Starter

1,50€ month/user
get started

Plans built for modern teams.
Compensation, made simple.

Monthly
Yearly (save 20%)
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Starter
1,50€
0€ month/user
Virtual card free, physical card 6€
get started for free
The essentials to start offering benefits
Meal
Insurance
Discounts
Pay transparency
base
Free version included in the plan. The premium version is available as an add-on (€2/employee/month) or by upgrading to the Total plan.
Offer letter
Childcare vouchers
Savings & retirement
Health & wellbeing
Education expenses
Public transportation
Technology
Mobility
Total comp
Flexpay
Custom benefits
Budgets
One single app and card
Digital archive
AI-powered 24/7 customer support
AI compensation specialist
Data insights
Premium human support
Invoice validation
SSO (Single Sign-On)
HRIS & Payroll integrations
Premium onboarding
Pay transparency premium
Average annual savings
321€ /dipendenti
Expand for full detail
Minimum no. of employees
—
Virtual cards
Digital cards employees can use immediately for eligible benefits, with full visibility and control for admins.
Discounts
Access exclusive employee discounts and cashback offers from partner merchants.

Compensation

Meal
Tax-optimized meal benefit, compliant with local regulations.
Insurance: Health / Life / Workers comp.
Offer and manage employee insurances directly through Coverflex brokerage services.
Pay transparency
Audit, track and improve pay equity across your organisation, with AI-guided analysis and reports built for the EU Pay Transparency Directive.
beta version
Childcare vouchers
Cover nursery, daycare and pre-school expenses for children under 7 years old.
Savings & retirement
Use your benefits balance to invest in Savings and Retirement products, directly through the Coverflex app.
Health & wellbeing
Covers health and well-being expenses, such as medical appointments, psychology, or therapy.
Professional training
Allows you to pay for training, courses, and professional development investments aligned with the employee’s role.
Public transportation
Makes it easy to pay for public transport passes and fares.
Technology
Allows you to use your benefits balance on professional equipment and technology tools.
Mobility
Create mobility vouchers directly in the Coverflex app and use them as travel credits in the Bolt app.
Education expenses
Allows you to pay for education expenses, such as tuition fees and school textbooks.
Gym & fitness
Allows you to pay for gym and physical activity expenses, including fitness apps.
Senior expenses
Allows you to pay for care and support expenses for senior family members.
Parking
Allows you to pay for parking subscriptions, subject to agreement with the company.
Donations
Allows you to support social, cultural, environmental, sports, or educational causes through partner organizations.
Offer letter
Create custom offer letters in seconds, track all sent offers and their status from one place, and let candidates review, simulate and accept their full compensation package directly on the Coverflex platform. No more PDFs or spreadsheets.
Total comp
One clear, interactive view of total compensation for both companies and employees, covering every layer from base salary and benefits to equity and perks.
Flexpay
Let employees access salary they’ve already earned, without waiting for payday.
Custom benefits
Create and manage custom benefit categories tailored to your company’s needs.
Budgets
Allocate company budgets to employees for specific purposes, with clear spending limits and controls.

Features

Digital archive
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
AI compensation specialist
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
Data insights
Visual dashboards and insights on benefit usage, costs, return on investment, and trends.
Invoice validation
Coverflex validates invoices submitted by your employees to reduce manual work.
Single Sign-On (SSO)
Single sign-on for secure and simplified access using your company’s identity provider.
HRIS integration
Automatically sync employee data with your HR system to simplify onboarding and offboarding.
Payroll integration
Connect Coverflex with payroll to streamline reporting and salary processing.

Services

Digital academy webinars
Educational webinars and resources for HR and Finance teams using Coverflex at scale.
AI-powered 24/7 customer support
Always-on AI-powered support for employees and admins, available directly in the platform.
Premium human support
Priority access to human support for complex, time-sensitive, or non-standard requests.
Onboarding assistance
Guided onboarding to help you configure benefits and policies correctly, ensuring a smooth rollout for your team.

