Company health insurance
Company health insurance is additional health insurance taken out by the employer for its employees. It supplements the benefits of statutory or private health insurance.
Support from the employer
Company health insurance - what is it?
Healthy and satisfied employees are the foundation of a successful company. With company health insurance, you can offer your employees valuable additional protection and promote their health and well-being.
Facts & Figures
FAQ on company health insurance (bKV)
We have summarized the most frequently asked questions about company health insurance (bKV) for you in our FAQ. Our experts will also be happy to provide you with individual advice.
The bKV offers additional health benefits that go beyond statutory or private health insurance. It can increase employee loyalty and motivation and offer employees additional security and healthcare.
The employer takes out group insurance with a health insurer. The employees are automatically insured and benefit from the additional services. The costs are usually borne by the employer, but can also be covered proportionately by the employee.
The exact benefits vary depending on the insurer and contract, but typical benefits include
- Allowances for visual aids
- Dental treatment and prophylaxis
- Alternative practitioner and alternative treatment methods
- preventive medical check-ups
- Supplementary hospital insurance (e.g. single room, treatment by chief physician)
- Foreign health insurance
The employer usually pays the contributions to bKV. In some models, the costs can also be borne proportionately by the employee.
The premiums depend on the agreed benefits and the number of insured employees. They are generally lower than for individual supplementary insurance, as this is a group insurance.
The contributions to the bKV are tax-deductible for the employer as a business expense. For the employee, the benefits are often tax-free or only slightly taxable as long as certain allowances are not exceeded.
Yes, there are maximum tax limits for bKV benefits. Contributions that exceed these limits may be taxable for the employee. The exact limits can be adjusted annually.
As a rule, bKV is terminated by the employer, as the employer is the policyholder. However, employees can withdraw from the insurance cover if they leave the company
If you change employer, the insurance cover provided by bKV usually ends. However, some insurers offer the option of continuing the insurance cover privately.
There are no specific statutory regulations on bKV, but it is subject to the general insurance and tax regulations. The exact regulations depend on the respective insurance contract.
Via the HR department or the company's works council. They can provide information on whether and under what conditions a bKV is offered.
Yes, it is possible to combine bKV with individual supplementary insurance policies in order to obtain more comprehensive insurance cover. It is advisable to seek advice from an insurance advisor to find the optimum combination.
Further insurance solutions
In addition to occupational health insurance, we also offer numerous other insurance solutions that could be of interest to you.
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