Customer Benefits Guide: Argentina 🇦🇷

At Remote, we offer country-specific benefits for everyone on your team. Your employees will enjoy comprehensive coverage from top providers while you access competitive rates meant for larger groups — even if you’re still growing!

In Argentina, the healthcare system is funded through mandatory social contributions made by both employees and employers. Employees are required to contribute 3% of their gross monthly salary toward the healthcare system, this amount is capped based on a maximum monthly earnings limit set by regulations. Employers, on the other hand, contribute 6% of the employee’s gross salary, and unlike the employee portion, the employer's contribution is not subject to any cap.

These combined contributions, amounting to a total of 9%, are directed to the employee’s chosen healthcare provider. Employees typically select an "Obra Social," which is a social security-affiliated healthcare fund, or they may opt for a private health insurance plan, known locally as a "prepaga." The funds collected from these contributions are pooled into a shared healthcare fund.

Employer paid dependents coverage is a standard feature across all our health plans. This enhancement is designed to streamline the benefits process and maximize the value of your health coverage, ensuring comprehensive support for your team and their families.

The final cost of the plan will depend on whether total plan cost surpass the contributions collected in Remote’s shared pool. If there is an excess, it will be evenly distributed among all customers within the same tier, promoting fairness and transparency in cost-sharing

Remote's health insurance offering includes three tiers—Basic, Standard, and Premium—designed to meet diverse needs and budgets within your organization. You can select the appropriate tier, allowing team members to then choose their preferred healthcare provider from the available options within that tier.

You will be responsible for paying the total cost of the health benefit, including any expenses for adding dependents. However, once a plan tier is selected for any team member, it must be offered to all.

Monthly Pricing increases range from 2% to 5%, driven by economic factors such as inflation and regulatory changes.

Note: a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

Customers may elect to offer the below global life insurance benefits to employees and can choose between the basic and comprehensive plans.

Remote has partnered with Allianz as our benefits provider for global life insurance coverage.

It is essential to be aware that in certain countries:

• Insurance Premium Taxes may be applicable. This means you may pay taxes on the monthly premiums you pay towards the life insurance coverage for your employees.
• Life insurance benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the life insurance coverage, might be counted as part of the employee's taxable income according to the local tax laws. 

The rates listed here are for May 1, 2026, to April 30, 2027 policy year. Pricing and benefits are subject to change in response to business and market changes, and we will update you when those changes take place.

Note: a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

Exclusions: Please note that certain exclusions, as outlined in this help article, apply to our global life insurance policy.

The rates listed here are for May 1, 2026, to April 30, 2027 policy year.

Remote has partnered with Oliva, the UK & Europe's #1 rated employee mental wellbeing platform.

Oliva is available on desktop and as a mobile app and it includes:

• 1-to-1 therapy with a curated pool of top-quality therapists (38+ languages available)
• Advanced matching service to find each employee the right therapist for them within 48 hours (98% success rate)
• Personal wellbeing profile with tailored recommendations and info to track progress
• Curated self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, Oliva Talks, podcasts on workplace wellbeing, and micro-learning content series for managers
• 24/7 mental health helplines for when an employee is struggling and needs to talk to someone immediately
• and more

Customers may elect to offer the mental health program benefits to their teams and can choose among 5 different plans. If one of the mental health benefit is offered, the employee will automatically be enrolled and you will be charged for it monthly. However, employees have the option to opt out of the benefit. If they choose to do so, they will be unenrolled and charges will stop effective from the next month.

It is essential to be aware that in certain countries, Mental Health benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the benefit, might be counted as part of the employee's taxable income according to the local tax laws.

Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

Currency: Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.

Note: a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

The rates listed here are for May 1 2026 - April 30, 2027 policy year.

Remote has partnered with Expatriate Group, a specialized insurance provider offering comprehensive business travel insurance solutions designed for global businesses. Remote's business travel is a Multi-trip Insurance and it includes:

• Emergency Medical Support with access to emergency medical care and evacuation services in case of illness or injury while traveling.
• Baggage and Business Equipment Coverage that protects personal belongings and essential business equipment during travel
• Travel Delay and Trip Cancellation for unexpected travel delays or cancellations
• Personal Liability and Accidental Death with coverage up $100,000 per trip across all plans.
• Access to a 24/7 helpline, providing immediate assistance for travel emergencies, medical support, and more, no matter where employees are in the world.
• Up to 42 days of annual Multi-Trip coverage.
• and more.

Customers can offer Global Business Travel Insurance to selected employees, choosing from five levels of coverage. This insurance can be provided on an individual basis, without needing to offer it to the entire team. However, the chosen plan must be consistent for all eligible employees within the same country. Employees also have the option to opt-out, and if they do, their coverage and charges will end in the following billing cycle.

Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

If you have any questions, you can reach out to us.

Important:

• Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.
• For terminated employees, billing will cease as of the last day of the month. However, if during the active policy, the employee files a claim, the monthly premium will continue until next renewal.
• Once the benefits is selected, it is a one-year commitment or until the next renewal, whichever comes first. You will not be able to opt out of the plan until this time period has been reached. If you do not cancel the coverage during this period, it will automatically renew.
• All claims payment are made to the employees by the insurance company directly.
• Access comprehensive plan comparison here and our policy wording.

Note: a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

Remote has partnered with ThanksBEN to provide a flexible Wellness & Lifestyle Benefit for your team.

ThanksBEN’s platform is available on desktop and mobile and allows employees to access a wide variety of wellness and lifestyle services, including:

• Physical and mental health support such as gym memberships, fitness classes, therapy, mindfulness apps, and guided meditation.
• Lifestyle services like streaming subscriptions (Spotify, Netflix), groceries, and other services that support work-life balance and personal well-being.
• Personalized recommendations to help employees select benefits most relevant to their needs.
• Platform support for employees needing immediate assistance or guidance on wellness-related concerns.

Clients can choose to offer the Wellness & Lifestyle Benefit and select from multiple contribution levels. Once a plan is selected, employees are automatically enrolled, and the company will be charged monthly. Employees have the option to opt out at any time, in which case enrollment will be terminated and charges will stop effective from the following month.

It is important to note that in certain countries, wellness benefits may be considered a Benefit in Kind (BIK). This means the monthly contributions paid by the company could be treated as taxable income for the employee under local tax laws.

Pricing and benefits are subject to change based on business and market conditions. Any updates will be communicated to clients as they occur.

• Currency: All contributions are listed in USD. Local currency equivalents will be calculated automatically at the time of use.

Note: a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

Start and End Date of the Wellness & Lifestyle Benefit

• Start date: Employees will be enrolled in the Wellness & Lifestyle Benefit from the 1st day of the month following their employment start date.Example: If an employee starts on July 15, their benefit will begin on August 1. The benefit card will be topped up between the 5th and 7th of that month.
• End date: The Wellness & Lifestyle Benefit for your employees will remain active until the end of their termination month. Benefits are not pro-rated in the final month.Example**:** If an employee’s termination date is August 20, their wallet will remain active until August 31. Any unused balance after August 31 will no longer be accessible.

To learn more about benefits practices, hiring rules, and employment costs in each country, visit our Country Explorer and select your country.