Group life, accident and fixed-sum health insurance for companies: lump-sum payouts when trouble comes, as a benefit that is typically taxed more favourably than wages (taxed as a specifically defined benefit), typically without individual underwriting. The company sets the frame – the team feels the security.
🎮 Benefit Tetris – fill a row, box in the company worry!
In the worst trouble, a lump-sum payout to the beneficiary – the insurer pays within the deadline set out in the policy terms once it has received the complete documentation; with tiered executive and staff frames.
Accidental death, permanent disability, fractures, daily hospital benefit – for working hours or around the clock.
Lump-sum benefits for defined health events (e.g. surgery benefit, critical illness) – as riders within the group accident product line. Sum insurance: it does not organise care, it pays out.
That is our sister site’s territory: there I put several Hungarian health insurers’ group offers in competition, tailored to your company – those I have a contractual relationship with, either directly or as a partner of Eurorisk – with private care for your team that bypasses domestic waiting lists.
The two do not exclude but complement each other – at many companies a group accident base plus a service-financing package together make protection complete.
Group insurance can be a retention-boosting, tax-efficient benefit – we confirm the exact tax treatment with your accountant.
Under a group contract there is typically no individual risk assessment, so every member of the group can join – the terms and conditions set out the exclusions for pre-existing conditions at entry, the waiting periods and the age limits.
Executive and staff tiers, annual frames – several insurers’ offers in one table, tailored to headcount and age profile.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
Headcount, age profile, budget and goal (retention, benefits package, key people) – without names or health data.
Several insurers’ group offers compared: covers, sums, premiums, tiering options.
Insured persons’ declarations go directly to the insurer – the employer sees no health data.
I provide templates for employee communication; review if it is warranted or you ask, continuous handling of joiners and leavers.
Our former Guides have grown into a full knowledge library: basics, tax & accounting, HR, covers in depth, rollout, claims, industries, templates – searchable via the magnifier in the header.
Policyholder, insured, fixed-sum benefits – plain-language foundations for CEOs and HR.
Read it →It can be offered as a favourably taxed benefit – it is worth clarifying the exact tax treatment with your accountant.
Read it →Executive and staff packages, sound proportions tied to wages and job types – the expanded successor of our guide.
Read it →Routine claims are fastest on the insurer's own channel – and if a case gets stuck or disputed, I help you, as your broker, where I can.
Read it →Protection makes people stay – arguments and wording from job ads to exit interviews.
Read it →30 terms, each in one clear sentence – so every offer and policy wording makes sense.
Read it →It differs by insurer, but typically even small teams can be covered. We establish the exact threshold and discount bands at the quote stage – that too is part of the competition.
Under a group contract there is typically no individual underwriting: the insurer prices the group. So older colleagues or those living with a condition are not left out.
It depends on the product type and structure – group covers can typically be provided as a benefit taxed more favourably than wages, and we confirm the exact treatment with your accountant before rollout. I provide a summary for that.
At a defined event (e.g. fracture, surgery, hospital day) it pays a pre-agreed lump sum, spent as the insured sees fit. It does not organise care – if organised private care is the need, that is service-financing health insurance territory: egeszseg.biz.
Typically 2–4 weeks from needs assessment to start: headcount and age data, offers in one table, decision, enrolment. I also help with employee communication.
New joiners can be added from the renewal date set by the insurer’s rules, and leavers exit the cover once the change has been reported – headcount management is continuous, and I support it with templates. The frame protects the reported, actual team.
Insured persons’ declarations and health data go directly to the insurer – we design the process so that, as far as possible, no health data reaches the employer. This is supported both by the principle of data minimisation and by the rules on insurance secrecy.
More aids – checklists and guides – on the Resources page.
Győző, Vera and Kende are one team – Imi just took a hit, and the group cover is working for him.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
csoportos.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer.
