Do I have any benefits? – Deel

You are entitled to all mandatory benefits (health insurance, pension plan, etc.) as per local labor law of the country you are currently employed in. Check the local labor law regulations to obtain more information about what kind of benefits are provided in your country.

Additionally, the Client (the company you perform your work for) may have opted to provide you with Deel healthcare coverage. Deel has partnered with Unisure to bring you Global Healthcare. Please note this allowance benefit may be taxable depending on your country.

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts, etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

Of course! You're entitled to statutory benefits per local labor laws.

Pension

NEST

Homepage

Do I have any benefits?

You will also be enrolled in the NEST workplace pension scheme. This is an employee and employer contribution plan, that you may opt-out of at any time.

Retirement

Deel has partnered with NEST to bring you this workplace pension scheme. You'll have access to the NEST web platform. Once enrolled in the plan NEST puts your money to work in its standard pension fund, however, if you wish to choose how your money is used NEST has a variety of different options.

When am I enrolled in Nest?
- For your convenience, you'll get automatically enrolled in this workplace pension plan after we complete your first payroll.
- Enrollments occur on the 26th of each month, for employees who start between the 1st and 15th of that same month. If you start after the 15th, you will be enrolled on the 26th of the following month. (ie, if you start on October 20th, you will be enrolled on November 26th).
- If you wish to opt-out of the workplace pension you must do this through the Nest portal within 1 month of your enrolment date.
When should I receive documentation from Nest that I am enrolled?
- You will receive an email from Nest with documentation of your enrollment within 10 working days of your first salary payment
- If the email from NEST was not received at all but the contribution was deducted from your salary, please contact Nest directly via their help section on their webpage here
- In addition to your email, you will receive a letter by post within 2 weeks from when you receive your first salary payment, with login details.
When can I see my contributions?
- Your employee portal will generally be updated within 5 - 7 working days from the 22nd of the month following the relevant pay cycle
- ie, For November contributions, would be shown on 27th of December
General Questions
- If you currently have another provider, we won't be able to make contributions to their scheme. You can either retain both separately until retirement or transfer your old pension pot to NEST. For details on how to do this, check here.
- A workplace pension is a great benefit since it allows you to save from pre-tax income, and watch your contributions grow over time while lowering your income tax.
- NEST provides you with education about retirement investing to help you make the best choice. Their platform offers seven different investment funds to select from.
- Employer contributions are capped at 3%, while employees have a minimum contribution of 5%.
- If you'd like to opt-out, log into the platform and choose to opt-out. You can only do this within the first month of enrolment.
- If you'd like to change your contributions, please be sure to do it 3 days before the next month, so it's reflected in your next pay cycle.
- For further FAQs head to the NEST here

Health insurance

National Health Service (NHS)

Homepage

The National Health Service (NHS) provides your public healthcare coverage, including everything from doctor's appointments to emergency surgery. Everyone living permanently in the UK is entitled to care provided by the NHS.

The NHS covers the following, among other things:

Planned hospital care
Rehabilitative care
Urgent and emergency care
Most community health services
Mental health and learning disability services

Check more about the NHS here.

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you have any questions regarding the plan and/or enrolment, please contact Unisure at info.umatter@unisuregroup.com.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

Of course! You're entitled to statutory benefits per local labor laws. Additionally, you'll get access to a health benefit plan through our partners UnitedHealthcare, Delta Dental and VSP Vision along with the option of a 401(k) through our partner Vestwell.

