Make employment in Spain easy. Let us handle payroll, benefits, taxes, compliance, and even stock options for your team in Spain, all in one easy-to-use platform.
Employment law in Spain is not contained under a single law. Instead it is governed by statutory regulations codified in (among other laws) the Spanish Civil Code and the Spanish Workers' Statute. The Spanish Workers' Statute regulates legal and regulatory of Spain, the will of parties intended in employment contracts, local and professional customs and practices as well as collective bargaining agreements.
Spanish employment law provides strong labor conditions and protections for employees, so employing people will generally be an important investment and commitment.
Temporary agencies are popular options for more flexible workforce arrangements. For these and many other reasons, the following are only guidelines in the broadest sense, and professional legal services are recommended when employing in Spain.
Spain’s minimum wage is EUR 1,221 per month and EUR 40.70 per day.
For customers of Remote, all employee payments will be made in equal monthly installments on or before the last working day of each calendar month, payable in arrears.
In Spain, it is also mandatory to make 14 salary payments: 12 months of work and 2 additional allowances (a holiday payment and a Christmas payment). Remote allows the employee to choose whether they would like to be paid in either 12 or 14 allotments:
It is customary that 12 payments are chosen in Spain, however, both payment options are possible. Remote allows the employee to change this once per year.
At Remote, Spanish employees will be paid 13th and 14th extra payments between the 15th and 20th of July and December.
Note that Spanish labor law allows the employer to decide how these extra payments should be paid.
We can help you get a new employee started in Spain fast.
Our team ensures your employees are onboarded and paid as quickly as possible while keeping your business compliant with all local employment legislation. The minimum onboarding time begins after the employee submits all required information onto the Remote platform. The onboarding timeline is also dependent upon registration with local authorities.
For all non-nationals of the country of employment, the Right to Work assessment (if applicable) will add three extra days to the total time to onboard. There may be extra time required if we need to follow-up on the right to work assessment.
Please note, payroll cut-off dates can impact the actual first day of employment. Remote has a payroll cut-off date of the 10th of the month unless otherwise specified.
Spain (Spanish: España), officially the Kingdom of Spain (Spanish: Reino de España), is a country in Southwestern Europe with some pockets of territory across the Strait of Gibraltar and the Atlantic Ocean. Spain is a secular parliamentary democracy and a parliamentary monarchy, with King Felipe VI as head of state. It is a major developed country and a high income country, with the world's fourteenth-largest economy by nominal GDP and the sixteenth-largest by PPP.
Capital
Official language
Currency
Population
Cost of living index
GDP real growth rate
Payroll frequency
VAT rate
Ease of doing business
Want to employ workers in Spain? Companies hiring in Spain are typically required to either own a local legal entity or work with a global employment platform like Remote that can legally provide employment services in the country.
Remote can employ team members in Spain and keep you compliant. Remote can hire, onboard, and pay your Spain team so you don't have to set up local HR services in the region. Remote also makes it easy to pay contractors in Spain. Sign up now to get started or talk to an expert for more details.
Employment taxes and statutory fees affect both your payroll and your employees' paychecks in Spain. Note that your employees may be liable for additional local taxes.
Employer Social Security Contributions (31.55%)
0.00%
Employer Social Security contributions are capped monthly on a base of EUR 4139.40. In addition, there is a new solidarity contribution regulation that applies an additional Social Security charge on portions of salaries exceeding the maximum contribution base (set at EUR 4,909.60 per month for 2025); 83.39% of these contributions are paid by the employer.
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Common Contingencies
0.0%
Unemployment for permanent employees (or 6.70% for temporary employees)
0.00%
Occupational accident and professional disease contribution
0.0%
Professional Training
0.0%
Wage Guarantee Fund
0.00%
MEI (Intergenerational Equity Mechanism)
Employee Contributions
0.00%
Social Security
0.00%
Unemployment
0.0%
Professional Training
0.00%
MEI (Intergenerational Equity Mechanism)
Employee Income taxes
0%
Up to 12,450
0%
12,451 - 20,200
0%
20,201 - 35,200
0%
35,201 - 60,000
0%
Above 60,000
All full-time workers are legally entitled to 23 days paid holiday leave a year. In addition, full-time workers have 14 paid public holidays a year.
Maternity leave is 19 weeks for Spanish employees per parent, with full salary covered by Social Security. The first 6 weeks are mandatory and must be taken immediately after birth or adoption, followed by 11 flexible weeks that can be used during the child’s first year. The final 2 weeks can be used at any point until the child turns 8, giving parents more flexibility to manage their family time. These two weeks can also be applied retroactively to children born or adopted from August 2, 2024 onwards.
In Spain, paternity leave provides up to 16 weeks of paid leave for employed and Social Security-registered parents following childbirth, adoption, or fostering, with specific contribution requirements based on age. The leave includes a mandatory 6-week period immediately after birth and flexible options for the remaining 10 weeks, with possible extensions for multiple births, disability, or extended newborn hospitalization.
Parents can take an additional breastfeeding leave after parental leave. This breastfeeding leave can be enjoyed in two ways: - take one hour off during the day, until the child is nine months old (it can either be one hour, or half an hour at the beginning and at the end of the working day) - take 15 consecutive natural days after the parental leave The breastfeeding leave is considered as working time, meaning that the employee doesn't receive anything from Social Security and is paid by the company at 100%.
