Flexible Insurance: A Cost-Effective Business Solution by Surexs
In an increasingly competitive corporate world, companies are searching for innovative ways to attract and retain key talent while optimizing their budgets. One of the most effective solutions to achieve both goals is the implementation of flexible insurance for employees. This type of benefit not only improves employee protection but also helps businesses reduce unexpected costs and enhance staff satisfaction and engagement.
Value Proposition
Traditionally, companies have offered standardized major medical insurance plans to their entire workforce, without considering the individual needs of each employee. However, this approach has limitations: it increases company expenses, does not fully meet employee expectations, and leads to unplanned costs at the end of the insurance term. Additionally, for employees who require more protection or want to add beneficiaries, traditional plans offer limited or no upgrade options.
This is where flexible insurance comes in. With this model, each employee can adjust their coverage according to their needs, whether by increasing their major medical insurance, adding beneficiaries, or purchasing additional coverage, such as auto, home, dental, vision, or even pet insurance. These options can be paid for using excess benefits like bonuses or vacation pay, or through payroll deductions.
Surexs, a pioneer in offering flexible insurance in Mexico, enables companies to implement these benefits at no additional cost, using a simple, efficient model supported by advanced technology. The flexibility offered not only improves employee well-being but also directly contributes to reducing unexpected costs at the end of the fiscal year, when policies fail to cover unforeseen expenses.
“Ammia, Surexs’ digital ecosystem, simplifies and automates insurance processes, preventing users from encountering any obstacles when using their policies. In turn, those in charge of managing employees’ insurance have an administration platform that makes the process of registration, cancellation and policy control quick and effective,” said Carlo Dagnino, Surexs General Manager.
In addition, it is important to mention that the use of Ammia does not entail additional costs or limitations on events or users. Unlike other technology solutions, Ammia is a Human Tech digital ecosystem, offering advanced tools backed by a team of experts ready to provide support at all times.
Global Perspective: The Competition for Talent and Personalizing Benefits
Globally, companies are competing to attract and retain talent by offering a wide range of benefits. However, the most notable trend is the growing demand for flexibility and personalization. Employees increasingly value the ability to tailor their benefits to
their personal needs, which includes selecting different levels of insurance coverage, mental health programs, alternative therapy access, and more.
This trend reflects a shift in the perception of workplace benefits, which are no longer seen merely as extras but as an integral part of compensation packages that directly impact employees’ quality of life. Companies that recognize and adapt to this trend not only improve employee satisfaction but also strengthen their reputation as employers of choice in a highly competitive labor market.
The Mexican Context: Challenges and Opportunities
In Mexico, companies also aim to offer attractive benefits to their employees but face a more rigid legal framework. The Federal Labor Law (LFT) sets guidelines that limit flexibility in offering additional benefits beyond those mandated by law. This poses a challenge for companies wishing to implement flexible insurance and other personalized benefits.
What Does the LFT Say?
The LFT establishes a set of mandatory benefits that companies must provide to their employees, including:
+ Aguinaldo (Year-end bonus): Equivalent to 15 days of minimum wage.
+ Vacation: A minimun of twelve working days after the first year of service.
+ Sunday Premium: An additional 25% of salary for working on Sundays.
+ Profit Sharing: A percentage of the company’s profits.
Restrictions Imposed by the LFT on Additional Benefits
In addition to these obligations, the LFT also places certain restrictions on offering additional benefits. These restrictions include:
+ Minimum Standards: Additional benefits must meet minimum standards set by the LFT, such as those for social security.
+ Equity: Additional benefits must be granted equitably to all employees without discrimination.
+ Cost Consideration: Companies must take into account their financial capacity when offering additional benefits.
These restrictions may cause some companies to hesitate in offering extra benefits like flexible insurance. However, by partnering with a trusted provider like Surexs, businesses can navigate these limitations and find solutions that comply with regulations while offering attractive, personalized benefits to their employees.
“Unlike a traditional broker that usually centralizes all insurance plans with a single insurer, at Surexs, we understand that a more personalized strategy may be more convenient for policyholders,” said Dagnino.
“Additionally, when working with Surexs, customers do not need to search for multiple providers or contract all their insurance requirements with a single insurer. Our team is responsible for obtaining the insurance policy that best suits each customer’s needs, whether working with one or more insurers.”