Health Insurance

After signing your employment agreement. You'll receive an email from Zenefits, Deel's benefits administration - tool to assist you with your health benefits enrolment.
You have 30 days to complete the enrolment from your start-date. After this period, the application cannot be submitted and you will be auto enrolled.
Open enrolment begins on November 22nd 2021, and finishes at December 6th. You have 30 days from your date of hire to make your benefit elections. After 30 days, if you take no action you will be auto enrolled as an employee only without dependents in our benefits, and won’t be able make changes or waive coverage until the next open enrolment period, barring a qualifying life event.
If you are electing benefits during Open Enrolment, the benefits will become effective January 1st of the coming year. If you are electing benefits any time after January 1, 2022, benefits become effective date of hire.
To learn more about the benefit coverage: take a look at the US: Health Benefit Guide at the bottom of this page. This guide includes details about the plan coverage and information about our healthcare providers.
If you wish to waive this benefit completely, please contact: employee.experience@letsdeel.com

401k

Vestwell

Homepage

Saving for retirement

Deel has partnered with Vestwell to bring you a 401(k) retirement plan. Once enrolled, you'll have access to the Vestwell web platform and mobile app, where you to select your risk limit and investment style.

When am I enrolled in Vestwell?
- For your convenience, you'll get automatically enrolled in this employee-only contribution plan after we complete your first payroll.
When should I receive documentation from Vestwell that I am enrolled?
- You'll receive an email from Vestwell to create an account and make changes to your contribution after your first payday. You can also choose to opt-out of the plan entirely, by leaving your contribution at 0%.
- If you didn’t receive the email at all but the contribution was deducted from your salary, please contact Deel customer experience team
When can I see my contributions?
- A 401(k) is great because you can get a tax break while saving directly from your paycheck. Make adjustments and watch your contributions grow over time while lowering your income tax.
- Once enrolled on the platform Vestwell provides you with a variety of options about how to invest your money for retirement. Depending on your comfort level, Vestwell offers different methods to select investments, ranging from risk-based portfolios to a target-date series.
- Your 401(k) contribution level will be set at 0% by default if your hire date is after October 31st 2021. If you were hired on or before October 31st 2021 you will have been auto-enrolled at 6%.
- If you wish to make changes to your contribution levels or opt out, these will be taken into consideration within the next two pay periods.
- For more answers to FAQs, visit the Vestwell website.

You are entitled to all mandatory benefits (health insurance, pension plan etc.) as per local labor law of Colombia.

AFC Savings account

If you wish to have the AFC contribution, please go to “Compliance documents” tab in the platform and attach the following:

AFC bank account certificate,
Authorization letter.

Voluntary Pension

If you wish to have voluntary pension contributions, please go to “Compliance documents” tab in the platform and attach the following:

Bank account certificate,
Authorization letter.

Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

Health insurance
You and your family are entitled to statutory health care. Children will receive health insurance until the age of 18 or 27 if they continue studying.

What is covered?
Preventive examinations: preventive medical examinations for early detection of diseases. Special programs exist for young persons up to the age of 19 years, as well as annual checks for early detection of cancer, diabetes and cardiovascular diseases. Spa treatments and rehabilitation measures for preventing the medical condition from deteriorating are also covered by the sickness insurance.

You as your dependents (partner and children) are entitled to treatment by general practitioners, specialists and dentists. You may also be entitled to medicines and medical equipment, if this is medically indicated.

At-home nursing care is also provided and paid for by the sickness insurance fund. It covers certain types of medical treatment provided by registered nurses (e.g. administering injections, special nutrition, dressing wounds, etc.). If the nature of the illness so requires, they are entitled to treatment in a hospital (without time limit) under the standard-rate category.

Public Pension Insurance
You will be entitled to an old-age pension (Altersrente) when reaching the age of 60 (women) or 65 (men). The pensionable age for women will be gradually increased to that for men (i.e. to 65) between 2024 and 2033.

Amount of pension: the amount of old-age pension is calculated taking into account the age and length of insurance of each person. For persons below the age of 50 at the beginning of 2005 and for insurance periods after January 2005 a system of defined-benefit pension accounts based on current-income financing (“pay-as-you-go”) is in force. Under this system, pension entitlements acquired are calculated each year. The basis for calculation is the average income in a calendar year, subject to a ceiling. For each calendar year, 1.78% of this amount is credited to the pension account.

Unemployment Insurance
Is mandatory for the employer and employee to contribute to unemployment insurance. You will be entitled to an unemployment benefit (Arbeitslosengeld) if you have been covered by unemployment insurance for at least 52 weeks during the last 24 months. Or 26 weeks within the last 12 months if the person your age is below 25 years.