- Adoption: upon adoption of a child or have taken in a foster child, employees are entitled to the same entitles apply as for maternity and paternity rights. Applies to both parents. - Emergency and short absence leave: intended for unforeseen personal circumstances for which an employee has to take time off immediately. Examples include making arrangements for the care of a sick family member or in the event of a death in the family. Up to four days per year if travel is required. - Time off work for public duties: intended for allowing employees to fulfill certain public duties related to roles such as local councillors, school governors, trade union member, etc. - Long-term care leave: when a child, partner or parent of the employee is seriously (i.e. life threateningly) ill and requires care, the employee can request long-term care leave. - Unpaid leave: the employee may take unpaid leave in consultation with the employer on a full-time or part-time basis. Granted at the discretion of the employer, but must always be set in an individual or collective agreement. Unpaid leave periods are not regulated by law.
Spanish employers in general can provide any fair reasons for termination of an employee. Any dismissal from the end of the employer for an employee that has been employed longer than six months has to be "socially justified" by the following:
Dismissal of the employee without notice for disciplinary reasons, for example in case of theft or any other serious misconduct;
Ordinary dismissal with notice based on the organisation of work, and the proper functioning of the business.
The notice period for an employer depends on the reason for dismissal and the collective bargaining agreement the employment contract is subject to.
The establishment of a probationary period is not mandatory under Spanish labor legislation. The applicable CBA includes the maximum probationary periods to be agreed with the employees. It is feasible that for the same professional category, you agree different probationary periods with employees if there is justified reason (as a matter of example: experience, training, languages, etc.) and provided that you respect the probationary periods limits established in the CBA.
At Remote, we provide tailored benefits to ensure that all Remote employees receive comprehensive coverage from top providers. Our plans offer competitive rates designed for larger groups - even if the team is still growing!
Upon onboarding, Remote will enroll team members in their benefits and provide detailed information about their coverage. Remote manages all administrative tasks, allowing you to focus on scaling your global team.
To ensure benefit equality, any benefits offered will apply to all team members in the country, providing consistent coverage and support across the team.
Remote offers an optional Retirement plan, designed as a Unit Linked plan to provide a flexible retirement savings solution. This is different from a traditional pension plan and provides employees with the opportunity to invest in various funds.
Remote provides five contribution levels, with company contributions of up to 8% and employee contributions of up to 4%. Employees also have the option to make additional voluntary contributions, allowing them to tailor their plan to meet individual financial objectives. Please note, once a Retirement benefit is offered, it cannot be revoked due to acquired rights.
When retirement benefits are offered, they must be provided equally to all employees in the respective country.
All employees are automatically enrolled in the Cobee platform, which is mandatory for the Basic Retirement Plan, meal and nursery services. This means that customers cannot opt out of the Cobee benefit or waive its associated cost.
The Basic Tier allows employees to voluntarily contribute to their retirement plan without any company match.
The Standard Tier includes a 2% company contribution and a 1% employee contribution, totaling 3%.
The Plus Tier features a 4% company contribution and a 2% employee contribution, resulting in a 6% total contribution.
The Premium Tier offers a 6% company contribution and a 3% employee contribution, leading to a 9% total contribution.
The Platinum Tier maximizes retirement savings with an 8% company contribution and a 4% employee contribution, resulting in a 12% total contribution.
Remote offers valuable tax-saving benefits for employees in Spain, including meal vouchers and kindergarten benefits. These benefits are part of a voluntary salary sacrifice scheme, meaning they are fully paid for by employees and do not incur additional costs for employers. Remote offers valuable tax-saving benefits for employees in Spain, including meal vouchers and kindergarten benefits. These benefits are part of a voluntary salary sacrifice scheme, meaning they are fully paid for by employees and do not incur additional costs for the company.
Meal vouchers offer a tax-efficient way for employees to save on meals during the working day. This benefit allows for income tax-exempt spending at various food outlets, including restaurants, cafes, bars, and online food delivery services like Just Eat and Glovo. Note that supermarkets, airports, and hotels are not eligible.
Each employee will receive a Meal Card. Participation in this benefit is voluntary, and if an employee does not use their Meal Card allowance, nothing will be deducted from their salary.
The amount spent on the Meal Card, up to specified limits, will be deducted from the employee’s gross salary as a salary sacrifice, making it exempt from income tax. Starting January 2024, the income tax exemption limits are €11 per day, €220 per month, and €2,420 per year. Employees receive the monthly limit (€220) on their Meal Card on the 2nd of each month. The card is limited to €220 per month for 11 months (€2,420 annually). If the annual limit is reached before December, the card will not be usable in December. Only the amount actually spent will be deducted from the paycheck.
The kindergarten benefit is available for children between 0 and 3 years old attending the first cycle of early childhood education. It is 100% exempt from personal income tax (IRPF), potentially saving up to 3 months of nursery expenses. There is no monthly or annual limit for the national system, but there is a limit of €1,000 for Navarre and foral territories. The monthly amount allocated to this benefit is deducted through payroll.
This benefit covers the cost of nursery school and can be redeemed at over 6,000 nursery schools across Spain. The benefit applies only to state-approved nursery schools.
