FAQ
Most common questions
How is it taxed for the company?▾
The group premium is taxed as a so-called specific defined benefit: the total public charge is 33.04%, borne solely by the company – using in-kind healthcare services creates no tax liability for the employee; an income-replacement benefit (e.g. in the nature of a hospital or incapacity-for-work daily indemnity) is, for contracts concluded after 2018, tax-free under Point 6.6 of Schedule 1 to the Personal Income Tax Act (the former limit of HUF 15,000 per day no longer applies to these contracts) – check the accounting treatment with your accountant. By comparison, the combined burden of the same benefit paid as salary is close to 70%. Our summary is based on the insurers' official tax publications; always confirm the exact treatment with your accountant.
From how many employees is it available?▾
It varies by insurer; group contracts are typically available even for small teams. At the consultation we tell you exactly which insurers' offers are open at your headcount.
Does the insurer accept pre-existing conditions?▾
For outpatient services a pre-existing condition is usually not an exclusion: colleagues can use specialist care for their existing complaints. For inpatient and surgical covers, however, waiting periods and exclusions differ by insurer – one of the most important fine-print differences on the market, so we flag it in a dedicated row of our comparison.
How long does implementation take?▾
The time from the first call to the employee briefing depends on the insurers' response times and the company's decision-making pace – often a few weeks. We carry most of the process – your input is needed at the needs assessment and the decision.
How much does group health insurance cost?▾
The premium depends on headcount, age profile and the chosen content – we only state a concrete figure based on the insurers' individual offers, because we choose from nine insurers' competing offers. That is why the first consultation is free: after 20 minutes you will see the ballpark for your company.
Can I sign up as a private individual?▾
We specialise in corporate group contracts – that is the essence of our specialisation, and this site is written primarily for company leaders and HR. On request, we also help private individuals, families and smaller companies find a suitable health insurance package.
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