Workers Compensation Insurance
The accident insurance scheme covers you while you are at work or traveling to or from work. Cover includes measures to prevent accidents as well as benefits in the event of injury.

All persons employed are subject to compulsory accident insurance.

If an accident occurs, you will receive the cash payments to which you will be entitled in the event of incapacity for work due to illness (continued payment of wages or sickness cash benefit).

However, if disability pension would be higher, the difference is made up. In case of being at the hospital or a special clinic, you will be entitled to a daily benefit. For example family allowance or daily allowance, will vary depending on the family circumstances. In such cases payment of the disability pension is suspended.

Pension Fund: unlike the public pension, your employer, Deel, is obliged to contribute 1.53% of the gross salary to a private pension for the employee. There are different providers, Deel's provider is VBV-Vorsorgekasse.

FAQ's About VBV-Vorsorgekasse Pension Fund

What is the aim of the pension fund and how does it work? From the second month of employment onwards, your severance payment entitlements will grow: then contributions amounting to 1.53% of your monthly salary (including special payments) will continuously flow into a pension account. This is paid for by the employer. This transfers the contributions to the Austrian Health Insurance Fund (ÖGK), which then forwards them to the selected pension fund, which is responsible for the administration and assessment of the contributions.
Can each employee choose their pension fund? No, the principle applies: "One employer - one pension fund". Therefore, only the employer concludes the "membership contract" with the pension fund, which then applies to all employees of the company. This is also the case if the company changes to another pension fund valid for all employees.
Enrollment process you are automatically enrolled by the employer into their pension and will start contributing in the second month of employment.

You are entitled to all mandatory benefits (health insurance, pension plan etc.) as per local labor law of Panama:

Educational Insurance
Social Security
Workers Compensation Insurance
Work from Home Allowance
13th Salary

Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

You are entitled to all mandatory benefits (health insurance, pension plan etc.) as per local labor law of the country you are currently employed in. Check the local labour law regulations to obtain more information about what kind of benefits are provided in your country.

Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

BES Program

What is BES?
Personal Pension System (Bireysel Emeklik Sistemi)

Why was I enrolled in this program?
You were enrolled under Law No. 4632 concerning Personal Pension System (Bireysel Emeklik Sistemi), which regulates enrolment and other issues concerning this private pension scheme. By law, a Turkish company with 5 or more employees must enroll the employees in this pension scheme.

Which Insurance provider is my pension fund with?
Anadolu Hayat Emeklilik A.Ş

How much do I have to pay? How will I pay?
3% of your salary that is social security premium base that is applicable will be withheld by us and will be paid to the insurance company by us on your behalf.

Can I opt out?
Yes, after the first month.

Can I receive a refund for the amount I paid?
Yes, once you opt out you can request a refund.

How can I opt out?
Once we make the first payment on your behalf, you will be able to submit a petition to the insurance company asking to opt out and for a refund. If you would like to opt out, please send us an email and we will send you a draft for the petition and instructions for how to opt out.

Where will the refund go?
The insurance company will refund the amount that was deducted from your salary directly to your bank account.

You are entitled to all mandatory benefits as per the local labor law of the country you are currently employed in. Check the local labor law regulations to obtain more information about what kind of benefits are provided.

We are constantly expanding our local benefit offering, and we are working on bringing additional private benefits into this market.

Public Health Insurance

Public health insurance is obligatory in Serbia and you are entitled to it. Read more information here.

Social Security

Each employee in Serbia is entitled to social security which consists of the following schemes: social insurance, social protection and family benefits schemes. The social insurance schemes covers 3 types of insurances (health insurance, pension and invalidity insurance and unemployment insurance). This insurances are financed with social security contributions. Deel will contribute to your unemployment insurance. If you will be unemployed, you will be able to receive an income, professional orientation, training and retraining. You are entitled to cash benefits if at the time of termination or employment, you have at least eight months of uninterrupted work or eight months with interruptions in the last 18 months.

Disability insurance

You are entitled to receive insurance if you have an accident and meet the requirements in accordance with regulations pertaining to your area of residence. Read more information here.

