1] Overview

As a valued Camundi at Camunda Ltd, you have access to a comprehensive benefits package designed to support your health, wellbeing, and financial security.

The following UK-specific benefits complement our Global Benefits & Perks:

• 🏥 Medical coverage through AXA for you and your dependents
• 🛟 Life Insurance
• Income Protection
• Pension 

Please review the 2025 Benefits Guide and related section below for more information around each benefit. 

2] Medical

• (4x base salary) through AIG/Aviva
• ⛑️ Income Protection (60% of base salary) through AIG
• 📈 Pension Plan (6% employer contribution) through Aviva
• Eye and Eyesight Testing for DSE users

This guide explains each benefit in detail, including how to enroll, make changes, and maximize your coverage. For a quick overview, refer to our 2025 Benefits Guide.

Key Contacts:

• Benefits questions: #ask-people-team and tag Total Rewards Team: Wesley Hattingh and Emily Cady

2] Medical

Camunda offers Private 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.

Which dependents can be covered?

• 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

As part of our commitment to the health and wellbeing of our Camundi, we offer a comprehensive medical plan through AXA Health. Our plan includes the following key benefits:

a. AXA Doctor at hand

• 24/7 GP Access: Video or phone consultations with GPs available anytime.
• Advanced Nurse Practitioner Consultations: Available 8am-10pm daily.
• Convenient 20-minute Appointments: Schedule at your convenience.
• Easy Online Booking: Via website
• Choice of Clinicians: Select your preferred GP or Nurse Practitioner.
• Diagnosis and Treatment: Including specialist referrals and prescriptions (subject to plan coverage).
• Digital Medical Records: Access your consultation notes online.
• For more information have a look at this one-pager

b. Treatment including Comprehensive Cancer Cover

• Full coverage for in-patient and day-patient hospital costs, including surgery, diagnostic tests, drugs, and accommodation
• Specialist and anaesthetist fees for in-patient or day-patient treatment
• Out-patient CT, MRI, and PET scans on specialist referral
• Out-patient surgery
• Radiotherapy and chemotherapy
• Hospital accommodation for one parent while a covered child is receiving treatment
• Up to £100 per night (maximum £500 per year) for hotel accommodation for a close relative or friend during a Camundi's hospital stay
• For more information, have a look at this online resource

c. Full Out-patient Coverage

• Unlimited specialist consultations, including diagnostic tests upon specialist referral
• Coverage for practitioner fees, including nurses, dieticians, orthoptists, speech therapists, and audiologists

d. Therapies

• Unlimited out-patient physiotherapy, acupuncture, osteopathy, and chiropractic treatment
  • Have a look here for more info on booking an appointment
• Up to 10 sessions per year on GP referral, with additional sessions available on specialist referral

e. Mental Health Support

• Access to face-to-face, email, or phone counselling sessions through AXA's mental health assessment and support service (for Camundi aged 18 and over)
• Coverage for psychiatric treatment as an in-patient or day-patient, including specialist fees
• Out-patient fees for psychologists and cognitive behavioural therapists on specialist referral
• For more information refer to this online resource

f. Dentist and Optician Cashback

• 80% reimbursement of dentist fees, up to £400 per year
• 80% reimbursement for prescribed glasses and contact lenses, up to £200 per year
• Up to £25 per year for an eye test
• For more detailed information on dental and optical benefits included in your health plan, review this document: Dentist and Optician option

g. Health Screening services

• You get access to 25% discount off Circle Health Assessments & Nuffield Health assessments
• Find out more here

3] Life Insurance via AIG/AVIVA

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.

4] Income Protection via AIG

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.

5] 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. 

6] Pension Plan 

Camunda offers a Private Group Pension Scheme through Aviva with Salary Sacrifice, providing tax-efficient retirement savings.

Key Features:

• Automatic Enrollment: You're enrolled from your start date
• Employer Contribution: 6% of your base salary (maximum)
• Employee Contribution: 5% of your base salary (default)
• Total Contribution: 11% of your base salary going toward your future

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. 

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. 

3] Life Insurance via AIG

Following Aviva's acquisition of AIG in 2023, the formal rebranding process is now underway. Starting February 2025, all documentation will carry the Aviva branding.

Important points to note:

• Your existing coverage remains unchanged
• Your policy terms stay the same
• No action is required from you

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. 
  • 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. 

4] Income Protection via AIG

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.

5] 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 
• Bereavement counselling and probate support (New from Sep 24)- find out more here
• 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. 

6] Pension Plan 

Camunda offers Private Group Pension Scheme through Aviva with Salary Sacrifice. 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%).

7] Eye and Eyesight Testing for DSE Users

As part of our commitment to Camundi health and safety, and in compliance with HSE regulations, Camunda Ltd offers reimbursement for eye and eyesight testing for all Display Screen Equipment (DSE) users. This benefit is in addition to our existing medical coverage through AXA.

8] Who are Benefit Administration Services, Ltd (BAS)?

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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 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.