HEXA Corretora de Seguros
Corporate Health Plan · Angola

Corporate Health Insurance in Angola — retention benefit, competitive advantage

The corporate health plan has stopped being an accessory benefit — it is today one of the most determining factors in attracting and retaining qualified talent in Angola. HEXA structures, negotiates and manages group plans for companies of all sizes.

Request proposal Speak with an advisor

For which companies it makes sense

Recognise yourself in any of these scenarios? This insurance was designed for you.

Companies in talent-competitive sectors (technology, banking, oil & gas, consulting)

Growing SMEs needing to retain key staff

Companies with expatriates or internationally travelling staff

Organisations wanting to offer a differentiated benefits package

What it covers

Typical covers of a corporate plan

We structure plans by levels (basic, intermediate, premium), all with optional family extension:

Consultations and exams at the agreed provider network in Luanda

Hospital admission in private rooms

Scheduled and emergency surgery

Medication with reduced co-payment

Dental, ophthalmology and maternal-infant care

International medical assistance (Portugal, South Africa, India)

Extension to family members on preferential terms

Preventive medicine programmes and annual check-ups

Process

How HEXA structures the plan

1

Assessment — number of members, age profile, sector and priorities

2

Comparison — proposals from 4-5 insurers with corporate plans in Angola

3

Selection — we present 3 options with transparent cover/premium ratio

4

Implementation — enrolment, internal communication and ongoing claims management

The HEXA difference

Why HEXA

Multi-insurer negotiation — always 4+ proposals on the same table

Annual renewal with claims analysis and renegotiation

Active claims management support — admission authorisations, refusal appeals

Dedicated account for programmes with 20+ members

Frequently asked questions

Corporate Health Insurance in Angola — your questions

How much does a corporate health plan cost in Angola?
The premium depends on the number of members, average workforce age, sector, coverage level and international cover. The larger the group, the lower the per-capita premium. HEXA always presents 3 options with comparable cover/premium ratio.
Is the cost of the plan tax-deductible for the company?
As a general rule, the cost of the corporate health plan is deductible for Industrial Tax purposes under the conditions provided in the Code. The net benefit — considering tax savings and reduced medical absenteeism — often largely offsets the gross investment.
Can employees include family in the plan?
Yes. The vast majority of corporate plans allow extension to the family group (spouse and children) with proportional premiums. The company can partially or fully subsidise this extension as an additional benefit.
Who joins and who leaves? How is enrolment managed?
HEXA manages the entire cycle: new employee enrolment, exits, family group changes, card issuance and communication to the insurer. The company centralises HR with us as a single point of contact.
Is there an initial waiting period? How long until it becomes active?
Typically, coverage is immediate for emergencies and has short waiting periods (30-90 days) for scheduled consultations, exams and some surgeries. Waiting periods for pre-existing conditions or childbirth may be longer (up to 365 days). HEXA explains all waiting periods before subscription.

Corporate health plan proposal

Three comparative options within forty-eight hours, including per-capita cost simulation by age bracket.

Request proposal Speak with an advisor

Receive the best insights on insurance

Articles, trends, news and case studies on insurance and pension funds in Angola.