Meal Allowance

You are entitled to a minimum meal allowance of 100 RSD per day.

Private Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts, etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

Other benefits

Employees Provident Fund (“EPF”)

EPF is a retirement savings fund. As your employer, we will contribute to it. You will be able to do a withdrawal upon retirement, credited into the your EPF account with the yearly dividend.

Employees’ Social Security (“SOCSO”)

Employment Injury Scheme and Invalidity Scheme – to provide social security protections to all employees. It is available to you in the event of work-related injury which caused the temporary disablement or permanent disablement.

Employment Insurance System (“EIS”)

The aim of the system is to help employees who have lost their job with financial aids. In the event of you losing your job, we can submit an application to the system within 60 days, provided you meet the requirements.

You are entitled to all mandatory benefits (health insurance, pension plan, etc.) as per the local labor law of the country you are currently employed in. Check the local labor law regulations to obtain more information about what kind of benefits are provided in Canada. Additionally, you will receive health insurance from our partner Sterling Capital Brokers and Canada Life. You'll also receive an email inviting you to register in a Wealthsimple Registered Retirement Savings Plan ("RRSP"). It's an employee-only contribution plan that you can opt-out of at any time.

Health insurance

Deel has partnered with ManuLife to offer health insurance to our employees. For details about your coverage plan, claims process, and other information please see the provider details in the Benefits Tab from the Deel homepage.

It is mandatory for Employers in Canada to offer a workplace private health insurance program, at the minimum plan of ‘Bronze’. Private insurance plans offer greater flexibility for employees, including:

reduced wait times for non-emergency procedures
greater choice when it comes to accessing specialist care
coverage for vision, dental, homecare, counseling, and other services not typically covered by Canadian Medicare.

Deel has partnered with ManuLife through our broker, Sterling Capital. You have access to three healthcare plans; Bronze, Silver and Gold for yourself and your eligible dependents.

You may upgrade your plan to cover your unique needs, but you are responsible for any difference in premium.

Saving for Retirement

Deel has partnered with Wealthsimple to bring you an RRSP retirement plan. Once enrolled, you'll have access to the Wealthsimple web platform and mobile app, where you to select your risk limit and investment style.

You'll receive an email from Wealthsimple to create an account and make changes based on your savings goals, where you can also choose to opt-out of the plan entirely.
An RRSP is a great benefit that allows you to save from pre-tax income and watch your contributions grow over time while lowering your income tax.
Wealthsimple provides you with education about investing for retirement to help you make the best choices. Their platform offers three different investment themes: Socially Responsible, Classic, and Halal.
If you'd like to opt-out of the RRSP or change your contributions, please be sure to do it by the 14th or the last day of the month, so it's reflected in your next pay cycle.
If your Wealthsimple email went to SPAM or you haven't received an email, but your contribution was deducted from your salary, please reach out to Wealthsimple directly at w4w@wealthsimple.com
For more answers to FAQs, visit the Wealthsimple website.

Do I have any benefits?

You are entitled to all mandatory benefits (public health insurance and pension plan) as per the local labor law of the country you are currently employed in.

The health care is provided through the exercise of activities of health institutions and medical workers. The medical activity is organized in order to ensure appropriate and successful health care you in normal and extraordinary circumstances.

Basic medical insurance is a mandatory insurance for all citizens, who are in formal work relationship, and for natural and legal persons, in accordance with the law.

Family Medicine

The family doctor gives counsels and provides help for the illnesses in general by ensuring continuous care for the protection of health. The care of family doctor includes these fields:

Provides medical counseling about the health protection and makes diagnosis of illnesses;
Makes diagnosis of illness and treats patients;
Advises and provides preventive treatment of illness.

The first contact should be made in case of cold, flu or illness is with the family doctor, therefore, you will need to visit your family doctor at the nearest medical center where you live.

The family doctor also gives prescriptions and advice of how to use the medicine as well as how to prevent the illness in the future. In case of need the family doctor suggests a visit with the specialist or hospitalization. The service of family medicine is paid with the exception of special cases.

