Do you own a small company? We reduce your costs.
We optimise employees’ compensation and reduce the company’s costs.
Benefits for employees with IRS and SS exemption
Add insurance and meal allowance: all in one
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A way to save
for small companies
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What are flexible benefits?
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Ready to offer flexibility to your employees?
A way to save
for small companies
Number of employees
Average benefits balance (yearly)
1 200€
Annual savings
19 400€
Social Security exemption (23,75%)
What is your relatonship status?
Number of children
How much allocated to Gross Salary?
1 200€
How much allocated to Coverflex Wallet?
1 200€
Your annual net gain
{[{ result.net_gain | ceil }]}€
Tax exemption for both company and employee
Replace bonus payments and allowances for a fiscally efficient option (IRS/SS exempt) for both company and employee.
More than 10 employees? Talk to us
A solution that offers tax optimisation for both the company and the employees
Annual billing
Monthly billing
Wallet
5€
per month
per employee
per employee
Free cards
6€
per month
per employee
per employee
6€ card issuing
one-time per employee
one-time per employee
No implementation fees
i
No implementation fees
Coverflex supports companies in implementing the benefits, free of charge. Plus, there are no costs when switching to our platform.
Online support PT / EN
i
Online support EN/PT
Online support via chat or email available in English and Portuguese.
100% digital experience
i
100% digital experience
One single platform - no need for phone calls or negotiations.
Automatic reporting
i
Automatic reporting
Reports available 24/7 in the platform on all transactions made.
Coverflex app
i
Coverflex app
The employee can easily manage benefits and discounts through the app, fully digitally and free of paperwork.
Coverflex VISA card
i
Coverflex VISA card
Meal allowance and exclusive benefits in one single card. It works online and offline and has the contactless option.
Exclusive discounts
i
Exclusive discounts
Exclusive and flexible benefits and discounts, and fiscally efficient choices for the whole team.
benefits included
Coverflex Childcare
i
Coverflex Childcare
The childcare voucher is intended for the payment of daycare centers or kindergartens for children under the age of seven.
know moreMeal
i
Meal
The meal balance is available to employees on the Coverflex card, and can be used anywhere that accepts VISA.
know moreRetirement & investment
i
Retirement & Investment
Coverflex offers two Real Vida Seguros’ products with different levels of investment, flexibility and return, to meet different profiles.
know moreTechnology
i
Technology
This benefit allows employees to purchase tech products intended exclusively for the performance of their work.
know moreProfessional training
i
Professional training
By using this benefit, employees can pay for courses/classes at recognised entities in the professional training field.
know moreEducation expenses
i
Education expenses
This benefit covers expenses in courses, tuition fees, school supplies, technical books and stationery.
know moreHealth & Well-being
i
Health and Well-being
This benefit covers expenses in hospitals, clinics, laboratories, pharmacies, drugstores, and in physical and mental health apps.
know morePublic transportation
i
Public transportation
Employees can purchase transport cards and submit the receipt through the app for approval.
know moreGym & Fitness
i
Gym & Fitness
As a part of this benefit, the Coverflex card balance can be used in gyms and sports clubs.
know moreSenior expenses
i
Senior expenses
This benefit covers expenses in day care centres and homes, senior residences and social support centres.
know moreHealth insurance
i
Health insurance
Companies can purchase Health Insurance for their employees digitally, through the Coverflex platform.
know moreMeal
1€
per month
per employee
per employee
Free cards
1€
per month
per employee
per employee
6€ card issuing
one-time per employee
one-time per employee
No implementation fees
i
No implementation fees
Coverflex supports companies in implementing the benefits, free of charge. Plus, there are no costs when switching to our platform.
Online support PT / EN
i
Online support EN/PT
Online support via chat or email available in English and Portuguese.
100% digital experience
i
100% digital experience
One single platform - no need for phone calls or negotiations.
Automatic reporting
i
Automatic reporting
Reports available 24/7 in the platform on all transactions made.
Coverflex app
i
Coverflex app
The employee can easily manage benefits and discounts through the app, fully digitally and free of paperwork.
Coverflex VISA card
i
Coverflex VISA card
Meal allowance and exclusive benefits in one single card. It works online and offline and has the contactless option
Exclusive discounts
i
Exclusive discounts
Exclusive and flexible benefits and discounts, and fiscally efficient choices for the whole team.
benefits included
Meal
i
Meal
The meal balance is available to employees on the Coverflex card, and can be used anywhere that accepts VISA.
know moreA solution that offers tax optimisation for both the company and the employees
Annual billing
Monthly billing
No implementation fees
i
No implementation fees
Coverflex supports companies in implementing the benefits, free of charge. Plus, there are no costs when switching to our platform.
Online support PT / EN
i
Online support EN/PT
Online support via chat or email available in English and Portuguese.
100% digital experience
i
100% digital experience
One single platform - no need for phone calls or negotiations.
Automatic reporting
i
Automatic reporting
Reports available 24/7 in the platform on all transactions made.
Coverflex app
i
Coverflex app
The employee can easily manage benefits and discounts through the app, fully digitally and free of paperwork.
Coverflex VISA card
i
Coverflex VISA card
Meal allowance and exclusive benefits in one single card. It works online and offline and has the contactless option.
Exclusive discounts
i
Exclusive discounts
Exclusive and flexible benefits and discounts, and fiscally efficient choices for the whole team.
benefits
Coverflex Meal
i
Meal
The meal balance is available to employees on the Coverflex card, and can be used anywhere that accepts VISA.
know moreCoverflex Childcare
i
Coverflex Childcare
The childcare voucher is intended for the payment of daycare centers or kindergartens for children under the age of seven.
know moreRetirement & Investment
i
Retirement & Investment
Coverflex offers two Real Vida Seguros’ products with different levels of investment, flexibility and return, to meet different profiles.
know moreTechnology
i
Technology
This benefit allows employees to purchase tech products intended exclusively for the performance of their work.
know moreProfessional training
i
Professional training
By using this benefit, employees can pay for courses/classes at recognised entities in the professional training field.
know moreEducation expenses
i
Education expenses
This benefit covers expenses in courses, tuition fees, school supplies, technical books and stationery.
know moreHealth & Well-being
i
Health and Well-being
This benefit covers expenses in hospitals, clinics, laboratories, pharmacies, drugstores, and in physical and mental health apps.
know morePublic transportation
i
Public transportation
Employees can purchase transport cards and submit the receipt through the app for approval.
know moreGym & Fitness
i
Gym & Fitness
As a part of this benefit, the Coverflex card balance can be used in gyms and sports clubs.
know moreSenior expenses
i
Senior expenses
This benefit covers expenses in day care centres and homes, senior residences and social support centres.
know moreHealth insurance
i
Health insurance
Companies can purchase Health Insurance for their employees digitally, through the Coverflex platform.
know moreCoverflex Meal
1€
0€
per month
per employee
per employee
Free cards
1€
0€
per month
per employee
per employee
6€
Free cards
one-time per employee
Wallet
5€
per month
per employee
per employee
Free cards
6€
per month
per employee
per employee
6€ card issuing
one-time per employee
one-time per employee
