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Benefits Cockpit bKV & bAV · Benefits Risk Check

Benefits Cockpit bKV & bAV – how resilient is provision in your company really?

The Benefits Risk Check for companies in Munich and across Germany: company health insurance, company pension scheme, group accident cover, health budget and health management — checked in a few minutes, free of charge and without registration. You receive a Coverage Index from 0 to 100, a traffic-light rating for each building block and a projection of what the gaps cost your company each year.

Five impact dimensionsFinancial security, speed of provision, invalidity, family, retention
0 to 100 pointsCoverage Index based on a fixed points system, not on gut feeling
No registration requiredThe analysis runs in your browser. Nothing is stored.
1

Company health insurance

The building block with the strongest effect on days of absence — it speeds up access to treatment.

62 %
2

Company pension scheme

Employer contribution, occupational disability and survivors‘ provision — the building block with the strongest retention effect.

48 %
3

Group accident insurance

Statutory accident insurance applies to workplace and commuting accidents. The vast majority of all accidents happen in leisure time.

95 %
4

Contract quality

Points that go beyond the tariff content and should be required as standard in every tender.

5

Occupational health management

Provision works better when it does not stand alone. This block does not count towards the Coverage Index but is assessed separately.

6

Your company

For the projection. Without these details you will get the Coverage Index, but no euro figures.

Adjust calculation assumptions

Attribution share — the proportion of the observed change that is attributed to the benefits programme. 40 % is a deliberately cautious assumption. No promise of effect without measurement: after twelve months, these assumptions should be replaced with measured before-and-after figures.

0
of 100
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Your Coverage Index

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The five impact dimensions

The dimensions do not overlap. Their maximum values add up to 100 points. A capped dimension means: everything is already covered there, and an additional building block brings no further benefit at that point.

The biggest gaps

What the gaps cost each year

Model calculation based on the stored coefficients. Your current status is compared with the fully built-out Premium level — at the same participation rate.

Send report to us

We will look at your analysis and get back to you with an assessment. The full report goes to Allianz General Agency Christian Kometer. No automatic copy is sent to you.

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This analysis is a model calculation based on your details and reasoned assumptions. It replaces neither insurance advice nor a review under tax or employment law. Benefits depend on the tariff and contract; the respective insurance terms and conditions are decisive. Before any introduction, tax treatment, co-determination obligations and equal treatment should be reviewed by tax advisors and the legal department. Your details are processed exclusively in your browser; they leave your device only once you send the report.

© 2026 Allianz General Agency Christian Kometer · Am Weiher 13 d, 82131 Gauting