Overview

The following Benefits are available to all employees in the UK in addition to our Global Benefits & Perks:  

• Medical
• Life Insurance
• Income Protection
• Pension 

Please review the related section for more information around each benefit. 

Medical

Camunda offers Private Medical Insurance (PMI) via AXA. Cover is provided for you and your dependents at no cost.

The cover is treated as a benefit in kind for tax purposes. Camunda pays the premiums on your behalf, but you will be taxed on the cost of these at your highest marginal rate of tax.

Please note that cover is on a ‘Moratorium’ basis and does not cover pre-existing conditions.

For more

detailed information on dental and optical benefits included in your health plan, review this document: Dentist and Optician option

Onboarding

To enroll in medical cover, you will receive an esign request in bob with your PMI election form on your first day of employment. Once complete, the People Connect team will coordinate with BAS to update AXA. The PMI form needs to be completed within your first 30 days of employment in order to be backdated to your start date. 

Once enrolled, you can expect to receive an email from AXA within 48 hours containing your new joiner pack. At that time, you will also have access to the AXA Health online member portal, where you can access scheme documents and review claims. 

Changes

Changes to your enrollment can only be made at your time of hire, during annual renewal or if you experience a qualifying life event. 

What Changes Can I make? 

• Add/remove dependents 
• Enroll in coverage 
• Waive coverage 

Qualifying Life Events

Qualifying Life Events need to be submitted to the People Ops team within 30 days of the event. 

The list of Qualifying Life Events can be found below. 

• Loss of other Coverage 
• Turning 26 and losing coverage through a parent’s plan
• Marriage 
• Divorce 
• Birth or Adoption of a Child 
• Death in the Family

Offboarding 

Once your termination has been submitted into bob, the People Ops team will inform BAS via email. BAS will then remove your coverage effective on your termination date. 

You will also be given the opportunity to move your plan to an individual basis. AXA will reach out to you directly with instructions on setting this up

Key Coverages for Medical Plan: (full plan summary can be found in BHS Handbook) 

• No Excess (i.e., you don't pay towards any claims)
• Unlimited in-patient cover
• Unlimited out-patient cover
• Comprehensive cancer cover
• Dental cover of 80% up to 400 GBP per year for routine dental treatment
• Optical cover of 80% up to the cost for prescription glasses and contact lenses up to 200 GBP per year plus 25 GBP for an eye test
• Unlimited therapy cover (10 sessions and then if referred by GP, unlimited)
• Doctor@Hand: DoctorHand Flyer

Please note that cover is on a ‘Moratorium’ basis and does not cover pre-existing conditions.

Enrolling in Medical Cover

If you would like to enroll in medical cover or change your election, please fill out and return the Camunda PMI Election form to People Operations. We will coordinate with Chase de Vere to update AXA. 

Medical Claims

For any questions relating to Medical Claims, please reach out to People Operations or review the following document: How to Claim Expenses Guide. 

Life Insurance

All employees are covered through Group Life Insurance (GLA) at 4x your base salary in the event of your death whilst working for Camunda Ltd.

• There is no enrollment needed to participate in the benefit and no cost to employees.
• If you're over the free cover limit, additional underwriting from AIG may be required. To complete this, AIG will reach out via email requesting details. 

  Expression of Wishes Form

  Information to be added on how to return the form to People Operations
  • • Registration can be completed using your National Insurance number. If your NI number is not in bob, then a temporary number will be provided by the People Ops team. 
    • Underwriting can be waived through AIG if desired. 

  Group Life Expression of Wish Form 

  • As part of your onboarding in bob you will receive a task prompting you to complete your expression of wish nomination. 
  • The task is labeled "Please complete - Group Life: Expression of Wish Nomination."
  • You are required to have at least 1 beneficiary and the form lists up to 5, however should you wish you have more please contact people-operations@camunda.com / #ask-people-team.
  • Please note that in all cases the percentage split should have a total of 100%.
  • Once you have completed this task it will automatically save in your benefits folder on bob under the documents tab.
  • If at any point you would like to update your expression of wish form, please contact people-operations@camunda.com /#ask-people-team. 

  Income Protection

  All employees are covered through Group Income Protection (GIP) for 60% of your base salary. There is no enrollment needed to participate in the benefit and no cost to employees.

  • This will protect you if you are unable to work due to accident, sickness or disability.
    • The evidence relating to the medical condition.
    • Severity
    • How long it has existed. 
    • How it affects the member’s ability to work. 
  • Each case is subject to review by submitting a claim. The claim is then assessed by AIG using the following criteria. 
  • The plan will pay out after 13 weeks continuous absence, and until this time you will be paid in accordance with your employment contract with Camunda.
  • Once a claim is active, the benefit has a provision included to increase at a rate of 3% per annum.

  Smart Health 

  Being part of the Camunda team, you get access to Smart Health through AIG. This health and well-being provider offers the following services.

   

  • 24/7 online GP appointments 
  • Mental Health Support 
  • Health Checks 
  • Second medical opinions 
  • 24/7 mental health helpline. 
  • myStrength wellbeing app
  • Nutrition advice 
  • Fitness Plans 
  • Legal & financial support 

  This service can be accessed 24/7, 365 day a year from any location. These services are also available to your dependents up to age 21. 