Surexs also works closely with each client to create a personalized insurance program, carefully selecting essential
coverage and searching for the best options available on the market.
“Regardless of what you want to insure or the size of your company, at Surexs we customize your insurance program according to each need. We work with all insurance companies in Mexico and the most prominent insurers internationally,” explained Dagnino..
Globally, flexibility in benefits is becoming increasingly common, and companies that fail to adapt risk falling behind in the competition for talent. In Mexico, while the legal framework is more restrictive, there is still room to offer flexible insurance that complies with local regulations and meets individual employee needs.
Challenges with Standardized Insurance
One of the biggest challenges for companies offering standardized insurance is cost. Attempting to improve coverage to satisfy all employees often results in significant expense increases. Furthermore, despite higher costs, many employees remain dissatisfied with the benefits provided.
A standardized insurance plan can create a financial burden when it fails to cover unexpected expenses, leaving the company with additional, unplanned bills. This not only increases costs but also negatively impacts employee satisfaction, as they may feel that their insurance does not adequately meet their specific needs.
The lack of flexibility is another significant drawback. Each employee has different coverage requirements based on their personal and family situations. Insurance that does not allow adjustments limits employees who seek greater protection for their loved ones or broader coverage in case of accidents or illness.
As a result, employee dissatisfaction and frustration may grow, directly affecting their engagement and productivity. Employees who feel their benefits are insufficient are more likely to look for opportunities at companies offering better benefits, weakening overall commitment and increasing staff turnover.
Payroll-Deducted Insurance: Accessible Alternative for Well-Being
One of the main difficulties that companies face is the need to provide their employees with protection options that generate value in their daily lives. Organizations seek to position themselves as responsible and attractive employers, offering benefits that reflect their commitment to their team. However, budget constraints make these programs difficult to implement.
Insurance through payroll deductions is an efficient and economical alternative for companies, since this model allows them to provide their employees with the opportunity to obtain insurance without costing an additional expense for the organization. By eliminating the direct financial impact, this model makes it easier for employees to obtain protection at lower prices, which reinforces the company’s commitment to its team, optimizes the use of resources, and improves competitiveness and workplace well-being.
Surexs provides companies the opportunity to offer protection to their associates without affecting their budget. More than an insurance broker, it is an insurtech as a service that provides strategic solutions aligned with the objectives of each business, from large corporations to SMEs.
Surexs collaborates with various insurers to offer coverage adapted to the specific needs of each organization and its team, optimizing budgets and guaranteeing the maximum impact of benefits.
Advantages of implementing Payroll Discount Insurance
Payroll deducted insurance is an option that allows companies to offer their employees the opportunity to purchase personal insurance, including car, pet, home, life, and more, in a simple, accessible way and at competitive prices similar to group insurance. This model does not require companies to invest in group insurance, since the cost is assumed directly by employees through discounts on their salary.
The model is ideal for companies with diverse teams, where different generations coexist with different protection needs. For example, while younger employees may want car or pet insurance, those with families may prioritize life or major medical insurance. In addition, it simplifies administrative management by automating payments, freeing up time and effort so that human resources departments can focus on other strategic tasks.
For growing companies, this model is particularly attractive because it allows them to provide protection to employees, without the need for large investments or having a corporate insurance program. Medium and large companies also benefit from being able to offer a complementary option even if they already have a benefits program.
Ammia: Tech Support Improves Experience
Surexs, through its Ammia digital ecosystem, facilitates the management and use of insurance. With Ammia, employees have access to their coverage from anywhere through a mobile application. In addition, it facilitates the reporting and tracking of claims, and the uploading of documents, improving the insured’s experience.
Payroll discount insurance through Surexs not only increases employee satisfaction, but also positions companies as attractive employers in a competitive market. By enabling efficient budget management, companies can redirect resources to other strategic areas, driving business growth.
Corporate Insurance: Protect, Strengthen Your Company
In addition to payroll deducted insurance, Surexs designs corporate insurance programs that guarantee the operational continuity of companies against any eventuality, with solutions ranging from benefits, auto and fleet insurance, to cybersecurity and general liability.
“At Surexs, our commitment is to offer personalized solutions that strengthen and protect our clients’ businesses, not only in times of emergency, but also by promoting risk prevention and optimizing benefits and resources,” said Carlo Dagnino, general manager of Surexs.
