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Company Health Insurance

Shortage of skilled workers? Offer what others don't

Company health insurance gives your employees private patient status — a powerful benefit that hardly any competitor offers.
Request bKV quote0711 · 2172 3240

Health as a Benefit — Retaining Employees

Company health insurance (bKV) is one of the most sought-after benefits in the job market. From dental prosthetics to preventive check-ups and specialist consultant treatment — offer your employees first-class healthcare benefits. Tax-deductible and without a health screening.

Without bKV: What Companies Stand to Lose

Shortage of Skilled Workers

Top talent chooses employers with better benefits.

High Absenteeism

Without preventive care and prompt treatment, employees are off work for longer.

Staff Turnover

Dissatisfied employees move to employers offering company health insurance (bKV).

Missed Tax Advantages

Up to €50/month tax-free as a non-cash benefit (§ 8 Abs. 2 EStG).

Advantages of Company Health Insurance

Tax-free up to €50/employee

Monthly non-cash benefit up to €50 is exempt from tax and social security contributions.

No Health Check

All employees are accepted without individual health questions.

Immediate Coverage

No waiting periods — protection applies from day one.

Employer Branding

Positioning as a caring, modern employer.

Reduced Absenteeism

Faster specialist appointments and better preventive care reduce illness-related absences.

Strengthen Your Employer Brand

The company health insurance is a visible benefit that makes an impression in job postings and interviews.

Which Companies Is This For?

All Industries

Company health insurance is suitable for companies of any size and industry.

Skill-Intensive Industries

IT, engineering, healthcare — wherever employee retention is critical.

Trades & Crafts

Dental supplemental coverage and fast specialist appointments as an attractive benefit.

Startups

Affordable, high-impact benefit starting with just a few employees.

What is covered?

Versichert

  • Dental prosthetics and dental treatments beyond statutory insurance benefits
  • Single or double room and chief physician treatment in hospital
  • Alternative practitioners and alternative medicine
  • Vision aids (glasses, contact lenses)
  • Preventive examinations beyond statutory health insurance standard
  • International health insurance for business trips
  • Dental prophylaxis and professional teeth cleaning
  • No health check for group contracts

Nicht versichert

  • Services already covered by statutory/private health insurance
  • Cosmetic surgery without medical indication
  • Treatments prior to policy inception
  • Spa and rehabilitation measures (without additional module)
  • Addiction treatments (depending on tariff)
  • Experimental treatment methods

How We Implement Your Company Health Insurance

1

Needs Analysis

Which benefit modules are most relevant for your workforce?

2

Tariff Selection

Comparison of company health insurance specialists: Hallesche, Signal Iduna, Allianz and others.

3

Rollout

Employee communication, enrollment, and contract launch.

4

Ongoing Support

Managing enrollments and departures, annual tariff review.

Frequently Asked Questions about Company Health Insurance (bKV)

Contributions of up to EUR 50/month per employee are considered a non-cash benefit and are exempt from tax and social security contributions (§ 8 Abs. 2 EStG). This is more cost-effective than an equivalent salary increase.
The employee can continue the policy privately on the same terms — without a new health assessment.
Many insurers offer group rates starting from just 5 employees.
Yes, many tariffs offer a guaranteed insurability option. Upon leaving, employees can continue the policy privately without a new health assessment.
Employer contributions to the bKV are tax-free as a non-cash benefit up to EUR 50/month (§ 8 Abs. 2 EStG). Beyond this amount, they can be taxed at a flat rate of 30%.

Request Consultation

Free and non-binding — we will get back to you within 24 hours.

Group Health Insurance for Your Business

Strengthen your employer branding with company health insurance.

Request bKV Consultation0711 · 2172 3240