Remote Benefits:
Spain
Remote builds belonging for your global team with comprehensive local plans at competitive rates.
At Remote, we offer country-specific benefits for everyone on your team. Your team members will enjoy comprehensive coverage from top providers while you access competitive rates meant for larger groups — even if you’re still growing!
Health Insurance
Customers may elect to offer the below benefits to their team members in Spain and can choose between two local plans (local standard and local premium plans), two international plans (international standard and international premium plans), or choose to offer no benefits. These benefits are optional in Spain, however, if you choose to offer a benefit, it will be offered to all of your team members in the country.
The rates listed here are for the policy year from May 1, 2024, to April 30, 2025. Pricing and benefits are subject to change in response to business and market changes, and we will update you when those changes take place.
Benefit | LOCAL STANDARD TIER | LOCAL PREMIUM TIER | INTERNATIONAL STANDARD TIER | INTERNATIONAL PREMIUM PLAN | |
Benefit Family Coverage You can support your team members by directly covering their dependents. Note that the final cost for family coverage may vary based on the number of dependents an employee adds. | LOCAL STANDARD TIER You pay:
Employee pays:
| LOCAL PREMIUM TIER You pay:
Employee pays:
| INTERNATIONAL STANDARD TIER You pay:
Employee pays:
| INTERNATIONAL PREMIUM PLAN You pay:
Employee pays:
| |
Benefit Inpatient Coverage | LOCAL STANDARD TIER Cover Limit: No Limits (In Network) Specific coverage for psychiatric admission on an inpatient basis for the treatment of acute outbreaks, up to 50 days per insured per year. | LOCAL PREMIUM TIER Same as the Local Standard Tier, with a limit of up to €1,500/year on Out-Network Psychiatric admission. | INTERNATIONAL STANDARD TIER Cover Limit: $1M Includes hospital room charges, nursing care, surgical procedures, and medications administered during the hospital stay. | INTERNATIONAL PREMIUM PLAN Same as the International Standard Tier. | |
Benefit Outpatient Coverage | LOCAL STANDARD TIER Cover Limit: No Limits (In Network) Specific coverage includes Psychology limited to 12 sessions/year and Podology limited to 15 sessions/year. | LOCAL PREMIUM TIER Same as the Local Standard Tier, with a limit of up to €200,000/year on Out-Network. Sub limits here | INTERNATIONAL STANDARD TIER Cover Limit: $3,500 Includes doctor's visits, diagnostic tests, specialist consultations, outpatient surgeries, therapy sessions, prescription medications, and more. | INTERNATIONAL PREMIUM PLAN Cover Limit: $5,060 Similar coverage as the Standard Tier. | |
Benefit Co-pay | LOCAL STANDARD TIER None | LOCAL PREMIUM TIER None | INTERNATIONAL STANDARD TIER None | INTERNATIONAL PREMIUM PLAN None | |
Benefit Deductible | LOCAL STANDARD TIER None | LOCAL PREMIUM TIER None | INTERNATIONAL STANDARD TIER $135 (outpatient) | INTERNATIONAL PREMIUM PLAN None | |
Benefit Dental Insurance | LOCAL STANDARD TIER 30 services included. | LOCAL PREMIUM TIER Same as the Local Standard Tier | INTERNATIONAL STANDARD TIER None | INTERNATIONAL PREMIUM PLAN
| |
Benefit Waiting periods and pre-existing conditions | LOCAL STANDARD TIER None | LOCAL PREMIUM TIER - None for Medical Insurance | INTERNATIONAL STANDARD TIER None | INTERNATIONAL PREMIUM PLAN None | |
Benefit Vision Insurance | LOCAL STANDARD TIER None | LOCAL PREMIUM TIER
| INTERNATIONAL STANDARD TIER None | INTERNATIONAL PREMIUM PLAN
| |
Benefit International coverage | LOCAL STANDARD TIER Emergency coverage abroad (up to 90 days, €12,000/person/year) | LOCAL PREMIUM TIER Same as the Local Standard Tier | INTERNATIONAL STANDARD TIER Health coverage extends globally (USA covered only for emergencies whilst traveling) | INTERNATIONAL PREMIUM PLAN Same as the International Standard Tier | |
Benefit Employee Assistance Program (EAP) | LOCAL STANDARD TIER 15 Psychology sessions | LOCAL PREMIUM TIER Same as the Local Standard Tier | INTERNATIONAL STANDARD TIER Includes access to multilingual mental health, legal, and financial counseling via phone, video, or in-person. Additionally, a wellness website, fitness app, and 24/7 support in multiple languages are provided. | INTERNATIONAL PREMIUM PLAN Same as the International Standard Tier | |
Benefit Medical Claim Settlement Methods This is how the healthcare expenses will be settled (cashless, reimburse or directly payments) | LOCAL STANDARD TIER
| LOCAL PREMIUM TIER
| INTERNATIONAL STANDARD TIER Direct Settlement or Reimbursement | INTERNATIONAL PREMIUM PLAN Same as the International Standard Tier |
Retirement
Remote offers an optional Retirement plan.