Remote’s Global Business Travel Insurance program is crafted to address the unique needs of your team, whether they are embarking on short business trips or traveling extensively throughout the year. With five comprehensive plan options—Basic, Standard, Premium, Premium Plus, and Standard Plus—this program ensures that your team members have the right level of coverage to protect their health, safety, and well-being while traveling for business. Available in over 90 countries, the program provides extensive global coverage at competitive rates, offering peace of mind no matter where their work takes them.
This optional benefit is designed to be flexible, allowing you to offer tailored coverage that meets the diverse needs of your workforce. By providing business travel insurance, you are taking proactive steps to safeguard your team from unforeseen events such as medical emergencies, trip disruptions, or loss of business equipment while they are on the road.
Coverages (values in USD):
Emergency & Accidental Medical: $1,000,000
Repatriation for Medical Treatment: 100% per trip
Emergency Medical Evacuation: $100,000
Repatriation of Mortal Remains: $25,000 per trip
Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Excludes Medical & Evacuation
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Emergency & Accidental Medical: $1,000,000
Repatriation for Medical Treatment: 100% per trip
Emergency Medical Evacuation: $100,000
Repatriation of Mortal Remains: $25,000 per trip
Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Emergency & Accidental Medical: $1,000,000
Repatriation for Medical Treatment: 100% per trip
Emergency Medical Evacuation: $100,000
Repatriation of Mortal Remains: $25,000 per trip
Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Excludes Medical & Evacuation
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Offering health insurance in this country is not mandatory, but providing these additional health benefits can greatly enhance the healthcare experience for employees by enabling access to a wider range of providers and specialists, as well as significantly reducing wait times.
In Spain, Remote offers both local and international coverage options to ensure that clients hiring in the country have the flexibility and coverage needed to provide the best possible care for employees. The international plans can be used both globally (excluding the US) and locally, ensuring comprehensive coverage wherever employees are, while the local plans only cover services locally but enjoy the benefits of a more extensive local network and specialized care.
When onboarding a new hire, Remote provides several plan options, including the International Standard plan, the International Premium plan, the Local Standard plan, and the Local Premium plan. The International Standard plan covers healthcare globally, while the International Premium plan includes health, dental, and vision coverages globally. The Local Standard plan covers essential health services including hospitalization, surgery, intensive care, specific psychiatric admission, rehabilitation, oncology treatment, and emergency dental care. The Local Premium plan includes everything in the Local Standard plan, plus additional benefits such as vision coverage, expanded dental benefits, and 80% reimbursement for out-of-network services.
If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here !
Specific Coverage for Psychiatric Admission: Up to 50 days per insured per year for acute outbreaks; Up to €1,500/year on Out-Network Psychiatric admission
Hospitalization
Surgery
Intensive Care Unit
Transplants:
-Surgery for cornea transplant with the cornea to transplant being paid for by Sanitas.
-Comprises autologous bone marrow and parentperipheral blood cell transplants solely for treatment of haematological tumours.
Rehabilitation: as indicated in the General Conditions.
Under admission to hospital, it will be provided for the recovery of the musculoskeletal system secondary to an orthopaedic operation and recovery of the heart immediately after an acute myocardial infarction and after surgery with extracorporeal circulation.
It is provided on an outpatient basis for conditions originating in the musculoskeletal system.
Oncology Treatment: as indicated in the General Conditions
Prostheses and Implants:
covers internal prostheses and internal internal prostheses and internal implantable materials expressly listed in the General Conditions.
Mental Health In-Patient Care:
Psychiatric admission is covered under admission (with overnight stay) for the treatment of acute outbreaks. It is limited to a maximum of 50 days per insured person per year.
Out-Network: 1.500 €/year Psichology/Psichiatry limit (Including Psychiatric admission).
Ambulance
Specific Coverage:
Psychology: It includes a maximum of 4 consultations per month and with a limit of 15 sessions per Insured and insurance annuity
Podology: Limited to 12 sessions/year
Out-Network:
-1.500 €/year Psichology/Psichiatry limit (Including Psychiatric admission).
-Podology 200 €/year
Primary Care Consultations: Full coverage
Specialist Consultations: Full coverage
Diagnostic Tests and therapeutic methods
Therapies (physiotherapy, speech therapy, etc.)
Speech therapy. It covers up to 80 sessions per year and insured. The following are covered: Organic processes associated to the larynx and vocal cords.
Video consultation with more than 3.100 doctors available in all specialities.
-24-hour emergency service via video consultation in just a few minutes and without an appointment, for both general and paediatric* emergencies.
-In addition, if needed, the doctor can prescribe medication and diagnostic tests during the video consultation.
Health plans (Nutrition, Personal Trainer, Pregnancy, etc)
Delivery of medicines from the pharmacy. Up to 6 deliveries of medicines from the pharmacy per year. The medicines will be delivered within 3 hours across Spain.
More than 30 services included
Dental CT and all radiology services included
Including dental consultations for review and diagnosis with specialists
Review and cleaning
Tooth extraction, etc
Additional Services: More than 170 services with exclusive discounts
Not covered
Emergency Coverage Abroad: Up to 90 days, €12,000/person/year
Co-pay: None
Deductible: None
Waiting periods: without total waiting periods.
Pre-existing conditions: without total pre-existing conditions.
