Insurance Coupons are mandatory so as to pay people you employ on a regular or casual basis for private work or services. Employees may include domestic cleaners, private tutors, childcarers, caregivers, gardeners and landscapers. The Insurance Coupons are issued online through winbank web banking and can be cashed by employees at any Piraeus Bank branch. Any relevant social insurance contributions (25% for IKA and 10% for OGA) are withheld from the amount payable written on the Insurance Coupons. The withheld amount is then paid to the corresponding social insurance fund.