Your local benefits packages provide you with benefits tailored to your country.
Coverage highlights
Some of the coverage highlights include:
- Faster claim experience
- Best-in-class service by top Spanish providers
- Private health insurance, supported by a locally based broker
- The option for dependent coverage - partner and children
Dependent coverage must be covered 100% by Oyster’s customer and not by the employee.
- Social benefits such as meal, transport, and nursery vouchers
- Perks can include a flexible fitness offering
Coverage summary
| Competitive Tier | Best-in-class Tier | |
|---|---|---|
| Private Health Insurance | X | X |
| Meal Allowance | X | X |
| Nursery Allowance | X | X |
| Transport Allowance | X | |
| Gym Membership | X |
Benefits providers
Oyster works with top local providers in Spain who understand the market and offer reliable service.
Regarding private health insurance, Cigna is the insurer backing each of the health insurance plans. In addition, we have partnered with Cobee, a top broker in Spain, to facilitate the set-up and management of the day-to-day activities.
Private health insurance:
Social benefits:
- Cobee (broker)
Fitness perk:
General FAQs
When do my benefits start?
The 1st of the following month after your start date.
How do I access my Cobee account?
Check out Cobee's guide to activate and access your account.
Will I receive a physical card linked to my Cobee account?
Yes. Be sure to add your physical address to your profile.
- It takes approximately 5 to 15 business days to arrive.
- Follow Cobee's guide to activate your physical card.
Dependents
Is it possible to add dependents?
Yes. If your company has agreed to cover your dependents, you will be added to the Cobee platform with the option to add your dependents.
Please check with your HR representative if your company agreed to cover dependents.
How do I add a dependent?
In the Cobee app, do the following:
- Click Benefits.
- Select the Health Insurance benefit.
- Click the Apply for current period button and start the process.
- Add your family member(s) to the insurance. You must add each dependent separately.
You can only add dependents if your company allows it.
- You can take out the policy for yourself, your partner, or your children.
- Select the policy you are interested in.
- Read the information about health insurance to choose the policy that best suits your needs.
- Click Hire Insurance.
How many dependents can I add?
If your company has agreed to allow you to add dependents, they will also specify how many dependents you can add. You cannot add more than the allowed number of dependents.
Please check with your company's HR representative about the number of dependents you can add.
How is the cost of my dependents covered?
If your company has agreed to allow you to add dependents, the cost of the dependents will be covered by your company.
Can I pay for my dependent(s) health insurance via Cobee?
Unfortunately, no. Dependents can only be added if your company has agreed to cover their costs.
When will my dependents’ cover start?
If you add your dependents via the Cobee platform before the 20th of the month, coverage will start on the 1st of the next month. For example, if you add your dependent(s) on 12 April 2023, their coverage will start on the 1st of May 2023.
If you add your dependents via the Cobee platform after the 20th of the month, coverage will start the 1st of the month after the next month. For example, if you add your dependent(s) on 25 April 2023, their coverage will start on the 1st of June 2023.
Social benefits
What are “social benefits”?
Social benefits are a form of non-monetary remuneration that the company's workers receive to complement their salary for the work performed.
Companies offer these remunerations to improve the quality of life of the teams through favorable conditions in the payment of services such as transportation, food, or childcare.
What is the allowance included in my plan?
Competitive Tier
- €180 per month
- This allowance can be used for meals and nursery expenses
Best-in-class Tier
- €220 per month
- This allowance can be used for meals, transportation and nursery expenses
Do I have to sacrifice a portion of my salary for social benefits?
No. Your company assumes the cost of these advantages entirely based on its collective agreements or internal policies.
How do social benefits affect my taxation?
Check out Cobee's guide about the taxation of social benefits.
Does my social benefit balance accumulate?
Yes, and the accumulation of your balance has already been activated. This allows you to accumulate the remaining money to be consumed in the following months.
The accumulation is for meals and transport only.
Check out Cobee's guide about the accumulation of social benefits.
Support
Who do I reach out to if I have further questions?
Contact Oyster Support, where a member of our dedicated Support team will assist.
Downloadable brochures
Private Health Insurance:
