Remote Benefits:
Colombia
Customers may elect to offer health insurance to employees in Colombia (plan details below).
The rates listed here are for the current plan year. Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.
Please email support@remote.com with any questions!
Benefit
Cost
Description
Health insurance
COP 254, 520 (~ 63 USD).
Coverage includes:
- 100% coverage without deductibles or limits on medical services.
- Unlimited access to all medical specialties.
- Extensive national hospital and healthcare network.
- Nationwide assistance services.
Comprehensive Hospital Care
- Unlimited medical and surgical treatment.
- Unlimited ICU hospitalization.
- Private individual room.
- Bed for a companion and nurse for users under 15 and over 65 years old without any limit on days.
- Unlimited coverage for all specialties within the hospital without additional charges.
- Up to 50 days of psychiatric hospitalization.
- Reversible dialysis up to 8 sessions per hospitalization event.
- Unlimited prostheses and osteosynthesis material
- Delivery or cesarean section.
Outpatient Care:
- Unlimited out-of-network care up to COP 200,000 per visit (less the value of the copayment). Applicable to:
- Alternative medical consultation (Acupuncture, bioenergetics, homeopathy, osteopathy, and chiropractic.)
- Psychological & psychiatric consultation
- General practitioner and specialist consultation
- Unlimited in-network care. Applicable to:
- Direct access to primary care physicians and all specialists.
- Direct payment of charges at the doctor's office.
- Clinical laboratory tests without prior authorization.
- Unlimited simple and specialized diagnostic exams.
- Unlimited therapy sessions.
- Nationwide emergency care.
- Home medical consultations.
Additional Benefits:
- Medical care and assistance abroad (up to USD 30.000) - Required prior authorization 24 hours before the trip.
- Prosthetics and Osteosynthesis Materials up to 60 times the legal minimum monthly wage (SMMLV).
- Home medical assistance through Emermedica included.
- Tele-consultation and telemedicine including psychological and nutritional telephone counseling: Unlimited in-network.
- Cancer treatment includes unlimited commercial oncology medications for chemotherapy, both outpatient and inpatient, as well as adjuvant drugs.
- Treatment for HIV/AIDS and its complications.
- Telephone counseling, and veterinary medicine for pets. 5 consultations per year. free of charge.
Benefit
Health insurance
Cost
COP 254, 520 (~ 63 USD).
Description
Coverage includes:
- 100% coverage without deductibles or limits on medical services.
- Unlimited access to all medical specialties.
- Extensive national hospital and healthcare network.
- Nationwide assistance services.
Comprehensive Hospital Care
- Unlimited medical and surgical treatment.
- Unlimited ICU hospitalization.
- Private individual room.
- Bed for a companion and nurse for users under 15 and over 65 years old without any limit on days.
- Unlimited coverage for all specialties within the hospital without additional charges.
- Up to 50 days of psychiatric hospitalization.
- Reversible dialysis up to 8 sessions per hospitalization event.
- Unlimited prostheses and osteosynthesis material
- Delivery or cesarean section.
Outpatient Care:
- Unlimited out-of-network care up to COP 200,000 per visit (less the value of the copayment). Applicable to:
- Alternative medical consultation (Acupuncture, bioenergetics, homeopathy, osteopathy, and chiropractic.)
- Psychological & psychiatric consultation
- General practitioner and specialist consultation
- Unlimited in-network care. Applicable to:
- Direct access to primary care physicians and all specialists.
- Direct payment of charges at the doctor's office.
- Clinical laboratory tests without prior authorization.
- Unlimited simple and specialized diagnostic exams.
- Unlimited therapy sessions.
- Nationwide emergency care.
- Home medical consultations.
Additional Benefits:
- Medical care and assistance abroad (up to USD 30.000) - Required prior authorization 24 hours before the trip.
- Prosthetics and Osteosynthesis Materials up to 60 times the legal minimum monthly wage (SMMLV).
- Home medical assistance through Emermedica included.
- Tele-consultation and telemedicine including psychological and nutritional telephone counseling: Unlimited in-network.
- Cancer treatment includes unlimited commercial oncology medications for chemotherapy, both outpatient and inpatient, as well as adjuvant drugs.
- Treatment for HIV/AIDS and its complications.
- Telephone counseling, and veterinary medicine for pets. 5 consultations per year. free of charge.
Remote Life Insurance Plans
Customers may elect to offer the below global life insurance benefits to employees and can choose between the basic and comprehensive plans.