If you would like to offer the Retirement plan you must offer it to all employees on your team. From June 2024, you will have access to a retirement benefit (Unit linked) via VidaCaixa. This new plan is designed to offer a more flexible and robust retirement savings solution, aligned with industry practices. You will have the option to choose between 5 contribution levels: Basic, Standard, Plus, Premium and Platinum. Employees have the option to make additional voluntary contributions (within legally established limits), tailoring their plan to meet individual financial objectives. There is an additional 4.5EUR per employee per month fee for platform management of Retirement and Flex Benefits. Please note, once a Retirement benefit is offered, it cannot be revoked due to acquired rights.
Plan | COMPANY CONTRIBUTION | EMPLOYEE CONTRIBUTION | TOTAL CONTRIBUTION | ||
Plan Basic | COMPANY CONTRIBUTION None (voluntary by employee) | EMPLOYEE CONTRIBUTION Employee decides voluntarily | TOTAL CONTRIBUTION Employee voluntary contributions (if any) | ||
Plan Standard | COMPANY CONTRIBUTION Company contributes 2% | EMPLOYEE CONTRIBUTION Employee contributes 1% | TOTAL CONTRIBUTION 3% total contribution | ||
Plan Plus | COMPANY CONTRIBUTION Company contributes 4% | EMPLOYEE CONTRIBUTION Employee contributes 2% | TOTAL CONTRIBUTION 6% total contribution | ||
Plan Premium | COMPANY CONTRIBUTION Company contributes 6% | EMPLOYEE CONTRIBUTION Employee contributes 3% | TOTAL CONTRIBUTION 9% total contribution | ||
Plan Platinum | COMPANY CONTRIBUTION Company contributes 8% | EMPLOYEE CONTRIBUTION Employee contributes 4% | TOTAL CONTRIBUTION 12% total contribution |
Flexible Benefits
In addition to health, life and retirement benefits, Remote offers flexible benefits such as meal cards and childcare vouchers to employees in Spain. This is voluntary salary sacrifice scheme, 100% paid by employees.
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's Benefits Practices
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.
Our core benefits (which often include things like healthcare) are required in some countries where we hire. We do not require customers to offer benefits in Spain 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 Spain 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. Our plans also offer global coverage (excluding the US) to protect your employees when they are traveling outside their home country. 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!
- In Spain, 80%* of employers offer supplemental health insurance to their workforce. Although the country has a public health system, supplemental health insurance provides employees with access to a wider range of options for providers and specialists, as well as significantly shorter wait times. Our plans also offer global coverage (excluding the US) to protect your employees when they are traveling outside their home country. (*based on 3rd-party market research from our partners)
- You will be able to select a benefits plan 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 Spain
If you’re ready to hire a new employee in Spain, 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 Spain must pay for social contributions mandated by the government. These costs are automatically applied during payroll:
- Common contingencies
- Unemployment
- Wage guarantee fund
- Vocational education & training
- Occupational accident & disease contributions
- Mutua (working accident & other types of leave)
The exact cost of the government contributions listed above can be found by using the Cost Calculator.
- For more information about hiring employees in Spain, see our country hiring guide at https://remote.com/country-explorer/Spain.
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.