As an insurtech as a service, Surexs allows companies and their associates to obtain adequate protection without compromising their budget. The company’s Ammia digital ecosystem optimizes insurance management, improving the insured’s experience and facilitating administration for human resources. With an innovative approach, Surexs guarantees the protection of assets, associates, and operations, promoting the growth and competitiveness of companies. Read the complete article
Surexs: Facilitating Access to Policies and Claims Management
In today’s business world, companies are constantly making strategic decisions to maintain their competitiveness, improve efficiency, and ensure the continuity of their operations. Managing financial and human resources is essential to meeting short- and long-term objectives. This process is continuous, strategic, and adaptive. Decisions regarding growth, expansion, and resource optimization are based on a detailed assessment of needs and opportunities.
The ability to make informed decisions depends on identifying and assessing all variables, both those that affect operations and those that protect against unexpected scenarios. When analyzing costs and benefits, it’s not enough to simply evaluate the immediate price of a solution, it’s also important to assess its long-term impact on the company’s ability to cope with crises. Diagnosing, deciding, and managing are key to an effective strategy.
Diagnosis involves analyzing risks, resources, and needs to detect internal strengths and weaknesses, which prevents multimillion-dollar losses. Decision-making requires prioritizing strategic options beyond price, as “cheap” solutions can expose deficiencies that paralyze operations. Leadership means aligning strategy with business objectives. Making sound decisions depends not only on analyzing data but also on managing risks. In many cases, growth and budget are prioritized, neglecting the ability to adapt and provide support in the event of a disaster.
Corporate insurance may seem like an unnecessary expense when a company is looking to protect and maximize its budget, but the economic impact of an accident or natural disaster can be exponentially greater if it doesn’t have an efficient backup solution. The time lost waiting for solutions can paralyze operations for days, weeks, or even months, which not only generates economic losses but also jeopardizes customer loyalty and market positioning. In the face of incidents such as fires, power outages, or infrastructure damage, a quick response is crucial. Choosing insurance solely based on price can lead to lengthy bureaucratic processes that result in weeks or months of waiting before receiving support, impacting production, delaying deliveries, and deteriorating relationships with customers and investors.
Recent examples reinforce this reality. Hurricane Otis, which hit Acapulco in 2023, left hundreds of businesses in crisis due to a lack of foresight and the slow response of some financial providers. To this day, the reconstruction of hotels, restaurants, and businesses remains delayed due to bureaucracy and the absence of efficient coverage, impacting the local economy and putting the viability of many companies at risk. Similarly, the Southwest Airlines crisis due to technological failures highlighted the need for agile processes to avoid multimilliondollar losses and consumer distrust. These cases demonstrate that efficient response is not a luxury, but a fundamental pillar for operational stability and continuity.
So the key question shouldn’t be how much does insurance cost, but rather, how fast and efficient is it in the event of a crisis? Ensuring that asset protection is supported by optimal response times and streamlined processes isn’t a luxury, but a necessity.
Choosing affordable insurance can jeopardize business budget optimization, compromising operations due to high deductibles, exclusions, and poor response times. Technology, efficient management, and specialized support can make the difference between a company that simply reacts to crises and one that is prepared to successfully confront them. Therefore, integrating risk management into the core of decision-making not only protects resources and operations, but also strengthens the company’s ability to innovate, grow, and remain competitive in the market. A prepared company is not only concerned with growth, but also with ensuring that its growth is sustainable and protected against any eventuality.
Cost-benefit analysis should not be limited solely to reducing immediate expenses. Decisions must focus on optimizing resources to ensure operational continuity in the event of any crisis. In a world where companies face constant risks and changes, having effective and rapid support is a strategic investment that can mean the difference between survival and bankruptcy in the event of a disaster. Protecting business resources, infrastructure, and, above all, the well-being of human capital, is not an expense, but a vital investment to ensure the success and growth of a company.
With Surexs you can optimize your time, capital, and talent. Companies’ strategic decisions must balance various factors to maintain efficient and successful operations. Surexs presents itself as a tool that goes beyond simply offering corporate insurance; it becomes a key ally for the protection of three fundamental resources: time, capital, and human resources.
Surexs helps its customers manage and leverage their insurance, focusing on transforming the insurance experience through personalized and efficient service that provides tangible added value. Its Ammia digital ecosystem not only facilitates access to policies but also optimizes the entire claims management and resolution process. Companies can manage their policies, report claims, and access support quickly and easily, all from an intuitive platform accessible anytime, anywhere.
