How to use this page:

• Candidates: Use the "Benefits at a Glance" table for a quick overview. Contact your People Connect Specialist or Recruiter for more.
• Camundi: Use the table or jump to your "Country Details" section for specifics and enrollment info.
• Talent Acquisition: If a candidate's country isn't listed, please tag Wesley Hattingh in #people-team-confidential.

If you have any questions related to using/accessing your benefits please consider the support mechanisms below:

• Employees:
  • Self-serve by referring to the resources described here- "Where Can I see my benefits?"
  • Reach out to a human at Remote- they are your first line of support and can be emailed using help@remote.com, or by using the live chat feature in the Remote app (IOS | Android)
  • The TR team is always there for extra support, because your experience is important to us! ; If the support team is unable to resolve your query satisfactorily, or if there is a delay, please message in #ask-people-team in Slack and tag Wesley Hattingh for escalation.
• Candidates:
  • Please reach out to your People Operations or your Talent Acquisition Partner for more information

Note: Talent Acquisition: If a country is not listed here, please tag Wesley Hattingh in #people-team-confidential to review, providing a summary of where the candidate is at in the hiring process.

How to Use Your Allianz Benefits

1. Enrollment:
   • You'll receive an invitation email from ThanksBen (hello@thanksben.com)
   • Create your account at remote-global.thanksben.com
   • Review and select your benefits in the "Benefits" section
2. Adding Dependents:
   • Log into your ThanksBen account
   • Go to the Allianz benefit tile in the "Benefits" tab
   • Scroll to "Cover Your Family" section
   • Add partner and/or children's information
   • Select number of family members to include
   • Review additional cost and click "Save & Exit"
   • You have 30 days from your start date to add dependents
3. Opting Out:
   • You can opt out through the ThanksBen platform
   • Click the "Opt Out" button on the Allianz benefit tile
   • Note: If you opt out, you can only opt back in at the next renewal in May
4. Viewing Your Coverage:
   • Log into your ThanksBen account
   • Go to the "Benefits" tab for policy documentation and information
5. Using Your Insurance:
   • After enrollment, you'll receive a welcome email from Allianz with your policy number
   • Use this number to log into the Allianz platform or MyHealth app
   • You can claim treatments retroactively to your start date

Note: While Allianz enrollment confirmation may take 4-8 weeks, your coverage is effective from your start date.

Australia (AU)

• Statutory Snapshot:
  • Superannuation: 11.5% (rising to 12% by July 2025) Employer contribution.
  • Workers Comp: Varies (VIC: 3.04%, NSW: 0.7%, NT: 1.27% ).
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards) + optional BUPA.
  • Life: $100k Allianz (See Global Standards).
• Full Details: [https://remote.com/benefits-guide/australia]

Albania

• Statutory Snapshot: (refer to Remote guide).
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Albania Benefits Guide.

Austria (AT)

• Statutory Snapshot:
  • Pension: 12.55% Employer contribution.
  • Health Insurance: 3.78% Employer contribution.
  • Accident Insurance: 1.10% Employer contribution.
  • Housing Subsidy: 0.5% Employer contribution.
  • Employee Provision Fund: 1.53% Employer contribution.
  • Family Burden Equalization Fund: 4.1% Employer contribution.
  • Unemployment Insurance: 2.95% Employer contribution.
  • Insolvency Insurance: 0.1% Employer contribution.
  • 13th & 14th Month Salaries (paid monthly).
  • Note: 38.5 + 1.5 'Overtime' logging required in Remote due to CBA laws.
    • Due to recent changes outlined in the Austria CBA employment laws we require Camundi based in Austria to add their working hours to Remote up to 38.5 with the remaining 1.5 hours added as ‘Overtime'.

    • You will need to add 1.5 hours of overtime into the remote.com platform each week. To do so follow this guide from remote.com. Reach out to people-operations@camunda.com if you have further questions

• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
  • WFH Allowance: EUR 25 net/month (Requires teleworking agreement).
    • Flexible Use: Helps cover your essential remote work expenses—from high-speed internet to digital productivity tools
    • Automatic Payment: No applications or expense reports needed once you're enrolled
    • Getting Started: You'll receive a simple teleworking agreement (post onboarding or if you are an existing employee prior to Jun 25, a new agreement) to sign that formalizes your remote work arrangement and unlocks this monthly benefit. The agreement covers workspace safety guidelines and confirms your primary work location.
• Full Details: Remote's Austria Benefits Guide.