Check the local labor law regulations to obtain more information about what kind of benefits are provided in Kosovo.

Pension based on personal savings, as an employee you are required to make monthly contributions to pension insurance. Each month you are required to contribute 5% of your salary, while your employer will accompany this with a 5% contribution of the same amount.

Contributions are transferred your individual account and invested with low risk by the Kosovo Pension Trust.

The amount of pension that will be received when retired will depend on the amount that has been accumulated in your individual account.

Pension

The pension is a benefit that each employee has the right to access, and when being an employee he has to provide the employer with the information of his provider.
The pension is not chosen by the employer, but by the employee. Sarona Innovation employees generally choose the Shekel Group service.
Before your first payment, no later than your second payment, you must provide us with the corresponding form so that the pension contributions are sent to your pension service.

In the case you would like to use Shekel Group, you can send an email to aditam@shekelgroup.co.il mentioning that you are a new employee for Sarona Innovation, attaching your ID (both sides).

Do I have any benefits?

You are entitled to all mandatory benefits as per the local labor law of the country you are currently employed in. Deel as your employer is must provide Workers Compensation Insurance, Occupational Health Insurance and Pension Insurance.

Workers Compensation Insurance

Deel's provider is Pohjola Occupational Insurance. The insurance compensates personal injuries that occur during work, in conditions caused by the work, or during commutes between the place of work and home for non remote employees.

What to do in the event of loss or injury

Our provider will assist you online and over the phone in the event of a loss or injury. If you have an ocupacional accident with minor injuries you need to:

Report the accident to Deel.
Contact the Pohjola Health Advisor service to receive instructions for treatment.

If your injury requires treatment, the Health Advisor will refer you to suitable treatment provided by one of our partner's physicians.
In emergencies and outside service hours, you may visit any clinic or hospital to receive first aid.

With our insurance you do not need any certificate of insurance. Simply tell the hospital or clinic that your employer has workers' compensation insurance at Pohjola Insurance. The hospital/clinic will send the statement and bill directly to us.

Occupational Health Insurance

Deel's provider is OmaMehiläinen. The occupational health team designated to you, the clinics included in your agreement, and your personal visit history at Mehiläinen can be conveniently checked via the free OmaMehiläinen online service.

OmaMehiläinen also offers a secure contact channel for consulting with your designated occupational health nurse and occupational health physician.

You can get acquainted with the service at www.omamehilainen.fi.

Pension Insurance

Deel's provider is Ilmarinen Mutual Pension Insurance. You will be covered with the mandatory TyEL insurance. TyEL contribution and its allocation between the employer and employee, this will vary according to your age.

Check your pension record

You can see the amount of pension you have accrued so far from your pension record at the

address ilmarinen.fi/en/my-pension

To know more about your mandatory benefits as per labor law, check the local labor law regulations to obtain more information about what kind of benefits are provided in Finland.

Do I have any benefits?

Private Health Insurance

Additionally, the employer may have opted to provide you with Deel healthcare coverage. We are partnering with Bupa, one of Australia’s largest private health insurers, to provide our clients the option to offer health care coverage to their employees.

The employer may also choose to cover your dependents, if they wish to do so. If they don’t, you still have the option to enroll their dependents by adding them to your plan during enrollment. The additional cost will be deducted from your paycheck each month, with deductions visible as a line item on the payslip.

Enrolment

If the Client has opted to provide you with private health insurance, Bupa will reach out to you directly with a link to their portal where you will complete enrollment. You will need to provide your details and choose the plan level. Your coverage will be effective from the contract start date.

If you wish to opt out, you can simply reply to the invitation to enroll from Bupa with this information.

Do I have any benefits?

Private Health Insurance

Deel has partnered with Connect-Resource to bring you best in class UAE healthcare. Employees will be offered to join with a GN healthcare policy. These plans can be used to cover you, and qualifying dependents and family members.

