{"id":32440,"date":"2026-09-16T18:36:12","date_gmt":"2026-09-16T17:36:12","guid":{"rendered":"https:\/\/www.caiadoguerreiro.com\/?p=32440"},"modified":"2026-09-16T18:47:20","modified_gmt":"2026-09-16T17:47:20","slug":"collective-agreement-in-the-insurance-sector-extension-to-non-unionised-employees","status":"publish","type":"post","link":"https:\/\/www.caiadoguerreiro.com\/en\/collective-agreement-in-the-insurance-sector-extension-to-non-unionised-employees\/","title":{"rendered":"Collective agreement in the insurance sector: extension to non-unionised employees"},"content":{"rendered":"

Ministerial Order No. 385\/2026\/1 extends the terms of the collective agreement entered into between 24 insurance companies and STAS and SINAPSA to employees who are not members of the signatory trade unions, subject to the conditions laid down therein.<\/em><\/p>\n

On 15 March of this year, Collective Agreement No. 10, reached on 9 February 2026 between 24 insurance companies \u2014 including Allianz, AEGON, Bankinter Seguros, COSEC, Cr\u00e9dito Agr\u00edcola Seguros, Mapfre, Metlife and Real Vida \u2014, on the one hand, and STAS and SINAPSA, on the other, was published in the Employment and Labour Relations Bulletin (Boletim do Trabalho e Emprego \u2013 BTE).<\/em><\/p>\n

On 26 August, Ministerial Order No. 385\/2026\/1 was published in response to the request submitted by the signatory insurance companies seeking to extend the aforementioned collective agreement to all employees in their service who are not members of the signatory trade unions, including those who do not choose, within the applicable period, the collective agreement to which they are to be subject.<\/em><\/p>\n

To whom does the extension of the collective agreement apply?<\/h3>\n

The Ministerial Order provides that the working conditions set out in the aforementioned collective agreement are to apply, throughout mainland Portugal \u2014 thus excluding the Autonomous Regions \u2014, to employment relationships with all employees of the signatory insurance companies who are not members of the signatory trade unions, within the occupations and professional categories provided for in the agreement.<\/em><\/p>\n

It should be noted that the extension applies to a non-unionised employee who has chosen another negotiated collective labour regulation instrument only after the expiry of the 15-month period provided for in the Labour Code.<\/em><\/p>\n

Why was the extension to non-unionised employees requested?<\/h3>\n

The extension resulted from an application submitted by the signatory companies themselves.<\/em><\/p>\n

They stated that they employ 2,608 employees under an employment relationship, of whom only approximately 20% pay trade union dues by means of deductions from their remuneration.<\/em><\/p>\n

The companies\u2019 request was based on considerations of uniformity and non-discrimination among employees of the same companies.<\/em><\/p>\n

What updates are provided for in the agreement?<\/h3>\n

The main updates provided for in the agreement include, on average:<\/em><\/p>\n