From 50+ employees

Premium onboarding
A carregar...
Dedicated customer success manager
Dedicated point of contact to support adoption, optimization, and long-term success.
Close full detail
Plus
7€ month/user
Virtual card free, physical card 6€
get started
The operating system for flexible compensation
Meal
Insurance
Discounts
Pay transparency
base
Free version included in the plan. The premium version is available as an add-on (€2/employee/month) or by upgrading to the Total plan.
Offer letter
Childcare vouchers
Savings & retirement
Health & wellbeing
Education expenses
Public transportation
Technology
Mobility
Total comp
Flexpay
Custom benefits
Budgets
One single app and card
Digital archive
AI-powered 24/7 customer support
AI compensation specialist
Data insights
Premium human support
Invoice validation
SSO (Single Sign-On)
HRIS & Payroll integrations
Premium onboarding
Pay transparency premium
Average annual savings
321€ /dipendenti
Expand for full detail
Minimum no. of employees
—
Virtual cards
Digital cards employees can use immediately for eligible benefits, with full visibility and control for admins.
Discounts
Access exclusive employee discounts and cashback offers from partner merchants.

Compensation

Meal
Tax-optimized meal benefit, compliant with local regulations.
Pay transparency
Audit, track and improve pay equity across your organisation, with AI-guided analysis and reports built for the EU Pay Transparency Directive.
Childcare vouchers
Cover nursery, daycare and pre-school expenses for children under 7 years old.
Savings & retirement
Use your benefits balance to invest in Savings and Retirement products, directly through the Coverflex app.
Health & wellbeing
Covers health and well-being expenses, such as medical appointments, psychology, or therapy.
Professional training
Allows you to pay for training, courses, and professional development investments aligned with the employee’s role.
Public transportation
Makes it easy to pay for public transport passes and fares.
Technology
Allows you to use your benefits balance on professional equipment and technology tools.
Mobility
Create mobility vouchers directly in the Coverflex app and use them as travel credits in the Bolt app.
Offer letter
Create custom offer letters in seconds, track all sent offers and their status from one place, and let candidates review, simulate and accept their full compensation package directly on the Coverflex platform. No more PDFs or spreadsheets.
Total comp
One clear, interactive view of total compensation for both companies and employees, covering every layer from base salary and benefits to equity and perks.
Flexpay
Let employees access salary they’ve already earned, without waiting for payday.
Education expenses
Allows you to pay for education expenses, such as tuition fees and school textbooks.
Gym & fitness
Allows you to pay for gym and physical activity expenses, including fitness apps.
Senior expenses
Allows you to pay for care and support expenses for senior family members.
Parking
Allows you to pay for parking subscriptions, subject to agreement with the company.
Donations
Allows you to support social, cultural, environmental, sports, or educational causes through partner organizations.
Custom benefits
Create and manage custom benefit categories tailored to your company’s needs.
Budgets
Allocate company budgets to employees for specific purposes, with clear spending limits and controls.

Features

Digital archive
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
AI compensation specialist
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
Data insights
Visual dashboards and insights on benefit usage, costs, return on investment, and trends.
Invoice validation
Coverflex validates invoices submitted by your employees to reduce manual work.
Single Sign-On (SSO)
Single sign-on for secure and simplified access using your company’s identity provider.
HRIS integration
Automatically sync employee data with your HR system to simplify onboarding and offboarding.
Payroll integration
Connect Coverflex with payroll to streamline reporting and salary processing.

Services

Digital academy webinars
Educational webinars and resources for HR and Finance teams using Coverflex at scale.
AI-powered 24/7 customer support
Always-on AI-powered support for employees and admins, available directly in the platform.
Premium human support
Priority access to human support for complex, time-sensitive, or non-standard requests.
Onboarding assistance
Guided onboarding to help you configure benefits and policies correctly, ensuring a smooth rollout for your team.

From 25+ employees

Premium onboarding
A carregar...
Dedicated customer success manager
Dedicated point of contact to support adoption, optimization, and long-term success.

