Corporate health insurance plan (bKV)

With bKV, you send a strong signal as a modern employer: you show care, promote the health of your employees and reduce sickness-related absences at the same time. In addition, you benefit from tax advantages - for example through the 50-euro exemption limit - and increase your attractiveness in terms of recruitment and employee retention.

In principle, all employees who are subject to social security contributions can benefit from corporate health insurance plan - regardless of age or state of health. Many providers also offer co-insurance for family members. This makes bKV ideal as a comprehensive health benefit for the entire team.

The specific benefits depend on the chosen tariff model. Often included are allowances for dentures, visual aids, alternative practitioner treatments, preventive check-ups, alternative healing methods and digital health services. Budget models that allow employees to use benefits flexibly are particularly popular.

Yes, depending on the insurer, a minimum number of employees is required - usually 5 to 10. These thresholds are deliberately set low so that small and medium-sized companies also have access to bKV.

The costs depend on the selected tariff and the scope of benefits. Many companies use the 50-euro exemption limit to finance bKV free of tax and social security contributions. Budget models offer maximum predictability - with fixed employer contributions and a transparent cost structure.

Company health insurance plan usually ends when an employee leaves the company. However, many insurers offer a private follow-up solution for employees - often at attractive conditions. This means that insurance cover remains uninterrupted.