In Network: Cashless
Out Network: Not Applicable
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Specific Coverage for Psychiatric Admission: Up to 50 days per insured per year for acute outbreaks; Up to €1,500/year on Out-Network Psychiatric admission
Hospitalization
Surgery
Intensive Care Unit
Transplants:
-Surgery for cornea transplant with the cornea to transplant being paid for by Sanitas.
-Comprises autologous bone marrow and parentperipheral blood cell transplants solely for treatment of haematological tumours.
Rehabilitation: as indicated in the General Conditions.
Under admission to hospital, it will be provided for the recovery of the musculoskeletal system secondary to an orthopaedic operation and recovery of the heart immediately after an acute myocardial infarction and after surgery with extracorporeal circulation.
It is provided on an outpatient basis for conditions originating in the musculoskeletal system.
Oncology Treatment: as indicated in the General Conditions
Prostheses and Implants:
covers internal prostheses and internal internal prostheses and internal implantable materials expressly listed in the General Conditions.
Mental Health In-Patient Care:
Psychiatric admission is covered under admission (with overnight stay) for the treatment of acute outbreaks. It is limited to a maximum of 50 days per insured person per year.
Out-Network: 1.500 €/year Psichology/Psichiatry limit (Including Psychiatric admission).
Ambulance
Specific Coverage:
Psychology: It includes a maximum of 4 consultations per month and with a limit of 15 sessions per Insured and insurance annuity
Podology: Limited to 12 sessions/year
Out-Network:
-1.500 €/year Psichology/Psichiatry limit (Including Psychiatric admission).
-Podology 200 €/year
Primary Care Consultations: Full coverage
Specialist Consultations: Full coverage
Diagnostic Tests and therapeutic methods
Therapies (physiotherapy, speech therapy, etc.)
Speech therapy. It covers up to 80 sessions per year and insured. The following are covered: Organic processes associated to the larynx and vocal cords.
Video consultation with more than 3.100 doctors available in all specialities.
-24-hour emergency service via video consultation in just a few minutes and without an appointment, for both general and paediatric* emergencies.
-In addition, if needed, the doctor can prescribe medication and diagnostic tests during the video consultation.
Health plans (Nutrition, Personal Trainer, Pregnancy, etc)
Delivery of medicines from the pharmacy. Up to 6 deliveries of medicines from the pharmacy per year. The medicines will be delivered within 3 hours across Spain.
More than 30 services included
Dental CT and all radiology services included
Including dental consultations for review and diagnosis with specialists
Review and cleaning
Tooth extraction, etc
Additional Services: More than 170 services with exclusive discounts
Coverage: Graduated contact lenses and graduated lenses (frames excluded)
Reimbursement: 50% reimbursement up to 600 EUR per year (Ophthalmologist prescription required)
Emergency Coverage Abroad: Up to 90 days, €12,000/person/year
Co-pay: None
Waiting periods
Optican´s cover: 3-month waiting period.
Other services: without total waiting periods.
Pre-existing conditions
without total pre-existing conditions.
In Network: Cashless
Out Network: 80% Reimbursement up to the limits indicated in the policy
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $6,000
Complications of Pregnancy/Childbirth: Up to $13,500
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Maximum Plan Benefit: $3,500
Deductible: $135
Medical Practitioner Fees & Prescription Drugs: Up to $1,350
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $600
Non-Prescribed Physiotherapy: Up to 10 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $300
Infertility Treatment: Up to $16,000
Psychiatry and Psychotherapy: Max 10 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Not covered
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $300
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
The Standard tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Not covered
Not covered
Co-pay: None
Outpatient Deductible: $135
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/parter and children.
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $6,000 with 20% co-Pay
Complications of Pregnancy/Childbirth: Up to $13,500
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Maximum Plan Benefit: $3,500
Deductible: $135
Medical Practitioner Fees & Prescription Drugs: Up to $1,350
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $600
Non-Prescribed Physiotherapy: Up to 10 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $300
Infertility Treatment: Up to $25,000 per lifetime
Psychiatry and Psychotherapy: Max 10 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Not covered
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $300
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300
The Standard tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Not covered
Not covered
Co-pay: 20% on Maternity
Outpatient Deductible: $135
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/parter and children.
