Health Insurance for Companies
Invest in Well-being and Pay Less Corporate Income Tax!
Discover how health insurance for your employees is a strategic investment that improves talent retention and simultaneously provides a powerful tax incentive for your company.
The Tax Benefit
Portuguese legislation (specifically, Article 43 of the Corporate Income Tax Code - CIRC) allows group health insurance expenses to be considered a tax-deductible cost for your company.
Your company can deduct these expenses from income tax. The accepted amount can reach up to 15% of the company's Annual Payroll (total personnel expenses), provided the benefit is granted to the majority of permanent employees.
In practical terms, every euro invested in your team's well-being is a euro less on your final Corporate Income Tax (IRPJ) bill.
Other Advantages for the Company
In addition to reducing the corporate income tax base by taking advantage of the benefit under Article 43, you can also enjoy the following advantages:
Talent Retention: Health insurance is the most valued benefit, increasing employee satisfaction and loyalty.
Reduced Absenteeism: Quick access to consultations and treatments minimizes prolonged absences due to illness.
Competitiveness in Recruitment: Differentiate yourself from the competition and attract the best professionals in the market.
Ready to Turn Cost into Advantage?
We have the best insurance companies at your disposal!
The complexity of tax legislation requires a detailed analysis. Contact me today for a free simulation and to ensure your plan meets all the requirements of Article 43 of the CIRC (Corporate Income Tax Code).
Kane Tuma
Insurance Consultant (Guimarães)
Agency DS Seguros Lisboa Anjos
Rua do Zaire, nº 14 C 1170-398, Lisboa
DS SEGUROS – GRUPO DS, a nationally registered trademark under number 650438, is owned by DECISÕES E SOLUÇÕES – INTERMEDIÁRIOS DE CRÉDITO, LDA, registered with the Insurance and Pension Funds Supervisory Authority as an Insurance Agent under number 409311648/3, authorized for Life and Non-Life branches, verifiable at https://www.asf.com.pt. It is registered with the Bank of Portugal as a Tied Credit Intermediary under number 0000926, authorized to provide consulting services and authorized to provide credit intermediation services (Presentation or proposal of credit agreements to consumers; Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work relating to credit agreements that have not been presented or proposed by them).
Insurance with the best price and conditions.
Life Insurance, Home Loans and Pension Plans
Health Insurance and Business Health Insurance
Automobile and Fleet Insurance
Personal and Work Accident Insurance
Home and Commercial Multi-Risk Insurance
Credit agreements covered: Home Loans and Consumer Credit. Lenders or groups of lenders with whom the agreement is binding: BANCO SANTANDER TOTTA, S.A., BANCO BPI S.A., NOVO BANCO, S.A., BANKINTER, S.A. – SUCURSAL EM PORTUGAL, UNICRE – INSTITUIÇÃO FINANCEIRA DE CRÉDITO, S.A., MONTEPIO CRÉDITO – INSTITUIÇÃO FINANCEIRA DE CRÉDITO, S.A., BNP PARIBAS PERSONAL FINANCE, S.A. – SUCURSAL EM PORTUGAL, information verifiable at https://www.bportugal.pt/intermediariocreditofar/decisoes-e-solucoes-intermediarios-de-credito-lda. The insurance broker does not assume risk coverage, does not have the power to enter into contracts on behalf of insurance companies, and is not authorized to receive premiums to be delivered to insurance companies. This does not replace the legally required pre-contractual and contractual information.
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