Agile Lab - Employee Health Insurance Handbook

Introduction

Agile Lab provides an additional health insurance plan through PreviGen (part of Generali Assicurazioni) for all employees (EMP1), complementing the mandatory coverage outlined by the CCNL (National Collective Labor Agreement). This document serves as a reference guide to understanding the insurance plan, enrollment procedures, and key considerations.

1. Enrollment and Coverage

Who is covered?
All employees EMP1 of Agile Lab with a permanent contract are eligible for PreviGen coverage. The employee's enrollment in the fund is fully covered by Agile Lab.

Enrollment
Employees receive the PreviGen enrollment form along with other onboarding documents. The form must be duly completed (we recommend using a personal email address), signed, and returned to People Administration. Without the completed and signed form, registration for PreviGen cannot be processed.
Once the completed form is received, enrollment takes effect in the quarter following the successful completion of the probation period.

PreviGen Quarters:

• Q1: February - March - April
• Q2: May - June - July
• Q3: August - September - October
• Q4: November - December - January

Family Coverage Option
Employees can choose to extend coverage to their Family Members.

Eligible family members include:

• Spouse or legally recognized partner, that is, listed in the family status certificate of the employee who is the policyholder of the insurance
• Children up to 26 years old, provided they are still students

Parents and siblings are not included in the coverage.
In this case, an annual payroll deduction applies.
Family members enrolled in PreviGen receive the same coverage and benefits as the employee. However, extending coverage to family members means that policy limits and caps apply to the entire family unit, rather than to each individual separately. These limits can be used by any family member at their discretion.

Family members enrollment Timing

• For existing PreviGen members, family members can only be enrolled at the annual renewal date (January each year)
• For first-time enrollees, employees can register their family members at the same time as their initial enrollment
• PreviGen enrollments are processed on a quarterly basis and only after the probation period has been completed

Family Coverage Costs

• If an employee extends coverage to their family members, a one-time annual payroll deduction of €500 applies, provided the enrollment occurs within the first two quarters (February or May)
• If family enrollment occurs from the third quarter onward (starting in August), the payroll deduction will be 70% of the annual fee (€350)

2. Deadlines & Key Dates

Annual Renewal & Enrollment Period
Each year, a communication will be sent with the specific deadline to confirm:

• Whether you wish to enroll your family members in the plan (you must return the completed and signed form)
• Whether you wish to opt-out of family coverage (if previously enrolled)
• Whether you wish to enroll yourself if you were not previously included (you must return the completed and signed form)

Automatic Renewal
If no action is taken, your individual coverage will automatically renew with the same status as the previous year.

3. Insurance Benefits and Usage

Included Services
The insurance covers a wide range of medical services. There is no predefined catalog of covered procedures; employees should check the MyGenerali portal or contact the PreviGen Help Desk (800.221.133) for information on specific treatments.

Direct Coverage vs. Reimbursement

• Medical services can be used at network providers (direct billing) or at non-network providers (reimbursement required)
• Two dental services (check-ups and tartar removal) are only available through direct billing and are not reimbursable
• Reimbursement claims require submitting documentation, and a deductible or copayment may apply
• Detailed information on policy limits and deductibles is available in the policy conditions

4. How to Access Healthcare Services

Booking Appointments

• It is recommended to wait at least 48 hours after the renewal date before scheduling a medical appointment
• Both general practitioner referrals and private specialist prescriptions are accepted for booking appointments

Using MyGenerali

• Once enrolled, employees must register on MyGenerali to manage their insurance benefits
• Medical service requests, approvals, and reimbursement submissions can be handled via the MyGenerali portal

Bank Details for Reimbursements

• Only one IBAN can be linked to the policyholder’s profile
• If an employee wishes a reimbursement to be directed to a family member’s bank account, the IBAN must be manually specified during the reimbursement request

5. Frequently Asked Questions (FAQ)

Can I see a list of covered medical services?

No, PreviGen does not provide a predefined catalog of covered services. You need to check the MyGenerali portal or contact the PreviGen Help Desk for specific service details.

What happens if I visit a non-network provider?

You will need to pay for the service upfront and then request reimbursement. However, certain dental services (check-ups and tartar removal) are only available through direct billing and cannot be reimbursed.

Do family members get the same coverage as employees?

Yes, but if you extend coverage to family members, the policy limits and benefits apply to the entire family unit rather than to each person individually.

When does my insurance coverage start?

For new employees, coverage begins the quarter after the probation period is completed. Enrollment happens on a quarterly basis as follows:

• February – April
• May – July
• August – October
• November – January

When should I schedule a medical appointment after renewal?

It is advisable to wait at least 48 hours after the renewal date before booking an appointment to ensure the system recognizes your updated coverage.

Can I change my bank account for reimbursements?

Only one IBAN can be stored for the policyholder. If you need to direct a reimbursement to a family member’s account, you must manually specify their IBAN at the time of request.

What happens if I leave Agile Lab?

Your coverage remains active until the end of the policy period in which you leave.

Who can I contact for further assistance?

• Agile Lab HR Team
• PreviGen Customer Service (800.221.133)
• MyGenerali Portal for managing claims and benefits

Employees will receive official communications regarding specific deadlines and changes in policy terms as necessary.