Belgium (BE)

• Statutory Snapshot:
  • Yearly Premium/Bonus: €323.69.
  • Accident Insurance: 0.3% Employer contribution.
  • Eco-vouchers: €250.
  • Health Insurance: 3.80% Employer contribution.
  • Unemployment Insurance: 1.46% Employer contribution.
  • 13th Month Salary (paid monthly).
  • Work from Home Allowance: €40 per month.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Belgium Benefits Guide.

Brazil (BR)

• Statutory Snapshot:
  • Meal Vouchers: 660 BRL/month via Flash
  • Mandatory Health Check: 240 BRL.
  • National institute of social security (INSS): 20% Employer contribution.
  • Pension FGTS: 8% Employer contribution.
  • Work Accident Insurance (RAT): 3% Employer contribution.
  • Education contribution: 5.8% Employer contribution.
  • 13th Month Salary (paid monthly).
  • Life Insurance: 186.60 BRL/year.
  • Dental Insurance: 27 BRL/month.
  • Grocery Voucher: 148.94 BRL.
• Supplemental Highlights:
  • Health: SulAmérica Premium Tier.
  • Life Insurance- 12 x salary
    • Provides coverage equal to 12 times the employee's salary in the event of death, special compensation for accidents, permanent total or partial disability due to an accident, and family funeral assistance up to BRL 5,000.
• Full Details: Remote's Brazil Benefits Guide.

Canada (CA)

• Statutory Snapshot:
  • Pension (CPP): 5.95% Employer contribution.
  • Employment Insurance: 2.324% Employer contribution.
  • Workers Compensation: 1.42% Employer contribution.
• Supplemental Highlights:
  • Health/Vision/Dental: Canada Life Standard Plan.
  • Life/AD&D: 1x annual earnings (max $250k); Dependent Life: $5k spouse / $2.5k child.
  • Disability: STD (66.7%, max $900/wk) & LTD (66.7%/50%, max $5k/mo).
  • Retirement (RRSP): 3% Employer Match (3% Employee voluntary).
  • How: Use My Canada Life at Work. RRSP via Groupnet Canada life portal.
• Full Details: Remote's Canada Benefits Guide.

  • Expand
    title Administrative Benefits Details:
    Administrative Benefits Details: All Health (Medical, Vision, Dental) coverages and enrollments can be seen within the Canada Life platform. Dependents can also be added via this platform. RRSP contributions are managed through the Groupnet Canada life portal. Employees will be able to set a deduction per payroll or per month and can be amended at any time. These credentials are provided to employees at the time of onboarding via Remote. i.e., those who are now eligible for the RRSP contribution who may not have had this product prior to 2024, please follow the enrolment details sent out by remote.  Step 1 - Enrolling: Enrolling is the first step in accessing your retirement benefits To enroll, go to mycanadalifeatwork.com You can access the enrollment portal with the following credentials: Access ID: 2012179 Password: WGzb27vf Step 2 - Registering: You will be able to register after you finish enrolling You can register online atwww.my-canadatalk.com/sign-in You will need your policy number (75452) and certificate. However, note that post enrolment, you may be required to contact Canada Life and ask that they merge your existing account (health insurance) with the new account for RRSP. You can contact them on 1-800-465-0517

Croatia (HR)

• • Statutory Snapshot:
    • Health Insurance: 16.5% Employer (over 30).
  • Supplemental Highlights:
    • Health: Allianz Premium (See Global Standards).
    • Life: $100k USD Allianz (See Global Standards).
  • Full Details: Remote's Croatia Benefits Guide.

Cyprus (CY)

• Statutory Snapshot:
  • General Health System (GHS): 2.90% Employer.
  • Social Insurance Fund: 8.8% Employer.
  • Social Cohesion Fund: 2% Employer.
  • Redundancy Fund: 1.2% Employer.
  • Training & Development Fund: 0.5% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Cyprus Benefits Guide

Czech Republic (CZ)

• • Statutory Snapshot:
    • Pension: 21.5% Employer contribution.
    • Health Insurance: 9% Employer.
    • Disability Insurance: 2.1% Employer.
    • Health Checks: 1,645 CZK.
    • Work from Home Allowance: 3,300 CZK.
    • Work Accident Insurance: 0.56%.
    • Unemployment Insurance: 1.2% Employer.
  • Supplemental Highlights:
    • Health: Allianz Premium (See Global Standards).
    • Life: $100k USD Allianz (See Global Standards).
  • Full Details: Remote's Czech Republic Benefits Guide.

