An investment in healthy and motivated employees

Many employers are currently having trouble finding skilled workers and keeping them in the long term. At the same time, they are faced with the challenge of reducing sick leave and promoting employee health. Ecclesia Group Vorsorgemanagement GmbH offers a solution for this: the introduction of company health insurance. It serves as an instrument for employee retention and for increasing the attractiveness of the company as an employer. Marc Hauck, head of the health insurance division, explains the advantages of company health insurance.
 

“One topic that interests many employees is their health, and this is precisely where company health insurance comes in. Employees receive services that are not or only partially covered by statutory health insurance,” explains Marc Hauck. This insurance solution complements existing health insurance and offers employees additional benefits in the form of private supplementary health insurance. ”For some time now, so-called budget tariffs have been extremely popular. A highly flexible solution that meets the needs of all employees individually. Companies provide their employees with a health budget that allows them to choose exactly the health services they need – for example, the assumption of costs for visual aids, dental treatments, dentures, alternative practitioner treatments, naturopathy or medication, remedies and aids,” says the insurance expert. For a premium of around ten euros per month and employee, a health budget of 300 euros per year is available.

The bKV offers added value for employees that they can experience immediately. At the same time, there is the potential to reduce absenteeism. In addition to the health budget, there is often the option of accessing a medical consultation via video call at short notice if needed. If the service recipients have minor complaints, they can discuss their problem with doctors in a video consultation. “The doctors can, for example, prescribe medication for a cold or ear infection. The medication can then be reimbursed later from the company health insurance budget,” says Marc Hauck.

Another advantage is preferential appointment allocation with specialists. “The employer also benefits from this because, for example, in the event of an injury, the employee receives a diagnosis and treatment more quickly and is therefore able to return to work sooner because they have received an appointment faster,” says the health insurance expert. Ultimately, the bKV can help to make employees more motivated and satisfied, as they feel valued by the additional benefits. Contributions to the bKV are tax-free and exempt from social security contributions up to the non-monetary remuneration limit of €50. In addition, contributions to the bKV are tax deductible as business expenses.
 

Would you also like to offer your employees added value they can experience immediately and reduce their absences? Ecclesia Group Vorsorgemanagement GmbH offers a wide range of models for this purpose and will be happy to advise you on the way to your individual pension solution. Please feel free to talk to us and find out more.