just to be well covered.
FAQ - Corporate group health insurance
How do I know if my business is paying too much for its health insurance?
Does optimizing your health insurance contract reduce employee coverage?
How often should you re-evaluate your group health insurance contract?
Can a small or medium-sized business also optimize its health insurance?
Take action with BECOTRAC Assurances
Your health, our expertise.
Want to know if your company is paying too much for its health coverage? Let's discuss your needs and together identify the possibilities for'optimization.