Denmark (DK)

• Statutory Snapshot:
  • Holiday Bonus: 1% annual salary (May).
  • Great Prayer Day Payout: 0.45% annual salary.
  • Various Funds: ATP, AUB, FerieKonto, Barselsfond, Arbejdsskadeforsikring, 
  • Finansieringsbidrag
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
  • Private Pension: 8% Camunda / 4% Employee (min) via Söderberg & Partners.
• Full Details: Remote's Denmark Benefits Guide.

Egypt (EG)

• Statutory Snapshot:
  • Accident insurance: 1.50% Employer.
  • Health insurance: 3.25% Employer.
  • Loss of income Insurance: 1% Employer.
  • Old age, disability & life insurance: 12% Employer.
  • Unemployment Insurance: 1% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Egypt Benefits Guide

Estonia (EE)

• Statutory Snapshot:
  • Health Insurance: 13% Employer.
  • Social Security (Incl. Pension): 20% Employer.
  • Unemployment Insurance Fund: 0.8% Employer.
  • Mandatory Health Check: EUR 7.92.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
• Full Details: Remote's Estonia Benefits Guide.

France (FR)

• Statutory Snapshot:
  • Mandatory Occupational Health Cost: €170.
  • Accident Insurance: 0.77% Employer.
  • Health Benefits (parental, disability, life): 13% Employer.
  • Trade Union/APEC/Housing Contribution: 0.02%, 0.036%, 10% Employer.
  • Pensions (Tiered): 8.55%/2.02% & 6.22%/14.78% Employer.
  • WFH/Hardship Allowance: €25 + €25 / month.
  • Family Benefits: 5.25% Employer.
  • Complementary Incapacity/Death Insurance (Tiered): 1.28%/1% Employer.
• Supplemental Highlights:
  • Health: Alan (50% Camunda / 50% Employee +€37 each).
  • Phone Allowance: €75 (customer-facing roles).
  • Incapacity Allowance: €50.
• Full Details: Remote's France Benefits Guide.

Finland (FI)

• Statutory Snapshot:
  • Annual Holiday Pay/Bonus: 5% annual wages (April).
  • Group Life Insurance: 0.06% Employer.
  • Health Insurance: 1.16% Employer.
  • OHS Occupational Health & Safety: €60/month Employer.
  • Pension Insurance: 18.70% Employer.
  • Unemployment Insurance: 2.07% Employer.
  • Workers compensation insurance: 0.07% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Finland Benefits Guide.

Greece (GR)

• Statutory Snapshot:
  • Work from Home Allowance: €28/month Employer.
  • Main Pension: 13.33% Employer.
  • Supplementary Pension: 3% Employer.
  • Healthcare: 4.55% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Greece Benefits Guide

Hungary (HU)

• Statutory Snapshot:
  • Annual Health checks: €100 Employer.
  • Social Insurance: 13% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Hungary Benefits Guide.

India (IN)

• Statutory Snapshot:
  • Employer Provident Fund: 12% Employer + 0.5% Admin.
• Supplemental Highlights:
  • Health: ICICI Lombard via Plum (Platinum Premium - covers spouse + 4 children).
  • Can be upgraded to Diamond at the cost of the Camundi
  • Meal Vouchers: 2,200 INR/month via Pazcare (Flexi Benefit).
• Full Details: Remote's India Benefits Guide.

Ireland (IE)

• Statutory Snapshot: (refer to Remote guide).
• Supplemental Highlights:
  • Health: Irish Life (Employee only; dependents at own cost; opt-out allowance €250 taxable please contact Total Rewards in slack in #ask-people-team).
  • Pension: DC Scheme via Irish Life; 5% match + 5% cash allowance = 10% total. (Moving to 10% match + 5% additional in 2025 ). Access via pensionplanetinteractive.ie.
  • Life/Income Protection: €100/month taxable allowance.
    • As Remote does not currently have a group plan for Life & Income Protection, Camunda will supplement the benefit to employees via an allowance of 100 EUR per month for employees to obtain their own coverage
• Full Details: Remote's Ireland Benefits Guide.

