Alan introduces Alan Blue, a high-end medical health insurance product – TechCrunch
French startup Alan has been principally centered on its predominant medical health insurance product — a typical bundle for corporations of all configurations and dimensions. The corporate is launching a second providing on this market with Alan Blue.
Firms can now select between two ranges of insurance coverage — Alan Inexperienced and Alan Blue. Alan Inexperienced is the present medical health insurance product with a brand new identify. It nonetheless prices the identical and presents the identical stage of protection. Alan Blue is a higher-end product with higher protection for corporations who wish to retain expertise utilizing higher advantages.
French staff robotically get primary protection from the nationwide healthcare system. However corporations additionally want to offer a medical health insurance from a non-public firm to pay for a part of the well being bills. It’s a hybrid system with a powerful authorized framework.
That is the place Alan comes alongside as your employer indicators a cope with an insurance coverage firm to cowl all their staff. Normally, insurance coverage corporations present a number of choices. However Alan has traditionally centered on a single plan.
With Alan Inexperienced, you get good protection beginning at $59 (€50) per thirty days per worker if you happen to’re below 36 years outdated. It will get costlier if you happen to’re over 36, after which over 45, after which over 56 years outdated. Plans for workers over 56 value $100 per thirty days (€85).
Firms should pay not less than 50 p.c of these plans. The remaining is deducted out of your pay. Some corporations additionally select to pay 100 p.c of everybody’s medical health insurance to point out that they actually care about their staff.
Staff also can select to cowl their partner and youngsters with Alan. Plans for a second grownup value the identical as plans for workers. And you may cowl all of your children for a $47 flat month-to-month price (€40).
Whilst you received’t pay something if you happen to see a standard medial practitioner, Alan Inexperienced couldn’t essentially cowl an costly pair of glasses or in depth dental work.
Alan Blue is a second possibility for corporations in search of a premium medical health insurance product. Firms now should determine between the 2 plans for all the workers. You may’t let staff determine between one plan or the opposite.
Alan Blue begins at $82 per thirty days (€70) for younger staff and in addition will get costlier relying on the age of the worker. Whereas there’s solely a €20 distinction between the 2 choices for workers below 36 years outdated, the worth distinction is greater the older you get. Equally, you may cowl all of your children for a barely costlier $64 flat month-to-month price (€55).
For corporations that select to totally pay for medical health insurance, it relies upon if you happen to’re prepared to spend extra to offer higher insurance coverage. However some corporations solely pay a part of the medical health insurance bundle. Staff will find yourself paying extra if their corporations change from Alan Inexperienced to Alan Blue.
“Overall, companies that are growing rapidly tend to invest a lot for their employees and switch to Alan Blue,” co-founder and CEO Jean-Charles Samuelian informed me. “We already noticed that with companies in our existing clients. Some companies are also switching to Alan because they wanted something very high end before switching.”
Alan nonetheless plans to focus on small corporations. The startup thinks that small corporations are underserved by huge insurance coverage corporations and have a tendency to pay extra for medical health insurance.
Alan Inexperienced is just not going away anytime quickly. Samuelian thinks you may mix Alan Inexperienced with Alan Map to seek out the proper physician round you and get absolutely reimbursed.
Alan Blue is already out there to chose Alan clients. All corporations will have the ability to enroll in September. You may already view all pricing and insurance coverage particulars on Alan’s web site.