From 50+ employees

Close full detail
Total
12€ month/user
Virtual card free, physical card 6€
talk to sales
Full compensation control, all in one
Meal
Insurance
Discounts
Pay transparency
premium
Offer letter
Childcare vouchers
Savings & retirement
Health & wellbeing
Education expenses
Public transportation
Technology
Mobility
Total comp
Flexpay
Custom benefits
Budgets
One single app and card
Digital archive
AI-powered 24/7 customer support
AI compensation specialist
Data insights
Premium human support
Invoice validation
SSO (Single Sign-On)
HRIS & Payroll integrations
Premium onboarding
Pay transparency premium
Average annual savings
321€ /dipendenti
Expand for full detail
Minimum no. of employees

50

Virtual cards
Digital cards employees can use immediately for eligible benefits, with full visibility and control for admins.
Discounts
Access exclusive employee discounts and cashback offers from partner merchants.

Compensation

Meal
Tax-optimized meal benefit, compliant with local regulations.
AI compensation specialist
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
Childcare vouchers
Cover nursery, daycare and pre-school expenses for children under 7 years old.
Savings & retirement
Use your benefits balance to invest in Savings and Retirement products, directly through the Coverflex app.
Health & wellbeing
Covers health and well-being expenses, such as medical appointments, psychology, or therapy.
Professional training
Allows you to pay for training, courses, and professional development investments aligned with the employee’s role.
Public transportation
Makes it easy to pay for public transport passes and fares.
Technology
Allows you to use your benefits balance on professional equipment and technology tools.
Mobility
Create mobility vouchers directly in the Coverflex app and use them as travel credits in the Bolt app.
Education expenses
Allows you to pay for education expenses, such as tuition fees and school textbooks.
Gym & fitness
Allows you to pay for gym and physical activity expenses, including fitness apps.
Senior expenses
Allows you to pay for care and support expenses for senior family members.
Parking
Allows you to pay for parking subscriptions, subject to agreement with the company.
Donations
Allows you to support social, cultural, environmental, sports, or educational causes through partner organizations.
Offer letter
Create custom offer letters in seconds, track all sent offers and their status from one place, and let candidates review, simulate and accept their full compensation package directly on the Coverflex platform. No more PDFs or spreadsheets.
Total comp
One clear, interactive view of total compensation for both companies and employees, covering every layer from base salary and benefits to equity and perks.
Flexpay
Let employees access salary they’ve already earned, without waiting for payday.
Custom benefits
Create and manage custom benefit categories tailored to your company’s needs.
Budgets
Allocate company budgets to employees for specific purposes, with clear spending limits and controls.

Features

Digital archive
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
AI compensation specialist
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
Data insights
Visual dashboards and insights on benefit usage, costs, return on investment, and trends.
Invoice validation
Coverflex validates invoices submitted by your employees to reduce manual work.
Single Sign-On (SSO)
Single sign-on for secure and simplified access using your company’s identity provider.
HRIS integration
Automatically sync employee data with your HR system to simplify onboarding and offboarding.

100 min. employees

Payroll integration
Connect Coverflex with payroll to streamline reporting and salary processing.

100 min. employees

Services

Digital academy webinars
Educational webinars and resources for HR and Finance teams using Coverflex at scale.
AI-powered 24/7 customer support
Always-on AI-powered support for employees and admins, available directly in the platform.
Premium human support
Priority access to human support for complex, time-sensitive, or non-standard requests.
Onboarding assistance
Guided onboarding to help you configure benefits and policies correctly, ensuring a smooth rollout for your team.
Premium onboarding
A carregar...
Dedicated customer success manager
Dedicated point of contact to support adoption, optimization, and long-term success.
Close full detail

Starter

get started for free

Plus

get started

Total

talk to sales
Minimum no. of employees

—

—

50

Virtual cards
Digital cards employees can use immediately for eligible benefits, with full visibility and control for admins.
Discounts
Access exclusive employee discounts and cashback offers from partner merchants.