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $6,000
Complications of Pregnancy/Childbirth: Up to $13,500
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Treatment for Alcohol and Drug Addiction: Up to $5,000
Gender Dysphoria Services: Up to $25,000 per lifetime
Maximum Plan Benefit: $5,060
Deductible: None
Medical Practitioner Fees: Up to $1,350
Prescription Drugs: Full coverage
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $600
Non-Prescribed Physiotherapy: Up to 10 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $500
Health and Wellbeing Checks: See details below
Infertility Treatment: Up to $16,000
Psychiatry and Psychotherapy: Max 10 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Up to $250
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $500
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
The Premium tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Preventative Dental Treatment: 100% refund
Routine Dental Treatment: Full coverage
Major Restorative Dental Treatment: Full coverage
Periodontics: Full coverage
Prescribed Glasses and Contact Lenses: Up to $250, including eye examination
Co-pay: None
Deductible: None
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $6,000 with 20% co-pay
Complications of Pregnancy/Childbirth: Up to $13,500
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Treatment for Alcohol and Drug Addiction: Up to $5,000
Gender Dysphoria Services: Up to $25,000 per lifetime
Maximum Plan Benefit: $5,060
Deductible: $100
Medical Practitioner Fees: Up to $1,350
Prescription Drugs: Full coverage
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $600
Non-Prescribed Physiotherapy: Up to 10 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $500
Health and Wellbeing Checks: See details below
Infertility Treatment: Up to $25,000 per lifetime
Psychiatry and Psychotherapy: Max 10 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Up to $250
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $500
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500
The Premium tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Preventative Dental Treatment: 100% refund
Routine Dental Treatment: Full coverage
Major Restorative Dental Treatment: Full coverage
Periodontics: Full coverage
Prescribed Glasses and Contact Lenses: Up to $250, including eye examination
Co-pay: 20% on Maternity
Deductible: $100 on Outpatient treatments
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $6,000
Complications of Pregnancy/Childbirth: Up to $13,500
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Treatment for Alcohol and Drug Addiction: Up to $15,000
Gender Dysphoria Services: Up to $50,000 per lifetime
Maximum Plan Benefit: $6,000
Deductible: None
Medical Practitioner Fees: Up to $1,350
Prescription Drugs: Full coverage
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $1,275
Non-Prescribed Physiotherapy: Up to 10 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $300
Health and Wellbeing Checks: See details below
Infertility Treatment: Up to $16,000
Psychiatry and Psychotherapy: Max 20 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Up to $250
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $300
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
The Gold tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Preventative Dental Treatment: 100% refund
Routine Dental Treatment: Full coverage
Major Restorative Dental Treatment: Full coverage
Periodontics: Full coverage
Prescribed Glasses and Contact Lenses: Up to $250, including eye examination
Co-pay: None
Deductible: None
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $6,000 with 10% co-pay
Complications of Pregnancy/Childbirth: Up to $13,500
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Treatment for Alcohol and Drug Addiction: Up to $15,000
Gender Dysphoria Services: Up to $50,000 per lifetime
Maximum Plan Benefit: $6,000
Deductible: $50
Medical Practitioner Fees: Up to $1,350
Prescription Drugs: Full coverage
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $1,275
Non-Prescribed Physiotherapy: Up to 10 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $300
Health and Wellbeing Checks: See details below
Infertility Treatment: Up to $25,000 per lifetime
Psychiatry and Psychotherapy: Max 20 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Up to $250
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $300
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300
The Gold tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Preventative Dental Treatment: 100% refund
Routine Dental Treatment: Full coverage
Major Restorative Dental Treatment: Full coverage
Periodontics: Full coverage
Prescribed Glasses and Contact Lenses: Up to $250, including eye examination
Co-pay: 10% on Maternity
Deductible: $50 on Outpatient treatments
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $10,000
Complications of Pregnancy/Childbirth: Up to $50,000
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Treatment for Alcohol and Drug Addiction: Up to $15,000
Gender Dysphoria Services: Up to $50,000 per lifetime
Maximum Plan Benefit: $15,000
Deductible: None
Medical Practitioner Fees: Full coverege
Prescription Drugs: Full coverage
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $2,500
Non-Prescribed Physiotherapy: Up to 20 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $500
Health and Wellbeing Checks: See details below
Infertility Treatment: Up to $16,000
Psychiatry and Psychotherapy: Max 30 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Up to $500
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $500
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
The Platinum tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Preventative Dental Treatment: 100% refund
Routine Dental Treatment: Full coverage
Major Restorative Dental Treatment: Full coverage
Periodontics: Full coverage
Prescribed Glasses and Contact Lenses: Up to $500, including eye examination
Co-pay: None
Deductible: None
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Hospital Accommodation: Private room
Intensive Care: Full coverage
Prescription Drugs and Materials: Full coverage
Surgical Fees (including anesthesia and charges): Full coverage
Physician and Therapist Fees: Full coverage
Surgical Appliances and Materials: Full coverage
Diagnostic Tests: Full coverage
Organ Transplant: Full coverage
Psychiatry and Psychotherapy: Full coverage
Parent Accommodation (for children under 18): Full coverage
Emergency In-Patient Dental Treatment: Full coverage
Day-Care Treatment: Full coverage
Kidney Dialysis: Full coverage
Out-Patient Surgery: Full coverage
Nursing at Home or Convalescent Home: Up to $3,375
Rehabilitation Treatment: Up to $3,375
Local Ambulance: Full coverage
Emergency Treatment Outside Area of Cover: Up to $50,000
Medical Evacuation: Full coverage
Expenses for Accompanying Evacuation: Up to $2,700
Travel Costs for Family Members (Evacuation): Up to $2,700
Repatriation of Mortal Remains: Up to $13,500
Travel Costs for Family (Repatriation): Up to $4,050
CT and MRI Scans: Full coverage
PET and CT-PET Scans: Full coverage
Oncology: Full coverage
Purchase of Wig/Prosthetic Bra: Up to $270
Routine Maternity: Up to $10,000 with 10% co-pay
Complications of Pregnancy/Childbirth: Up to $50,000
In-Patient Cash Benefit: $205 per night (max 25 nights)
Emergency Out-Patient Treatment: Full coverage
Palliative Care: Full coverage
Long Term Care: Full coverage (max 90 days)
HIV/AIDS Treatment: Full coverage
Treatment for Alcohol and Drug Addiction: Up to $15,000
Gender Dysphoria Services: Up to $50,000 per lifetime
Maximum Plan Benefit: $15,000
Deductible: None
Medical Practitioner Fees: Full coverege
Prescription Drugs: Full coverage
Diagnostic Tests: Full coverage
Video Consultation Services: Full coverage
Specialist Fees: Full coverage
Chiropractic, Osteopathy, Homeopathy, Acupuncture, Podiatry: Full coverage
Prescribed Physiotherapy: Up to $2,500
Non-Prescribed Physiotherapy: Up to 20 visits
Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
Vaccinations: Up to $500
Health and Wellbeing Checks: See details below
Infertility Treatment: Up to $25,000 per lifetime
Psychiatry and Psychotherapy: Max 30 visits
Prescribed Medical Aids: Up to $675
Prescribed Glasses and Contact Lenses: Up to $500
Hormone Replacement Therapy: Full coverage
Cancer Screening (see details below): Up to $500
Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500
The Platinum tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.
