Discount Affinity Schemes

ISME members can quickly reduce their business costs - and recoup their tax deductible membership fees - by availing of attractive discounts negotiated by ISME on a wide range of services and financial products, essential for business.

Members - to find out the details of the discounts available, log into the member area and click on Discount Affinity Schemes.

ISME Bankcheck
ISME Credit Insurance Scheme
ISME Foreign Exchange (FX) Scheme
ISME Health Cover
ISME Insurance Scheme
ISME Group Life Cover Plan
ISME Cost Reduction Facility for Pension Schemes
ISME Phone
ISME Software Back-up
ISME Travel Insurance
ISME Hospital Cash Income Plan

ISME Bank Check
Provides a totally independent financial checking service that will quickly tell you if there are problems with your bank accounts and set about recovering any monies owed to you, (with interest of course!). Through the scheme you can also negotiate more competitive rates with your own bank or alternative finance houses. Your initial meeting is free of charge, so peace of mind costs nothing more than a little of your time

ISME Credit Insurance Scheme
The Credit Insurance scheme in association with with Campion Insurance, is specifically tailored for the needs of members providing available cover for domestic and export sales. The main terms of the scheme, include a 10% discount for ISME members, a quarterly payment facility and full on-line training and service.


ISME Foreign Exchange (FX) Scheme
At a time of significant fluctuations in foreign currencies, ISME in association with Investec Bank, have introduced a unique scheme for members, offering significant savings on foreign exchange transactions. ISME members will benefit from a minimal guaranteed foreign exchange margin of 0.5% on all foreign exchange transactions of amounts between €1,000 and €100,000. No charges or fees on foreign exchange transfers or statements will apply.

ISME Health Cover
Substantial reducations on health cover rates.

ISME Insurance Scheme
Up to 20% reductions on comprehensive packages. Since July 2003, there has been a significant turnaround in the availability and cost of insurance. While this is very welcome news, insurance still represents a major cost for members and history would also suggest that the current cycle of price reductions will turn again.

ISME Life Cover Plan
Savings of over 50% on life cover for owners and employees. ISME Group Life Cover Plan offers members valuable Life Cover plans at extremely good value. There are three levels of benefit available to you – €100,000 cover, €75,000 cover or €50,000 cover. Premiums are allowable as a business expense for corporation tax purposes. This plan is designed to pay out a Tax Free Lump Sum to employees’ dependants in the event of their death before age 65.

ISME Cost Reduction Facility for Pension Schemes
This innovative scheme provides SME owner managers, with access to a facility that will reduce the costs of their pension scheme, without the need to change their existing fund manager or broker. As well as reducing costs, the scheme will provide a comprehensive online facility and remove the burden of trusteeship from employers.
The main benefits of the scheme include;
• Up to 15% reduction in administrative pension costs.
• Lower investment charges.
• PensionSource can act as trustees to a pension scheme and remove the need for trustee training.
• The scheme can be accessed without the need to switch brokers.
• A comprehensive on-line facility ensures transparent and up to date pension information

ISME Phone Scheme
The ISME Phone Scheme, which is operated in conjunction with imag!ne, was launched in 2002 and has proven to be hugely successful with a high take-up from ISME members. imag!ne will provide specific discounted pricing on telecoms charges for all ISME members. Based on ISME research and feedback, our members now save typically 35% on telephone charges.

ISME Software Back-up Scheme
Over 60% of companies that lose their data lose the ability to continue in business after six months. Remove that uncertainty with ISME Premium Backup from Spector. Spector guarantee complete protection and back-up of the data that is crucial to the running of your business..

ISME Travel Insurance
The ISME MultiTravel Insurance Scheme in partnership with GroupSure, offers competitive rates specifically negotiated for members and their employees, including a highly competitive rate of €58 single, €65 couple and €70 per annum for a family for multi-trips to include business trips. For further information contact: (01) 4952822 or visit www.groupsure.ie

ISME Hospital Cash Income Plan
The ISME Hospital Cash Income Plan in association with HMCA provides generous benefits to members for as little as 33 cents a day. The plan provides:

• €50 a day for up to 365 days for a stay in hospital due to sickness.
• €100 a day if in hospital in Ireland due to an accident.
• €300 private ambulance cover.
• €1,250 Maternity Grant.
• Special offer for Families.
• Many other benefits...

For further information contact 01 6130316 or e-mail hmca@hmcaireland.ie, outlining that you are an ISME member.