Italy (IT)

• Statutory Snapshot:
  • Social Security (INPS): 30.11% Employer.
  • INAIL (Injuries Insurance): 1.5% Employer.
  • TFR: 7.41% Employer.
  • Mandatory occupational safety/health cost/checks: €58.67, €91.76, TBD Employer.
  • 13th & 14th Month Salaries (paid monthly).
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
  • WFH Allowance: EUR 50 gross/month (Requires telework agreement).
    • Monthly Support: EUR 50 gross added directly to your payslip each month
    • Essential Coverage: Specifically designed to offset your electricity and internet expenses while working from home
    • Fair & Flexible: Full-time team members receive the complete allowance, with proportional amounts for part-time colleagues
    • Automatic Payment: Seamless monthly addition to your regular compensation
    • Getting Started: To activate this benefit, you'll need a signed telework agreement that formalizes your remote work arrangement. If you haven't signed one previously, you'll receive a prompt to complete this simple step.
• Full Details: Remote's Italy Benefits Guide.

Malta (MT)

• Statutory Snapshot:
  • Maternity/adoption leave trust claim: 0.3% Employer.
  • Social Security Contribution: 10% Employer.
  • Mandatory Government Bonus: 3x per year.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Malta Benefits Guide.

Netherlands (NL)

• Statutory Snapshot:
  • Health Insurance: 6.57% Employer.
  • Holiday Bonus: 8% annual salary on top of base pay (paid monthly).
    • In the Netherlands, holiday pay ("vakantiegeld") is a statutory benefit, meaning employers are legally required to provide it. This typically amounts to 8% of an employee's gross annual salary and is paid in addition to their regular base pay. For Camunda employees managed through Remote.com, this holiday pay is incorporated directly into their monthly paychecks, rather than being paid as a single annual lump sum which is also a common practice in the Netherlands.
  • Disability Insurance: 7.54% Employer.
  • Long Term Sickness: €29/month Employer.
  • Work Resumption/Childcare/Unemployment: 0.75%, 0.50%, 2.64% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards - Camunda pays, Employee pays tax; dependents at own cost).
    • You must enroll in the international plan to be eligible for the Local plan during annual renewal. 
  • Pension: Occupational Pension Plan (Auto-enrolled); 15.2% Employer / 4.8% Employee (Calculated on base minus franchise).
  • 30% Ruling: Graduated scheme for new applicants.
    • A graduated scheme will replace the current 5-year 30% ruling. New applicants will get a tax-free allowance of 30% of their salary for the first 20 months, 20% for the next 20 months, and 10% for the last 20 months.
    • A transitional arrangement will be available for employees with a 30% ruling in the December 2023 payroll, allowing them to continue with the existing scheme, without the new modifications.
    • All new Camundi will receive the graduated scheme of 30% of their salary for the first 20 months, 20% for the next 20 months, and 10% for the last 20 months.
• Full Details: Remote's Netherlands Benefits Guide

New Zealand (NZ)

• Statutory Snapshot:
  • Accident Compensation Cover: 0.08% + 0.19% Employer.
  • KiwiSaver Pension Fund: 3% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's New Zealand Benefits Guide

Nigeria (NG)

• Statutory Snapshot:
  • Accident Insurance (NSITF): 1%.
  • Health insurance (FSSHIP): 10%.
  • Industrial training levy (ITF): 1%.
  • Pension scheme (CPS): 10%.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
• Full Details: Remote's Nigeria Benefits Guide

Philippines (PH)

• Statutory Snapshot:
  • Employee's Compensation Program: 30 PHP.
  • WISP: 950 PHP.
  • Health Insurance: 2.5%.
  • Home Development Mutual Fund: 2% Emp / 2% Ee.
  • Laundry Allowance: 300 PHP/month.
  • Meal Allowance: 2,948 PHP/month.
  • Rice Subsidy: 2,000 PHP/month.
  • Social Security System: 10%.
  • 13th Month Salary (paid monthly).
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Philippines Benefits Guide

Poland (PL)

• Statutory Snapshot:
  • Work From Home Allowance: PLN 100/month.
  • PPK Pension: 1.5% Employer.
  • Disability/Pension/Fund/Accident/Labour: 6.5%, 9.76%, 0.1%, 1.67%, 2.45% Employer.
  • Mandatory Health check: 219 PLN/year.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Poland Benefits Guide.