Preventative Dental Treatment: 100% refund
Routine Dental Treatment: Full coverage
Major Restorative Dental Treatment: Full coverage
Periodontics: Full coverage
Prescribed Glasses and Contact Lenses: Up to $500, including eye examination
Co-pay: 10% on Maternity
Deductible: None
You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.
Annual pap smear
Mammogram (every two years for women aged 45+, or younger where a family history exists)
Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
Annual faecal occult blood test
BRCA1 and BRCA2 genetic test (where a direct family history exists)
Physical examination
Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
Neurological examination (physical examination)
Bone densitometry (every five years for women aged 50+)
Well child test (for children up to the age of six years)
Offering life insurance is not mandatory in this country, but providing these additional benefits can significantly enhance the financial security and peace of mind for employees.
The Global Life Insurance offering provides flexible coverage levels ranging from $50,000 to $600,000 , tailored to meet the diverse needs and budgets of the company and its employees. This benefit includes two options:
The Basic Offering provides Life Insurance coverage. In the unfortunate event of an employee’s demise, their beneficiary will receive a payout equivalent to up to 6 times the employee’s annual salary. However, this compensation is capped at a maximum of the selected cover limit. This means that the payout will not exceed the cover limit applicable, regardless of the employee’s salary. Find an example on how these payouts work here !
The Comprehensive Offering at Remote combines Life Insurance, Accidental Death & Dismemberment (AD&D), and Permanent Disability (PD) coverage. In cases of accidental death, dismemberment, or a permanent disability, the compensation is equivalent to up to 5 times the employee’s annual salary, subject to a predetermined limit. This compensation is capped at a maximum cover limit provided by Remote. The payout will not exceed the applicable cover limit, regardless of the employee’s salary.
It is essential to be aware that in certain countries, insurance premium taxes may be applicable. This means taxes may be due to the company for the monthly premiums paid
towards the life insurance coverage for employees. Additionally, life insurance benefits may be categorized as ‘Benefits in Kind’ (BIK). This categorization means that the monthly premiums paid for the life insurance coverage might be counted as part of the employee’s taxable income according to the local tax laws.
When life insurance benefits are offered , they must be provided equally to all employees in the respective country.
Provides financial protection and security for beneficiaries after the death of an insured team member.
In the unfortunate event of a team member’s demise, beneficiary compensation cannot exceed 6 times the team member’s annual salary or the chosen cover level (whichever is lower).
Example: See help article for details
Not covered
Not covered
Provides financial protection and security for beneficiaries after the death of an insured team member.
In the unfortunate event of a team member’s demise, beneficiary compensation cannot exceed 6 times the team member’s annual salary or the chosen cover level (whichever is lower).
Offers financial protection to beneficiaries in the unfortunate events of an insured team member's accidental death or dismemberment.
Compensation cannot exceed 5 times the team member'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.
Designed to offer financial support to insured team members who suffer from either permanent and total or permanent and partial disabilities as a result of an accident or illness.
Compensation cannot exceed 5 times the team member'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:
Disabilities below 33.33%: No compensation
Disabilities between 33.33% and 66.67%: Compensation calculated as a percentage of the capped amount
Permanent disabilities exceeding 66.67%: Full capped compensation amount
For detailed examples of how the compensation is calculated for Life Insurance, Accidental Death & Dismemberment (AD&D), and Permanent Disability, refer to the help article for details
If you have any questions, please email [email protected].
Offering mental health benefits is not mandatory in this country, but providing the benefit can significantly enhance the emotional well-being and overall productivity of employees.
Remote offers a comprehensive employee mental wellbeing platform in partnership with one of the top-rated employee mental wellbeing providers. This platform is available on desktop and mobile apps and includes 1-to-1 therapy with a curated pool of top-quality therapists in over 35 languages. The advanced matching service finds each employee the right therapist within 48 hours, boasting a 98% success rate. Employees receive a personal wellbeing profile with tailored recommendations and information to track progress. The platform also offers a curated self-guided content library with audio mindfulness and meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers. Additionally, there are 24/7 mental health helplines for immediate support when an employee is struggling.
Mental health program benefits may be offered to the employees from among 5 different plans. Offering mental health benefits is optional, but it can greatly enhance employee well-being and productivity.
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 paid
for the benefit might be counted as part of the employee’s taxable income according to the local tax laws.
