Important Coverage Note: Your AXA plan operates on a 'Moratorium' basis, meaning:

• Pre-existing medical conditions you've had symptoms, medication, advice, or treatment for in the 5 years before joining won't be covered immediately
• These conditions may become eligible for coverage if you go 2 consecutive years without symptoms, treatment, medication, or advice related to that condition
• New conditions that arise after joining are fully covered in line with policy terms

Please note that certain limitations and exclusions may apply. For full details of coverage, including any exclusions or limitations, please refer to the AXA Health membership handbook available on their portal. 

• Children
• Spouse, Domestic Partner, Civil Partner, or Partner can also be added
  • The only requirement is that they must live at the same address as the primary member

How to Submit Medical Claims

1. Direct Settlement: Most in-patient and day-patient treatment is settled directly between the hospital and AXA. Always call AXA before planned treatment to confirm coverage.
2. Out-patient Claims:
   1. Pay for eligible treatment upfront
   2. Submit claims via the AXA Health online portal
   3. Upload itemized receipts and any supporting documentation
   4. Most claims are processed within 5-7 working days
   5. Reimbursement is made directly to your bank account
3. Dental and Optical Claims:
   1. Submit via AXA Health online portal using the "Cashback" claim option
   2. Include copy of prescription for optical claims
   3. Reimbursement (80% of costs up to annual limits) typically processed within 10 working days

Pre-authorization Required For:

• Any in-patient or day-patient treatment
• MRI, CT, or PET scans
• Psychiatric treatment

For urgent treatment outside normal hours, seek treatment first and inform AXA within 48 hours.

AXA Onboarding

• Day 1: You'll receive your PMI election form via bob's esign system
• Action Required: Complete this form within 30 days of your start date
• Important: Completing within 30 days ensures coverage backdates to your first day
• Next Steps: People Connect team coordinates with BAS to activate your AXA coverage
• Confirmation: Within 48 hours of enrollment, you'll receive:
  • Welcome email from AXA with your new joiner pack
  • Access to AXA Health online portal
  • Ability to view scheme documents and submit/track claims

Can I change my enrolment?

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

Medical 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. 

Camunda does not have access to the AXA app due to our current size. You may access AXA's online member portal where you can review scheme documents and review claims.

• There is no enrollment needed to participate in the benefit and no cost to employees.
• If you're over the free cover limit (150k GBP), additional underwriting from Canda Life may be required. To complete this, they will reach out via email requesting details. 
  • 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 if desired and the free cover limit will apply. 

• 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. 

• 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 Canada Life 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.
• The Income Protection scheme covers employees up to the State Pension Age, the date they return to work or the date they pass away.

WeCare: A comprehensive support service available 24/7 through an app or by phone. It provides access to thousands of experts from the comfort of your home. Services are completely free to use (though private prescriptions carry a cost) and are available to you and your immediate family. Key services include:

• 24/7 GP Consultation: Speak to a UK-based GP via phone or video call for a wide range of conditions, including cold and flu, infections, and anxiety.
• Mental Health Support: Access up to 10 counselling sessions with a team of psychologists and psychotherapists for conditions including stress, anxiety, and depression.
• Get Fit Programme: A personalised four or eight-week get fit programme based on a balanced diet and workout regime.
• Financial and Legal Guidance: Access to experts for guidance on a range of issues including budgeting, debt, property rights, and consumer disputes.
• To access WeCare, review the following guide  and use this access code: E38196

myStrength: A personalised mental wellbeing app that is free for you and your immediate family (aged 16 or over). After completing a short wellbeing assessment, the app provides personalised guidance to help you overcome life's challenges. Features include:

• Hundreds of activities, articles, and videos covering a wide range of topics.
• Practical guidance on mindfulness, meditation, improving mood, managing anxious thoughts, pregnancy, early parenting, and improving sleep.
• The ability to set goals and track your mood within the app.
• To access myStrength, please review the following guide and use this access code: E38196

Second Medical Opinion: Get an expert second opinion on a diagnosis or treatment plan from a network of over 50,000 leading consultants worldwide. To access this service, call 

• 0800 085 6605 and be prepared to provide our company policy number:

Bereavement Counselling: This service provides access to a dedicated helpline and up to four structured telephone sessions with a qualified counsellor. To access this service, call 

• 0800 912 0826and state that you work for Camunda Ltd.

Group Life Assurance: E38196

Group Income Protection: E38197

1. WeCare Employee Guide

2. myStrength Employee Guide

3. Second Medical Opinion Guide

4. Bereavement Counselling Flyer

• Salary sacrifice arrangement means contributions are taken before tax
• This reduces your taxable income, potentially saving on Income Tax and National Insurance
• Your pension pot grows free from capital gains and income tax

• Your contributions are invested in Aviva's default fund (My Future Focus Growth) unless you select alternatives
• Log into your Aviva account to review and change investment options
• Access to a range of funds with different risk profiles and ethical/sustainable options

• Standard annual allowance for pension contributions is £60,000 (2024/2025 tax year)
• This includes all pension schemes you contribute to
• Higher earners may have a reduced allowance

For investment advice or to discuss your pension planning, you can book a free consultation with an Aviva financial advisor through your online account.

Pension 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. 

Opting out of the Pension:

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

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 pension 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. 

Pension 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.

Eligibility

All