Compensation

Meal
Tax-optimized meal benefit, compliant with local regulations.
Insurance: Health / Life / Workers comp.
Offer and manage employee insurances directly through Coverflex brokerage services.
Pay transparency
Audit, track and improve pay equity across your organisation, with AI-guided analysis and reports built for the EU Pay Transparency Directive.

base version

base version

Childcare vouchers
Cover nursery, daycare and pre-school expenses for children under 7 years old.
Savings & retirement
Use your benefits balance to invest in Savings and Retirement products, directly through the Coverflex app.
Health & wellbeing
Covers health and well-being expenses, such as medical appointments, psychology, or therapy.
Professional training
Allows you to pay for training, courses, and professional development investments aligned with the employee’s role.
Public transportation
Makes it easy to pay for public transport passes and fares.
Technology
Allows you to use your benefits balance on professional equipment and technology tools.
Mobility
Create mobility vouchers directly in the Coverflex app and use them as travel credits in the Bolt app.
Education expenses
Allows you to pay for education expenses, such as tuition fees and school textbooks.
Gym & fitness
Allows you to pay for gym and physical activity expenses, including fitness apps.
Donations
Allows you to support social, cultural, environmental, sports, or educational causes through partner organizations.
Senior expenses
Allows you to pay for care and support expenses for senior family members.
Parking
Allows you to pay for parking subscriptions, subject to agreement with the company.
Offer letter
Create custom offer letters in seconds, track all sent offers and their status from one place, and let candidates review, simulate and accept their full compensation package directly on the Coverflex platform. No more PDFs or spreadsheets.
Total comp
One clear, interactive view of total compensation for both companies and employees, covering every layer from base salary and benefits to equity and perks.
Flexpay
Let employees access salary they’ve already earned, without waiting for payday.
Budgets
Allocate company budgets to employees for specific purposes, with clear spending limits and controls.
Custom benefits
Create and manage custom benefit categories tailored to your company’s needs.

Features

Digital archive
Secure digital archive for documents and invoices, with access and controls that scale with your company’s growth.
AI compensation specialist
AI-powered assistant that helps admins understand, optimize, and manage compensation decisions.
Data insights
Visual dashboards and insights on benefit usage, costs, return on investment, and trends.
Invoice validation
Coverflex validates invoices submitted by your employees to reduce manual work.
Single Sign-On (SSO)
Single sign-on for secure and simplified access using your company’s identity provider.
Payroll integration
Connect Coverflex with payroll to streamline reporting and salary processing.

100 min. employees

HRIS integration
Automatically sync employee data with your HR system to simplify onboarding and offboarding.

100 min. employees

Services

AI-powered 24/7 customer support
Always-on AI-powered support for employees and admins, available directly in the platform.
Digital academy webinars
Educational webinars and resources for HR and Finance teams using Coverflex at scale.
Premium human support
Priority access to human support for complex, time-sensitive, or non-standard requests.
Onboarding assistance
Guided onboarding to help you configure benefits and policies correctly, ensuring a smooth rollout for your team.

From 50+ employees

From 25+ employees

Premium onboarding
Dedicated customer success manager
Dedicated point of contact to support adoption, optimization, and long-term success.

50 min. employees

Frequently asked questions

What are the price differences between the digital and physical Coverflex cards?
My company has up to 25 employees. How much do Coverflex plans cost?
Are there any additional costs associated with the Coverflex digital and physical cards?
Are childcare vouchers included in Coverflex plans?
see more questions

Sustainable and reliable

We are a certified B Corp
We plant a tree for every new customer
We offer a sustainable solution for local companies
Universal Cover, SA
PT515428515
Portugal
Licences:
Childcare voucher issuer
‍23.09.2020

Universal Cover - Mediação de Seguros, Unipessoal Lda.
ASF Registration No.: 420560995
Branches: Life and Non-Life
Category: Insurance Intermediary
The insurance intermediary does not assume coverage of risks, which is the exclusive responsibility of the contracted insurance company(ies).
The insurance intermediary is authorized to enter into insurance contracts on behalf of the insurance company(ies) and to receive premiums for delivery to the insurance company(ies).
Consultation of the legally required pre-contractual and contractual information is not waived.‍
[email protected]
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1 This amount is an estimate, based on data from platform usage, and not a guarantee. The actual savings per employee that the use of the Coverflex solution allows the company depends on the monthly amount of Coverflex benefits that the company decides to allocate to each employee.

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