Portugal (PT)

• Statutory Snapshot:
  • Work Accidents Insurance: 0.36% Employer.
  • Mandatory Health check: €50/year.
  • Work from Home Allowance: €50/month (€22 tax-exempt).
  • Social Security: 23.75% Employer.
• Supplemental Highlights:
  • Health: AdvanceCare/Tranquilidade via Coverflex (Premium Plan).
  • Life: $100k USD Allianz (See Global Standards).
  • Meal Card subsidy: 7.63 euros/working day.
• Full Details: Remote's Portugal Benefits Guide

Romania (RO)

• Statutory Snapshot:
  • Pension: 25% Employee contribution.
  • Health Insurance: 10% Employee funded.
  • Health check: 84 RON/year Employer.
  • Various employed Funds, such as Medical Leave Indemnities, Work accident or professional disease indemnities,  Work Insurance, Romanian Guarantee Fund, Unemployment
  • Work Medical Certificate: 50 RON Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Romania Benefits Guide.

Serbia (RS)

• Statutory Snapshot:
  • Annual Leave allowance: 1000 RSD/month.
  • Health Insurance: 8.33% Employer.
  • Pensions & Disability: 8.33% Employer.
  • Meal Allowance: 1000 RSD/month.
  • Work from home allowance: 5,800 RSD (net)/month.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Serbia Benefits Guide

Spain (ES)

• Statutory Snapshot:
  • Vocational Education & Training: 0.60% Employer.
  • Occupational Health Cost: 69 EUR Employer.
  • Occupational accident & Professional Disease: 1.65% Employer.
  • Work-from-home allowance: €17/month.
  • Wage Guarantee Fund: 0.20% Employer.
  • Unemployment: 5.50% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Spain Benefits Guide.

South Africa (ZA)

• Statutory Snapshot:
  
  • Life Insurance: 1.02% Employer.
  • Income Continuation: 0.55% Employer.
  • Serious Illness Coverage: 0.41% Employer.
  • Family Funeral Coverage: R32.10 Employer.
  • Unemployment/Workers Comp: 1% & 0.19% Employer.
• Supplemental Highlights:
  • Health: Discovery (Priority Plan, Employee 100% covered).
    • Dependent Allowance: R4,571 (adult) / R2,318 (child) monthly.
  • Discovery Provident Fund (Pension): 5% Employee / 5% Employer Match.
• Full Details: Remote's South Africa Benefits Guide

Sweden (SE)

• Statutory Snapshot:
  • Accident insurance (Arbetsskadeavgift): 39.24 SEK.
  • General payroll tax/Health/Parental/Retirement/Survivors'/Unemployment: 11.62%, 3.55%, 2.6%, 10.21%, 0.6%, 2.64% Employer.
  • Holiday Allowance: 0.43%/month.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Occupational Life Insurance: Bliwa (SEK 352,800 base, 100% Camunda paid).
    • Basic amount is SEK 352,800 (6x Price Base Amount -PBA) for death before age 55 or if there are children under 17.
    • Reduces to 1 x PBA between ages 64 and 65.
    • Cost 100% Covered by Camunda
• Full Details: Remote's Sweden Benefits Guide.

Switzerland (CH)

• Statutory Snapshot:
  • Accident/ Life Insurance: 0.5% Employer.
  • OASI (pension): 5.3% Employer.
  • Provident Fund: 5% Employer.
  • Daily Sickness Allowance: 0.41% to 0.673% Employer.
  • Family Compensation Fund: 1.6% Employer.
  • Unemployment: 1.10% Employer.
  • Additional Pension: Age-based (7% to 18%).

    Age	% contribution of Pensionable pay
    25-34	7%
    35-44	10%
    45-54	15%
    55-65*	18%

• Supplemental Highlights:
  • Health: Full Local Plan (Premium Via Allianz). Opt-out allowance: €650 / 600 CHF.
• Full Details: Remote's Switzerland Benefits Guide.

Thailand (TH)

• Statutory Snapshot:
  • Social Security Fund (SSF): 5% Employer (max THB 750/mo).
  • Workmen's Compensation Fund: 0.2% to 1% Employer.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
• Full Details: Remote's Thailand Benefits Guide.

Turkey (TR)

• Statutory Snapshot:
  • Unemployment insurance: 2% Employer (capped).
  • Social Security Institution (SSI): 15.5% Employer (capped).
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
  • Life: $100k USD Allianz (See Global Standards).
• Full Details: Remote's Turkey Benefits Guide

United Arab Emirates (AE)

• Statutory Snapshot:
  • Pension fund "GPSSA" (UAE nationals only): 15% Camunda / 11% Employee.
• Supplemental Highlights:
  • Health: Allianz Premium (See Global Standards).
• Full Details: Remote's UAE Benefits Guide.