To transfer risks in certain expenses to the insurance company and the insurance side benefit to its employees ' well-being. In addition, a portion of the salary, wage income.
To transfer the risk of uncertainty in the cost to the company. And the welfare insurance for the well-being of the employees. In addition to the money in unpaid wages.
To transfer the risk in the cost uncertainty to the insurance company. Give the insurance welfare and well-being of employees. In addition to the income in the form of wage and salary.