When mental health benefits are offered, they must be provided equally to all employees in the respective country.
Access to the wellbeing platform and app, which includes:
Personalized wellbeing assessment
Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers
Access to manager-specific learnings and resources
Precision matching for 1:1 coaching and therapy in 35+ languages
Professional coaching
Text-based chat with dedicated practitioner
24/7 global support in all languages
Add up to 3 friends and family to the platform
Not included in the Basic plan
Team members can pay for therapy sessions themselves, if needed.
Access to the wellbeing platform and app, which includes:
Personalized wellbeing assessment
Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers
Access to manager-specific learnings and resources
Precision matching for 1:1 coaching and therapy in 35+ languages
Professional coaching
Text-based chat with dedicated practitioner
24/7 global support in all languages
Add up to 3 friends and family to the platform
Includes one pre-paid Therapy/Coaching session per policy year
Team members can pay for extra therapy sessions themselves, if needed.
Access to the wellbeing platform and app, which includes:
Personalized wellbeing assessment
Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers
Access to manager-specific learnings and resources
Precision matching for 1:1 coaching and therapy in 35+ languages
Professional coaching
Text-based chat with dedicated practitioner
24/7 global support in all languages
Add up to 3 friends and family to the platform
Includes three pre-paid Therapy/Coaching sessions per policy year
Team members can pay for extra therapy sessions themselves, if needed.
Access to the wellbeing platform and app, which includes:
Personalized wellbeing assessment
Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers
Access to manager-specific learnings and resources
Precision matching for 1:1 coaching and therapy in 35+ languages
Professional coaching
Text-based chat with dedicated practitioner
24/7 global support in all languages
Add up to 3 friends and family to the platform
Includes six pre-paid Therapy/Coaching sessions per policy year
Team members can pay for extra therapy sessions themselves, if needed.
Access to the wellbeing platform and app, which includes:
Personalized wellbeing assessment
Access to world-class self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers
Access to manager-specific learnings and resources
Precision matching for 1:1 coaching and therapy in 35+ languages
Professional coaching
Text-based chat with dedicated practitioner
24/7 global support in all languages
Add up to 3 friends and family to the platform
Includes twelve pre-paid Therapy/Coaching sessions per policy year
Team members can pay for extra therapy sessions themselves, if needed.
Clients can choose to offer the Wellness & Lifestyle Benefit and select from multiple contribution levels, providing their team members a monthly wallet, which they can use with their virtual card at approved stores, online retailers, or any other approved vendors related to Lifestyle and Wellness benefits. The offered services include:
Physical and mental health support such as gym memberships, fitness classes, therapy, mindfulness apps, and guided meditation.
Lifestyle services like streaming subscriptions (Spotify, Netflix), groceries, and other services that support work-life balance and personal well-being.
Personalized recommendations to help employees select benefits most relevant to their needs.
Platform support for employees needing immediate assistance or guidance on wellness-related concerns.
The available contributions are:
$25 USD
$50 USD
$100 USD
$150 USD
$200 USD
$250 USD
$300 USD
Clients can choose to offer the Wellness & Lifestyle Benefit and select from multiple contribution levels, providing their team members a monthly wallet, which they can use with their virtual card at approved stores, online retailers, or any other approved vendors related to Lifestyle and Wellness benefits. The offered services include:
Physical and mental health support such as gym memberships, fitness classes, therapy, mindfulness apps, and guided meditation.
Lifestyle services like streaming subscriptions (Spotify, Netflix), groceries, and other services that support work-life balance and personal well-being.
Personalized recommendations to help employees select benefits most relevant to their needs.
Platform support for employees needing immediate assistance or guidance on wellness-related concerns.
The available contributions are:
$25 USD
$50 USD
$100 USD
$150 USD
$200 USD
$250 USD
$300 USD
Spain has a strong economy with key industries in tourism, manufacturing, and finance. With specific labor laws and tax regulations, employers in Spain must ensure compliance with local payroll requirements, including social security contributions, employment contracts, and tax obligations. Understanding these regulations is essential for smooth payroll operations and legal compliance.
Employers in Spain must adhere to national payroll regulations regarding wages, taxes, and social contributions. Below is an overview of key payroll components:
Minimum wage: Spain’s minimum wage is EUR 1,134 per month.
Payroll frequency: Salaries are generally paid monthly.
Standard working hours: The normal workweek in Spain is 40 hours, typically spread over five days.
Overtime: Employees are entitled to additional pay for overtime work, calculated at 125% of the regular wage for extra hours and 150% for work on public holidays.
Personal income tax: Spain has a progressive income tax system with rates ranging from 19% to 47% depending on income levels.
Employer contributions:
Employee contributions:
Corporate tax: The corporate income tax rate in Spain is 25%.
Tax reporting: Employers must file payroll taxes and contributions with the Spanish Tax Agency (Agencia Tributaria) and Social Security Office regularly.
Employment contracts must be provided in writing and specify terms such as salary, working hours, and job responsibilities.
Payroll deductions: Employers must ensure accurate deductions for social security, health insurance, and income tax.
Employers must stay updated on changes to Spain’s labor laws and tax regulations to avoid penalties.
Managing payroll in Spain requires careful attention to tax regulations, employment laws, and social security requirements. Employers must stay informed about tax rates, wage laws, and reporting deadlines to ensure smooth payroll processing and avoid penalties.