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email to setup your health insurance in the UAE.
The enrolment process is currently email and PDF form-based.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Connect-Resource. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
If you have any questions regarding the plan and/or enrolment, please reach out to:
employee.experience@letsdeel.com

Do I have any benefits?

You are entitled to all mandatory benefits (public health insurance and pension plan) as per the local labor law of the country in which you are currently employed.

Provident Fund

In Iceland, you are entitled to receive pension contributions from your employer and contribute monthly. As part of the onboarding process, you need to confirm which is your pension provider.

Can Deel choose my pension provider? Unfortunately, we cannot enroll you or advise on the selection. However, here is a helpful link with the list of companies you can contact to set up your pension.

Additional Pension Fund

Aside from the provident fund, you are entitled to receive a contribution to an additional Pension Fund, and Deel, as your employer, will contribute 2%. To obtain the benefit, you will need to upload the contract with your provider.

Do i have any benefits?

You are entitled to all mandatory benefits (health insurance, pension plan, etc.) as per local labor law of the country you are currently employed in. In addition, the company you perform work for may choose to provide additional benefits to you.

Private Health Insurance

Deel has partnered with Plum, who have years of experience providing insurance to the world's largest organizations and employers. Deel Health allows you to give your employees a personalized, global private medical insurance plan with some of the best coverage in the world.

Plum provides coverage for yourself and your dependents, including your partner and up to two (2) children and (2) parents.

If the Company that you perform work for has opted to include private health insurance, you will receive a welcome email from Plum that includes a registration link.

Employees are covered from their start date, however they will not receive an enrolment email until approximately 15 days after their start date.

For example: if you are hired on February 7th, and your details are submitted to Plum by February 10th, your coverage will begin on March 1st. If your details are submitted to Plum on February 11th, your coverage will begin on April 1st.

Cost

There is no cost to you for this coverage. If the company you perform work for has chosen to offer private health insurance all premiums will be paid by that company.

Do I have any benefits?

Of course, you do! You are entitled to all statutory benefits as required by the local labor law. Additionally, you will receive private health insurance. You can check on your welcome email where you will find more details about the providers and how you will be covered.

If the enrollment email was never received or went to your spam inbox please contact employee.experience@letsdeel.com

Public Health Insurance

You are entitled to public health insurance which is under the Federal Solidarity Fund.

Unemployment Insurance

Deel will contribute to your unemployment insurance. If you will be unemployed, you will be able to receive an income, professional orientation, training and retraining. You are entitled to cash benefits if at the time of termination or employment, you have at least eight months of uninterrupted work or eight months with interruptions in the last 18 months.

Public Pension

Full-time employees are entitled to pension insurance. Pensions are regulated via governments schemes and Deel will pay monthly contributions together with your salary. The percentage of the pension contribution is prescribed by law.

Private Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

Do I have any benefits?

Private Health Insurance

Additionally, the employer may have opted to provide you with a premium private healthcare plan which includes medical, dental and vision coverage. Deel has partnered with Interesse, part of the MetLife global network of healthcare providers, to do so.

The employer might also choose to cover dependents if they wish to do so.

Enrollment

If the Client has opted to provide you with private health insurance, Interesse will reach out to you directly with a link to their portal where you will complete enrollment.

You should receive a welcome email 5 days after enrollment information has been received. Once you’re enrolled, you will have access to Amil's app to check coverage, process claims or schedule medical appointments. You will be covered from your start date with the employer.

Do I have any benefits?

Private Health Insurance

Additionally, Deel has partnered with Amil to offer a private health insurance option for employees in Brazil. In addition to the employee, the employer may also choose to cover the dependents if they wish too.

Amil offers three plans which your employer can choose from. You can find detailed descriptions of each and check your coverage based on the plan selected by your employer here. If the employer chooses to provide you with private health insurance, Amil dental will be automatically included.

Enrolment

In case that your employer has decided to provide you with the benefit, you will receive an email with an enrolment form to a Amil health plan that your employer is providing before your start date. Fill in the form and upload it to the Deel portal.

If the enrolment email was never received, or went to your spam inbox please contact employee.experience@letsdeel.com.

