Overview
Your recorded benefits, enrolment and available observations from employee analyses.
For employers · Employee insurance overview
Insurance clarity for employees. Individual privacy preserved.
Your employees get one collected picture of their own insurance cover, with possible gaps and overlaps to review using the available information. You get aggregate data from employees who consent.
Individual results are always private. The employer sees aggregate statistics only.
Employee cover
Example Company AB · ExampleAverage analysis score
68,2
Forsio participants as reference
Joined
68 of 400
of the reported workforce
Possible overlaps
13 %
share with a flagged overlap
Possible coverage gap
Income
44% affected
Most common possible coverage gap
Income protection — a possible gap has been flagged for 44% of employees in the analysis sample.
Take-up over time
Example
Take-up shows how many people have joined over time.
Score distribution
Analysis score by band
0–20
3
21–40
9
41–60
18
61–80
21
81–100
10
All figures are aggregated. No information about an individual employee appears in this view.
The privacy wall
You see the group, never the person.
This is not a setting that can be changed. The wall is built into how the statistics are produced.
The individual's results
Not shared with the employer.
Privacy wall
The employer's view
Employees enrolledaggregated
Possible coverage gapsaggregated
Comparison with your benefitsaggregated
Never tied to a named person.
01
Only employees who have given their own consent are counted in the statistics.
02
Every figure is aggregated. Groups smaller than the threshold are never shown.
03
Sensitive types of insurance are never reported as a line of their own.
04
There is no individual-level data in the employer's view.
What you see
Seven views, one set of figures.
07Seven views, one set of figures.
Your benefits
The insurance you have chosen to offer, gathered and recorded.
Programme and cost
Recorded premiums and renewal dates, with preliminary tax figures.
Collective agreement
General rules for the agreement areas you specify, alongside your recorded benefits.
Employee cover
Aggregate statistics from consenting employees and a comparison with your recorded benefits.
Reference data
A comparison with Forsio's own data from participating individuals. The sample and group size affect what can be shown.
Supporting figures
Export available figures as CSV for a review with the board, payroll team or benefits broker.
Collective agreement
The starting point in your collective agreement.
Forsio shows the general rules for the agreement areas you specify alongside your recorded benefits. Check the applicable agreement and which employees it covers.
Where several agreement areas apply, the strongest obligation is shown for each type of insurance. The view is not split by staff category.
Collective agreement
Baseline cover under the agreement · Example- PensionIn the agreement
- LifeIn the agreement
- AccidentIn the agreement
- IncomeUnclear
- HealthcareYour choice
- DentalYour choice
- TravelYour choice
Programme and cost
Your costs, gathered for review.
Your recorded premiums and renewal dates, with a preliminary calculation of the taxable portion. These figures are shown regardless of how many employees have enrolled.
01
Annual premium
Recorded annual premiums per benefit and in total. Missing information is marked.
02
Taxable portion
A preliminary calculation to check with your payroll team.
03
Renewal date
The renewal date you have recorded for each contract.
The figures are something for your payroll function to work from, not a tax assessment.
Getting started
How to get started.
01
State the collective agreement
02
Record your benefits
03
Enter premium and renewal date
04
State the headcount
05
Employees choose whether to join
What you get out of it
An individual overview for each employee
The employee gets one collected picture of their own cover. It is a concrete thing to offer, and it calls for no procurement of a new insurance contract.
Something to work from before a benefits decision
Recorded benefits and available observations from consenting employees help you identify questions for a benefits review.
Directly, or through your benefits broker
Your existing benefits broker can use the figures you choose to share when reviewing your benefits.
How data is handled is described in full under Security and in our product privacy policy (Swedish). Do you deliver benefits to employers as an intermediary? That route looks different.
Before we meet
A few things to know.
Can we see an individual employee’s policies?
No. The employer view contains aggregate statistics from employees who have consented. Individual results are not part of that view, and groups below the threshold are not shown.
Does our choice of benefits influence the analysis?
Your recorded benefits can be included in the employee's overview and analysis. The information comes from you and needs to be checked against the terms. Matching insurance types alone do not establish equivalent cover. Forsio does not provide insurance advice. The employee decides what happens next.
Would you like to see what this looks like in practice?
We show both the employee's view and the employer's aggregate view. You will hear from us within three working days.
Forsio is not an insurance intermediary and does not provide insurance advice.