The good news is, you can pay anyone, anywhere — from your team in the office to your team abroad, all with Remote Payroll. To see just how easy global payroll can be with Remote, book a demo today.
Hiring contractors in Spain can be a strategic and cost-effective way for businesses to complete projects without the obligations of hiring full-time employees. Whether you are engaging independent contractors for specialized services or working with subcontractors for temporary work, understanding Spain’s labor laws and regulations is essential.
Remote helps businesses stay compliant when hiring contractors globally with these key features:
Global compliance support: Ensures adherence to labor laws in 200+ countries with localized contracts and proper documentation.
Misclassification protection: Includes built-in compliance checks and seamless contractor-to-employee conversion.
Centralized documentation: Maintains essential records for audits and automates tax filings.
Legal expertise: Provides guidance on complex local labor laws, simplifying international hiring.
Remote’s streamlined approach minimizes compliance risks and simplifies contractor management for businesses.
Remote simplifies contractor payments with:
Automated processing: One-click approvals, bulk payments, recurring invoices, and real-time tracking.
Global coverage: Payments in 200+ countries, multiple payment methods, and currency flexibility.
Cost and compliance: Fair price guarantee (pay only for active contractors), built-in compliance with regional regulations, and localized contracts.
Learn more about how Remote simplifies contractor management in Spain — get started for free today.
Equity incentives are an invaluable way to attract, motivate, and retain top talent for your business. But when you cross hiring borders, they can become deeply complex.
Remote enables you to easily offer non-qualified stock options (NSOs) to your team members in Spain. There are no compliance headaches or administrative hassles — just simplicity and clarity for you and your people at every step.
NSOs are a type of equity incentive. They give your team members the right to buy a set number of shares in your company at a fixed price, known as the exercise price.
This typically happens after a vesting period, which is often based on the length of time your team member stays at your company. As a result, they are a great way to foster long-term commitment, and align people with your company’s strategic goals.
Direct employees | EOR employees | Contractors | |
Can receive NSOs? | Yes | Yes | Yes |
Difficulty score | Hard | Hard | Easy |
It’s important to note that granting stock options to contractors can also potentially increase your misclassification risk in Spain (although this is not the primary factor). See how Remote protects you against misclassification.
In Spain, NSOs are taxed in the following ways:
Direct employees | EOR employees | Contractors | |
At grant | There is no taxation at grant. | There is no taxation at grant. | There is no taxation at grant. |
At exercise | The spread (i.e., the difference between the fair market value of the shares and the exercise price) is taxed at progressive income tax rates depending on the employee’s tax residence. Social security applies. | The spread (i.e., the difference between the fair market value of the shares and the exercise price) is taxed at progressive income tax rates depending on the employee’s tax residence. Social security applies. | The spread (i.e., the difference between the fair market value of the shares and the exercise price) is taxed at progressive income tax rates depending on the contractor’s tax residence. Social security applies. |
At sale | Any gain is taxed as savings income. | Any gain is taxed as savings income. | Any gain is taxed as savings income. |
Note that, upon exercise over a certain value, the grantee may have to file an annual tax information report to the tax authorities. This is only a reporting obligation; no taxes are due.
Direct employees | EOR employees | Contractors |
Employees — under certain conditions — may be entitled to a reduction on the taxation of the spread at the time of exercise. Under certain conditions and restrictions, your employee can benefit from a tax exemption of a percentage of the taxable gain at exercise. Another slight advantage is the fact that capital gains are taxed less heavily than salary income. In general, the earlier the employee exercises, the better (from a tax perspective). Any increase in the value of the shares between the time of exercise and the time of sale will be subject to a lower tax rate. | Under certain conditions and restrictions, the employee can benefit from a tax exemption of a percentage of the taxable gain at exercise. Another slight advantage is the fact that capital gains are taxed less heavily than salary income. In general, the earlier the employee exercises, the better (from a tax perspective). Any increase in the value of the shares between the time of exercise and the time of sale will be subject to a lower tax rate. | Under certain conditions and restrictions, your contractor can benefit from a tax exemption of a percentage of the taxable gain at exercise. Another slight advantage is the fact that capital gains are taxed less heavily than salary income. In general, the earlier the contractor exercises, the better (from a tax perspective). Any increase in the value of the shares between the time of exercise and the time of sale will be subject to a lower tax rate. |
If you want to use Remote Equity Advanced to offer stock options to your Spain-based team members, your top corporation (i.e., your parent company) must be incorporated in Delaware. Your company must also be private — not publicly listed.
$699
per employee/month
Hire without opening a local entity in 90+ countries
Onboarding with a dedicated specialist
Local payroll paid on time, every time
Compliance protections built-in
Competitive, flexible and localized benefits
Dedicated in-house experts for local support
Includes HR Essentials as standard
$29
per employee/month
Powerful, transparent international payroll
Simple self-service platform
Personalized support from dedicated specialists
Adhere to local payroll regulations in every country
Integrated benefits management
Includes HR Core as standard
$29
per contractor/month
Only pay for contractors you actively work with
Work with international contractors
Create, edit, and sign tailored, localized contracts
Approve contractor invoices with one click or auto-pay
Transparent payments with complete visibility
Includes HR Core as standard