After we receive the form, we will enroll you in the selected health plan. You will be covered after your enrollment is complete. This typically takes 2 business days after all the documents have been signed and received. You will receive a digital health insurance card immediately once the enrolment process is complete.

Once you’re enrolled, you will have access to Amil's app to check coverage, process claims or schedule medical appointments.

If you’d like to opt-out from the health insurance please contact employee.experience@letsdeel.com

Do I have any benefits?

Private Health Insurance

Additionally, the employer may have opted to provide you with Deel healthcare coverage. We have partnered with Alan, which offers a wide network of doctors through an easy to use, high touch platform.

Please note that the Client won’t be able to cover the cost of dependents that the employee may choose to enroll. If the employee chooses to enroll dependents, they will pay 40 euros per month for their coverage, out of pocket.

Enrollment

If the Client has opted to provide you with private health insurance, you will receive an invite for Alan and complete your enrollment on their portal. You will receive your digital card immediately after enrollment, and the coverage is effective with the day of your start date.

You can refrain from enrolling if you wish to, but keep in mind that if the employer is choosing to offer this, you will have complete coverage with Alan!

You are entitled to all mandatory benefits (health insurance, pension plan etc.) as per local labor law of Ukraine:

Social Security - your social security will cover maternity, paternity leave and sick leave. Public health is also covered with Social Security. Your public healthcare includes preventative, general, specialist and dental care as well as hospitalisation. Laboratory services and ambulance transportation is also included. You can read more about the benefits here.
Pension Fund - this benefit is part of Social Security. You are eligible for pension fund when you reach retirement age, or if you have a disability. Both you and your employer (Deel) contribute to pension fund.

Health Insurance

Enrolment

Once your Employment Agreement has been signed, and countersigned, you will receive an email from Unisure to start your healthcare enrolment within 24 hours.
The enrolment process is currently email and PDF form-based, Unisure is developing connectivity with Deel so we can provide an on-platform healthcare experience which will improve the enrolment process.
You must complete your enrolment within 15 days of your start date, and your healthcare plan will be effective from your start date.
You can choose to add on qualifying dependents or a spouse, and to upgrade the plan by communicating directly with Unisure. Any additional cost that your Client is not covering will be paid by you, through deductions from your net pay in your pay-check.
Please note that the plan is denominated in US Dollars (USD), so the amount deducted from your pay-check with change in line with the USD exchange rate.
If you want to enrol in the plan independently, or if you have any questions regarding the plan and/or enrolment, please reach out to Unisure at info.umatter@unisuregroup.com and their team will be happy to help.

Post Enrolment

Guardrisk Insurance Company is the insurance carrier, and Axa is the healthcare network.
You can expect to receive your Policy/Plan Number and Certificate/ID number from Unisure via a welcome email as soon as enrolment is complete. Once an enrolment is complete, Unisure handles all registrations with Guardrisk Insurance Company and Axa.
Unisure and Guardrisk Insurance Company does not send out hard copy healthcare cards as they have moved to a paperless model. The electronic card is sent to you in the welcome email once enrolment is complete.
If you want to change their package after making enrolment selections, you may only upgrade the package, unless you have a Qualifying Life Event. Qualifying Life Events are defined in the underwriting guide which will be shared with you at enrolment
Please email info.umatter@unisuregroup.com to obtain your local list of healthcare providers, Unisure is developing connectivity with Deel so we can provide an on-platform lookup experience which will improve the process.
There are two methods of making a claim
- Direct settlement (in-patient claims): i.e. provider directly settles the payment with Unisure. This works when you present your electronic membership card to the health care service provider, your membership is validated and the service provider submits the claim directly to Unisure. Alternatively, contact Unisure directly using the emergency number printed on your electronic membership card (+44 203 885 3921).
- Pay and Claim (out-patient claims): i.e. you pay for the treatment upfront and submit a claim form and submit the support documentation (proof of payment, invoices, receipts etc) to Unisure and will get reimbursed within 5 business days. To start the reimbursement process, please email claims.umatter@unisuregroup.com, reimbursements will be processed within 5 working days.

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