An attractive salary package today consists of more than just a salary. Employees are placing increasing importance on additional benefits that contribute to their long-term financial security and well-being.
With a group insurance plan, you as an employer help build the future of your employees. This supplementary pension insurance provides employees with extra financial protection on top of the statutory pension and can also be extended with coverage for death and disability.
For companies, a group insurance plan is a powerful tool for attracting talent, motivating staff, and positioning themselves as an attractive employer. Van Dessel helps you develop a group insurance plan that aligns with your HR policy, budget, and staff structure.
A group insurance is a collective insurance policy that an employer takes out for the benefit of their employees. The insurance is part of the second pension pillar and is designed to build up an additional pension on top of the statutory pension.
A group insurance policy typically consists of three main components:
Depending on the chosen plan, the employer can provide one or more of these coverages.
The premium is usually paid entirely by the employer, although employee contributions are also possible in certain cases.
Covers the accumulation of an additional pension capital on top of the statutory pension.
Provides financial protection for surviving dependents through a death benefit.
Covers loss of income in case of long-term incapacity for work when additional guarantees are provided.
Covers an attractive extralegal benefit with which you can attract, motivate, and retain employees.
A group insurance can be set up for:
Pension contributions often vary depending on the function level within the organization. In practice, we often observe the following guideline values based on gross annual salary:
| Position category | Indicative employer contribution |
| Basic functions | 3% to 4% |
| Executive staff | 4% to 6% |
| Management and directors | 6% to 10% |
Each company determines its own pension policy within the legal framework.
The premium for a group insurance policy is determined by several factors:
Many employers determine their budget as a percentage of the employee’s gross annual salary.
Because every company has different objectives, group insurance is always tailored to the specific needs of the company.
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailor-made proposal for your business.
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