  To participate in Smart Health's offerings, download the Smart Health by AIG app or visit the Smart Health website. 

  To register, provide our scheme code, HG014837 and have your photo ID on hand. 

• There is no enrollment needed to participate in the benefit and no cost to employees.

For more information on the plan, please see the following document: Camunda Group Income Protection Insurance

Pension 

Camunda offers Private Group Pension Scheme through Aviva with Salary Sacrifice (an opt out option is also available). Full Plan details can be found in: Camunda Pension Summary More information about Salary Sacrifice can be found in: Salary Sacrifice Information Packet.   The plan includes an automatic enrollment provision for new employees of 6% employer contribution, 5% employee contribution (contributions based on base salary).

Camundi are required to contribute a minimum of 3% (combined contribution of 9%).

Employer contributions are maxed at 6% regardless of any additional employee contributions. 

Onboarding 

You are auto enrolled in the pension scheme effective from your start date. You can expect to see your first contribution reflected in your first pay cycle. 

You can expect to receive your welcome pack from Aviva post to your home address 10-15 business days from the date your first contribution is applied to the scheme. 

Pension Opt Out

Once you’re auto enrolled in the company pension scheme you will receive a membership pack from Aviva. Should you wish to opt out of the pension scheme please follow the process as outlined in your enrolment letter. Please also email people-operations@camunda.com & payroll@camunda.com to inform us of your actions (note: you may only opt out with Aviva directly, your notification to Camunda is purely for documentation purposes). 

Aviva Expression of Wish Form 

As part of your onboarding in bob you will receive a task prompting you to complete your expression of wish nomination. 

• The task is labeled "Please complete - Aviva Pension: Expression of Wish Nomination."
• You are required to have at least 1 beneficiary and the form lists up to 5, however should you wish you have more please contact people-operations@camunda.com / #ask-people-team.
• Please note that in all cases the percentage split should have a total of 100%. 
• Once you have completed this task it will automatically save in your benefits folder on bob under the documents tab.
• If at any point you would like to update your expression of wish form, please contact people-operations@camunda.com /#ask-people-team. 

Changing your Contributions

• To change your contributions, initiate a request by navigating to your profile in Bob and selecting Actions > Update profile > Pension Contribution Change Request
• Press Add > then acknowledge that you have read this page of the handbook in the drop down > Next > Next > Done
• This will automatically trigger an esign document in bob, in which you need to enter and confirm your contribution change. 
• Camundi will fill and sign via bob. 
• Once complete, the file will be saved in your payroll folder, and a notification will be sent to payroll to view the document and adjust the contribution accordingly. 

Please note that any contribution changes will be effective the next month of payroll following the signature date on the esign document. 

Offboarding

Your pension plan is owned by you, but upon your departure contributions will cease. Your final employee and employer contributions will be calculated and funded in your last paycycle. 

Following your departure, there are a few alternatives available to you: 

1. Continue with your personal contributions via direct debit with Aviva. 
2. Make the plan ‘paid up’. This means that no contributions will be paid to the Plan, but the funds will remain invested. You will be able to resume contributions at a later date if you choose.
3. Transfer to another approved pension arrangement.

Who are Benefit Administration Services, Ltd (BAS)?

For over 35 years, BAS has provided innovative and customized service and solutions to employers. From health and benefit management services to human resources and payroll administration. BAS improves productivity and outcomes using advanced technologies alongside excellent customer service. BAS

• Aviva has access to over 200 funds with online account management.

What are the advantages of being in a workplace pension?

1. You have your own individual pension pot.
2. There’s a range of investment options for you to choose.
3. The Scheme is a tax efficient way to save and your employer pays into the pot as well.
4. You can access your pot flexibly, at any time from age 55 and continue to pay contributions. This increases to 57 from 2028 unless your plan has a protected lower pension age. (Note: If you take more than your tax free cash sum, this would trigger the money purchase annual allowance and could restrict the ability to make further pension contributions tax-efficiently).
5. Online account management and other resources to follow the progress of your savings.
6. Flexibility to take your pension fund with you if you change jobs.

Salary Sacrifice 

To Enroll in Salary Sacrifice, please fill out the following form and send to People Operations. Change of Member Contribution - Salary exchange. Note: Salary Exchange and Salary Sacrifice are interchangeable terms. 

Who are Chase de Vere?

Chase de Vere is a leading independent financial advisor that Camunda uses for brokerage services for both our pension and medical insurance benefit plans. Chase de Vere was established in 1969 and is well versed in the UK market. Chase de Vere does not provide financial counseling or advice to employees however they are available to answer questions. 

We have selected this broker to ensure a focus on our customers (in this case our employees!) by enabling the best possible experience in benefits selection and support. BAS will support Camunda by providing advice on the best products and services, while also guiding our administrators and employees through our current plan features and processes. 

Please reach out to your People Operations team with your question and they will help you get in touch with the appropriate contact.