Speedy claim resolution is essential, and Surex’s commitment to compliance guarantees that, if the insurer fails to respond, Surex intervenes to resolve any incident within a maximum of five days. This support, along with continuous assistance, allows companies to operate with complete peace of mind and optimize their resources without setbacks.
In addition, companies are responsible for managing claims directly with the insurer, preventing their clients from wasting time and money. The technology ensures a streamlined, transparent, and efficient process, while providing personalized attention at all times. With Surexs, companies, in addition to receiving insurance tailored to their needs, gain the peace of mind that their corporate insurance decisions will translate into real and reliable protection, without complications or surprises.
Its combination of personalized attention, technological innovation, and strategic analysis makes each insurance program an efficient investment. With Surexs, companies reduce risks, optimize costs, and strengthen their operational stability in a constantly changing market.
Profit Boost: How Ammia Increases
Revenue Through Insurance
Surexs, a leader in corporate insurance solutions, has launched an innovative offering that allows companies to increase their revenue through insurance sales. Through its Ammia digital ecosystem, businesses across various sectors can offer insurance without any investment or infrastructure, optimizing resources and improving customer satisfaction.
Ammia makes it easy for businesses to integrate insurance without prior industry experience. From car dealerships to travel agencies and veterinary clinics, companies can sell auto, travel, and pet insurance, among others, generating recurring revenue without operational complications.
In recent years, the insurance market in Latin America has grown rapidly. For instance, it increased 6.8% year-over-year in 2023 — highlighting the potential for revenue diversification for companies. According to McKinsey, 30% of companies that diversify through financial products such as insurance, have seen a 15% increase in their profit margins. Furthermore, growing risk awareness has driven demand for affordable insurance; nevertheless, market premiums have raised the cost of protection without adding real value.
“Insurance sales are an effective way to generate additional income in several sectors, including automotive and tourism. Ammia has simplified the entire process, eliminating traditional barriers in the industry,” said Carlo Dagnino, CEO of Surexs.
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According to internal Surexs data, from 2016 to the present, individual insurance buyers have renewed their policies up to three times before canceling their coverage, this has guaranteed additional revenue for each user. Furthermore, they access ready-to-use digital portals, eliminating the need for licenses, infrastructure, or complicated procedures.
Integration with Ammia is fast and secure since Surexs is the only PCI-certified broker in Mexico. Additionally, Surexs guarantees that all transactions are carried out under the highest data protection standards. Furthermore, if the company already has its own app, the integration of insurance viewing and purchasing is seamlessly integrated into its platform using secure APIs, allowing customers to purchase products directly from the company’s app, without restrictions or complications. This process ensures a seamless user experience, maintaining data integrity and security, and optimizing operations without the need for external solutions or additional infrastructure.
Ammia automatically manages payments and commissions, ensuring timely and transparent revenue. With real-time reporting, businesses can proactively adjust their strategies and receive immediate assistance, ensuring a steady stream of revenue.
Although specific details may vary by sector and business characteristics, companies that have integrated insurance sales have seen a significant increase in recurring revenue without incurring additional operating costs. This return comes from both direct insurance sales and the expansion of the value proposition offered to their customers, strengthening business relationships.
Furthermore, by blending insurance sales through Ammia, companies leverage their existing customer base and offer relevant products that complement their needs. “Insurance sales represent an excellent opportunity to increase revenue without additional operating costs while strengthening customer relationships,” said Dagnino.
As the insurance market continues to grow, Surexs is committed to further expanding Ammia’s capabilities, aiming to offer new opportunities to increase revenue streams for businesses.
In the future, sectors such as e-commerce and other services are expected to join Ammia’s insurance sales platform, creating an even more robust network that will allow businesses to automatically generate recurring revenue.
Ammia Flex: Reshaping How Companies Manage Flexible Insurance
Surexs, a leading corporate insurance broker in Mexico, recently launched Ammia Flex, an innovative module that is part of its Ammia digital ecosystem designed to transform the way companies implement and manage flexible insurance. In a constantly changing work environment, where employee expectations evolve as rapidly as the market, standardized benefits packages are no longer sufficient. With Ammia Flex, companies can overcome the rigidity of traditional plans and evolve toward a dynamic and personalized model where each employee can customize their coverage.