Remote has partnered with Allianz as our benefits provider for global life insurance coverage.
It is essential to be aware that in certain countries:
- Insurance Premium Taxes may be applicable. This means you may pay taxes on the monthly premiums you pay towards the life insurance coverage for your employees.
- Life insurance benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the life insurance coverage, might be counted as part of the employee's taxable income according to the local tax laws.
The rates listed here are for January 1, 2024, to December 31, 2024 policy year. Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.
You can email support@remote.com with any questions!
BASIC PLAN
COMPREHENSIVE PLAN
Life Insurance
Description: Life cover provides financial protection and security for beneficiaries after the death of an insured employee.
Payout: In the unfortunate event of an employee's demise, beneficiary compensation cannot exceed 6 times the employee's annual salary or the chosen cover level (whichever is lower).
Same as the Basic plan.
Accidental Death & Dismemberment (AD&D)
Description: The AD&D insurance offers financial protection to beneficiaries in the unfortunate events of an insured employee's accidental death or dismemberment.
Payout: Compensation cannot exceed 5 times the employee's annual salary or the chosen cover level (whichever is lower). The exact payout varies depending on the type of injury sustained, as specified in the Accidental Dismemberment Table. The employee or beneficiary will receive a percentage of the capped compensation amount, in accordance with the guidelines outlined in the table.
Learn more about payout procedures.
Permanent Disability
Description: The Permanent Disability insurance is designed to offer financial support to insured employees who suffer from either permanent and total or permanent and partial disabilities as a result of an accident or illness.
Payout: Compensation cannot exceed 5 times the employee's annual salary or the chosen cover level (whichever is lower). The insurance provider assesses the extent of the permanent disability to determine the final compensation:
- For disabilities below 33.33%, no compensation is provided.
- Disabilities falling between 33.33% and 66.67% result in compensation calculated as a percentage of the capped amount.
- Permanent disabilities exceeding 66.67% receive the full capped compensation amount.
Learn more about payout procedures.
Cover Levels and Premiums
Insurance Coverage and Monthly Premiums:
- up to $50k: $5.64
- up to $100k: $11.28
- up to $200k: $22.56
- up to $400k: $45.12
- up to $500k: $56.40
- up to $600k: $67.68
Insurance Premium Taxes are applicable in a few countries. Learn more.
Insurance Coverage and Monthly Premiums:
- up to $50k: $12.04
- up to $100k: $24.08
- up to $200k: $48.14
- up to $400k: $96.28
- up to $500k: $120.36
- up to $600k: $144.43
Insurance Premium Taxes are applicable in a few countries. Learn more.
Life Insurance
BASIC PLAN
Description: Life cover provides financial protection and security for beneficiaries after the death of an insured employee.
Payout: In the unfortunate event of an employee's demise, beneficiary compensation cannot exceed 6 times the employee's annual salary or the chosen cover level (whichever is lower).
COMPREHENSIVE PLAN
Same as the Basic plan.
Accidental Death & Dismemberment (AD&D)
BASIC PLAN
COMPREHENSIVE PLAN
Description: The AD&D insurance offers financial protection to beneficiaries in the unfortunate events of an insured employee's accidental death or dismemberment.
Payout: Compensation cannot exceed 5 times the employee's annual salary or the chosen cover level (whichever is lower). The exact payout varies depending on the type of injury sustained, as specified in the Accidental Dismemberment Table. The employee or beneficiary will receive a percentage of the capped compensation amount, in accordance with the guidelines outlined in the table.
Learn more about payout procedures.
Permanent Disability
BASIC PLAN
COMPREHENSIVE PLAN
Description: The Permanent Disability insurance is designed to offer financial support to insured employees who suffer from either permanent and total or permanent and partial disabilities as a result of an accident or illness.
Payout: Compensation cannot exceed 5 times the employee's annual salary or the chosen cover level (whichever is lower). The insurance provider assesses the extent of the permanent disability to determine the final compensation:
- For disabilities below 33.33%, no compensation is provided.
- Disabilities falling between 33.33% and 66.67% result in compensation calculated as a percentage of the capped amount.
- Permanent disabilities exceeding 66.67% receive the full capped compensation amount.
Learn more about payout procedures.
Cover Levels and Premiums
BASIC PLAN
Insurance Coverage and Monthly Premiums:
- up to $50k: $5.64
- up to $100k: $11.28
- up to $200k: $22.56
- up to $400k: $45.12
- up to $500k: $56.40
- up to $600k: $67.68
Insurance Premium Taxes are applicable in a few countries. Learn more.
