What it does for your staff
Company health insurance adds benefits to the statutory cover that would otherwise have to be paid for privately. Depending on the scheme these are dental treatment and prophylaxis, glasses and contact lenses, health screening, treatment by alternative practitioners, extra benefits during a stay in hospital, or an annual health budget that staff can use as they see fit.
Your staff benefit from strong modules without medical underwriting and without qualifying periods. Under the usual group contracts with compulsory membership, pre existing conditions are covered as well. That is precisely the difference from supplementary cover taken out privately, where many employees would be turned down or would have to pay loadings.
Why it pays off for the business
Company health insurance is among the most popular staff benefits and noticeably raises your standing as an employer. Unlike a pay rise, which is taken for granted after a few months, it is noticed again at every visit to the doctor.
Then there is the effect on loyalty. In companies with a scheme in place, staff turnover is considerably lower and satisfaction higher. Anyone leaving the company loses the cover or has to continue it themselves, and then usually with medical underwriting. Where replacing a skilled employee takes months, that is an argument with real value behind it.
Putting it in place
At the outset we define the group of insured people. That can be the entire workforce or a group that can be objectively delimited, for example by length of service or function. After that we choose the benefit concept and settle how to include staff who are not covered by statutory health insurance in Germany.
For your company the premiums are business expenses. How the benefit is treated for tax purposes on the employee's side depends on the exact arrangement and belongs settled with your tax adviser. We supply the policy documents and the arguments for that, along with information material for the workforce. Because a benefit nobody knows about has no effect either.
A benefit that actually lands.
We show you what a scheme costs for the size of your workforce and how it is introduced.