With Ammia Flex, companies can offer their employees the option to configure different coverage plans based on each individual’s characteristics. For instance, their age, place of residence, marital status, and personal priorities. The choice is left to the employee, who can select the plan that best suits them from a simple, centralized interface. All this is achieved without complicating the operation or increasing costs.
“Ammia Flex was created to solve one of the biggest challenges our corporate clients face: offering benefits that truly impact their employees’ quality of life, without increasing their budget or making benefits more difficult to manage,” explained Commercial Director Carlo Dagnino.
This technology represents more than an operational solution: it is a competitive advantage. Integrated metrics allow talent, compensation, and finance leaders to make informed decisions
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based on real data, such as, adoption rates, coverage utilization, program cost-benefit, and other indicators. This enables strategic benefits management focused on maximizing investment in human capital.
In addition, Ammia Flex is PCI-certified, which is the security standard used by financial institutions, ensuring the protection of personal and sensitive data. The platform also integrates easily into company’s internal systems, enabling its adoption even in organizations with multiple business units or a national presence.
As organizations face new challenges (hybrid work models, healthcare inflation, changing expectations), solutions like Ammia Flex demonstrate that benefits can transform from an expense into a tool for positive and sustainable impact. Offering flexible insurance is no longer just a perk, it’s a necessity.
“We’re committed to a vision in which technology, flexibility, and a human approach converge to create more meaningful work experiences. Ammia Flex is a tool designed for those who want to lead that change,” said Dagnino.
With Ammia Flex, Surexs isn’t just responding to a trend: it’s anticipating the future of corporate benefits in Mexico. By centering the individuality of each employee and supporting it with free, scalable, and easy-to-implement technology, the company is redefining what it means to nurture talent in the digital age.
In a market where attracting, retaining, and motivating human capital is a strategic priority, Ammia Flex is a strategic model for companies seeking to differentiate themselves and build a strong, flexible, and people-centered organizational culture.
Surexs: Innovation, Adaptability Transforms Corporate Protection
A company’s evolution depends not only on achieving financial goals but also on protecting the assets that sustain its growth and continuity. This vision has guided Surexs since its founding in 2016. Today, the company has established itself as a player that has transformed the way organizations in Mexico manage their risks and protect their human capital.
Surexs began operations with a clear goal: to offer corporate insurance solutions that respond quickly and precisely to the real needs of a company. The company has developed plans that adapt to the specific contexts of industries such as technology, manufacturing, financial services, and retail. Currently, more than 290 national and transnational companies trust Surexs to protect their operations and workforce, and have opted for a new way of approaching corporate insurance.
While many brokers continue to operate the same way they did decades ago, Surexs understood that protecting people is not just about issuing policies, but rather, understanding realities that include diverse sectors, unique teams, risks, and contexts that do not fit a standard format.
“Issuing a policy is not the end of our work, it is the beginning of a lifelong commitment: protecting our clients’ interests efficiently and humanely,” said Carlo Dagnino, CEO of Surexs.
Surexs adapts to the specific characteristics of each company and industry as well as their requirements. From technology and retail to manufacturing and financial services, the Surexs team thoroughly understands the unique processes, priorities, and challenges of each sector. Therefore, its solutions are designed not only to be functional, but also to be useful when needed most.
It is not just about insurance, it is about a transformative experience that changes the way organizations protect their people and resources. With a 92.1% renewal rate, Surexs clients are not just satisfied, they are convinced of the true value and service they receive.
Surexs offers fast, excellent client service and resolves claims in less than five days, especially in the most critical moments when a swift response can make all the difference. Furthermore, its operational approach simplifies processes to save internal teams time, effort, and resources.
Thanks to the Surexs team’s efforts and the trust of its clients, the company has differentiated itself from other brokers and its expansion continues, as it is not only positioned in Mexico City, but now has strategic points in industrial zones such as Monterrey and Leon. “We continue to improve our corporate insurance solutions, focusing on innovation and efficiency,” said Dagnino.
In a constantly changing business environment, Surexs believes that protecting an organization does not have to be a
complicated or time-consuming process. Its model integrates technology, industry expertise, and personalized support, offering companies corporate insurance solutions tailored to their needs and strategic priorities, helping them remain competitive in a dynamic and demanding market.