COMPREHENSIVE PLAN
Insurance Coverage and Monthly Premiums:
- up to $50k: $12.04
- up to $100k: $24.08
- up to $200k: $48.14
- up to $400k: $96.28
- up to $500k: $120.36
- up to $600k: $144.43
Insurance Premium Taxes are applicable in a few countries. Learn more.
Exclusions: Please note that certain exclusions, as outlined in this help article, apply to our global life insurance policy.
Currency: Prices listed in USD, local currency equivalent will be determined based on exchange rate at the time of invoicing.
Remote Mental Health Program
The rates listed here are for July 1, 2024, to April 30, 2025 policy year.
Remote has partnered with Oliva, the UK & Europe's #1 rated employee mental wellbeing platform. Oliva is available on desktop and as a mobile app and it includes:
- 1-to-1 therapy with a curated pool of top-quality therapists (35+ languages available)
- Advanced matching service to find each employee the right therapist for them within 48 hours (98% success rate)
- Personal wellbeing profile with tailored recommendations and info to track progress
- Curated self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, Oliva Talks, podcasts on workplace wellbeing, and micro-learning content series for managers
- 24/7 mental health helplines for when an employee is struggling and needs to talk to someone immediately
- and more
Customers may elect to offer the mental health program benefits to their teams and can choose among 5 different plans. If one of the mental health benefit is offered, the employee will automatically be enrolled and you will be charged for it monthly. However, employees have the option to opt out of the benefit. If they choose to do so, they will be unenrolled and charges will stop effective from the next month.
It is essential to be aware that in certain countries, Mental Health benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the benefit, might be counted as part of the employee's taxable income according to the local tax laws.
Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.
You can email support@remote.com with any questions!
Currency: Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.
Basic Mental Health Program $3.00/MO. | Standard Mental Health Program $8.47/MO. | Plus Mental Health Program $15.70/MO. | Premium Mental Health Program $22.70/MO. | Platinum Mental Health Program $35.83/MO. | |
Basic Mental Health Program $3.00/MO. Platform Access Only This plan does not include pre-paid Therapy / Coaching sessions.
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Standard Mental Health Program $8.47/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Plus Mental Health Program $15.70/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Premium Mental Health Program $22.70/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Platinum Mental Health Program $35.83/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) |
Remote supports our clients by offering competitive benefits packages that will help you attract and retain the best talent across the globe! Our benefits specialists have done the research on norms and requirements in each local market and have crafted packages that will allow your employees to thrive, no matter what country they live in.
We do not require customers to offer benefits in Colombia due to its strong public system and local laws that protect us (and you!) against claims of discriminatory hiring practices. However, we do recommend that employers in Colombia offer benefits to their employees, which allows them to access a wider range of options for providers and specialists as well as significantly shorter wait times. We do not add a markup on any benefits premiums or administration costs.
If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!
- Healthcare in Colombia: Colombia’s healthcare system is ranked 22nd globally by the World Health Organization and has a reputation for offering high-quality care. The country has a public health system that covers the majority of the population and is funded by contributions from employers and workers, in addition to a large amount of government spending. With such a well-funded program, healthcare costs are generally affordable. However, the quality of care and coverage available in major cities like Bogota and Medellin doesn’t extend to all parts of the country. For these reasons, private health insurance is important so patients can go to private facilities with more modern treatment options and more comfortable care when necessary.
- You will see benefits options for Colombia when onboarding your employee. From there, the employee will be enrolled and contacted with more information about their plan. Remote takes care of all the administration work so you can focus on scaling your global team!
TCE in Colombia
If you’re ready to hire a new employee in Colombia, you may have generated or received a Total Cost of Employment quote to get an estimate of what it might cost. If you haven’t, you can do so with our handy Cost Calculator tool now!
Employers hiring in Colombia must pay for social contributions mandated by the government. These costs are automatically applied during payroll:
- Pension Fund
- Healthcare Fund
- General Labor Risk Pool
- Family Allowance Fund
- Colombian Institute for Family Welfare (ICBF)
- National Learning Service (SENA)
The exact cost of the contributions listed above can be found by using the Cost Calculator.
- For more information about hiring employees in Colombia, see our country hiring guide at https://remote.com/country-explorer/colombia.
Learn more about Remote benefits
How do benefits work when hiring through an EOR?
Watch this quick explainer video to understand how offering benefits works when you hire team members through an employer of record like Remote.