Company health insurance Munich · Company pension scheme Munich · nationwide
Company health insurance and company pension scheme – advice for companies in Munich and nationwide.
Benefits that employees feel straight away – and that you, as the employer, can control. Company health insurance and company pension schemes become powerful when they are not sold as a tariff, but presented as a clear decision: understandable for employees, plannable for management, measurable for HR.
While you are reading this page, you can already check: where are you losing loyalty, trust or candidate interest today – and which benefit would make an immediate difference?
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Direct answer
What is this landing page about?
This page explains how companies use company health insurance and company pension schemes as an effective benefits concept: for employee retention, employer attractiveness, health and provision. Advice for small and medium-sized enterprises in Munich and nationwide – in person or as online advice for management and HR.
Briefly answered
Company health insurance and bAV – briefly answered.
Five answers for management and HR before we go into detail. The insurance terms and conditions of the chosen tariff always apply.
What does company health insurance cost the employer?
Depending on budget and scope of cover, from a double-digit amount per employee per month. The contributions are business expenses; within the non-cash benefit allowance (Sachbezugsfreigrenze) they remain free of tax and social security contributions for employees. The exact amount depends on the tariff, the number of employees and the health budget chosen. Allianz company health insurance offers budget tariffs and individual modules for this; the insurance terms and conditions apply.
Is there company health insurance without a health check?
For group contracts above a certain minimum size, health questions are generally waived. This makes bKV accessible even to employees who could no longer obtain private supplementary cover. The insurance terms and conditions of the respective tariff apply.
Introducing company health insurance – how does it work?
In four steps: analysis of the workforce and objectives, a concept with a budget tariff or individual modules, communication to employees, ongoing support. From decision to launch often takes only a few weeks.
What is the Benefits Cockpit bKV & bAV?
Our free Benefits Risk Check for companies: five dimensions, a Coverage Index from 0 to 100 and an assessment of where company health and pension provision currently stand. It takes about five minutes and does not replace advice – it shows where advice should start.
What does a company pension scheme bring the employer?
Employee retention, securing skilled staff and social security savings on salary conversion (Entgeltumwandlung). The statutory 15 per cent employer contribution is mandatory for salary conversion where social security contributions are saved – employers who contribute more turn it into a visible argument in recruiting.
Why now
Good benefits do not work because they are expensive. They work because they are understood.
Many companies already offer something. But often the real value stays invisible. That is exactly where advice begins: benefits become a clearly understood advantage.
Strengthen loyalty
Employees are more likely to stay when they feel: my employer thinks beyond salary.
Improve recruiting
bKV and bAV make employer attractiveness concrete – not as a buzzword, but as a usable advantage.
Relieve HR
A clear process reduces queries, misunderstandings and internal uncertainty.
Promote health
bKV shows appreciation exactly where people recognise it immediately: in their health.
Make provision visible
bAV translates securing the future into a decision that employees can rationally understand.
Simplify the decision
Instead of a flood of products, you get a clear recommendation with reasoning, limits and a next step.
Company health insurance
bKV: the benefit that lands in everyday life.
Company health insurance for businesses means: your employees gain access to benefits they could often no longer insure privately – dentures, check-ups, hospital cover, vision aids – and you, as the employer, control this through a fixed health budget. bKV is powerful because it does not take effect eventually, but now. Employees often experience the additional health benefits immediately – and associate that experience with your company.
Imagine an employee does not have to think for long to understand the benefit. They see: my employer gives me access to additional health cover. It is exactly this simplicity that makes bKV so valuable. Imagine the moment an employee submits a claim for the first time and it is paid. That is the moment employee loyalty through company health insurance is created.
Which benefits?
Budget tariff, dentures, check-ups, vision aids, alternative practitioners or a modular solution.
Which employees?
The entire workforce, groups, managers or defined eligibility criteria.
Which communication?
Explained so that employees quickly understand the benefit and actually use it.
Which cost logic?
Reviewing the budget framework, tax treatment and impact on employer attractiveness.
Company pension scheme
bAV: loyalty that goes beyond the monthly salary.
For employers, a company pension scheme is not an administrative act but a retention instrument: the Allianz Direktversicherung (direct insurance policy) as the standard route, salary conversion, employer contribution – and, for shareholder-managing directors, the Unterstützungskasse (support fund) or Pensionszusage (pension commitment). Allianz's company pension scheme stands for reliability over decades; advice decides whether it suits your company. bAV is one of the rationally strongest benefit decisions when explained clearly. Employees recognise: this is about my future. Employers show: we think long-term.
And that is exactly what changes perception. A compulsory conversation becomes a conversation about the future. Paragraphs become security. Provision becomes a reason to stay.
Employer contribution
How is support used sensibly, clearly and predictably?
Salary conversion
How do you create a model employees can understand?
Communication
How are advantages, limits and decisions communicated clearly?
Existing contracts
What already exists, what makes sense, and what should be reorganised?
Pension provision for managing directors
Shareholder-managing directors who are not covered by the statutory pension insurance need provision that is tax-recognised and protected against insolvency – the Unterstützungskasse (support fund) for managing directors or a Pensionszusage (pension commitment). This is a specialist field in its own right; we have been advising on it for over twenty years.
The combination
bKV and bAV together: immediately noticeable, valuable in the long term.
bKV addresses today: health, benefits, care. bAV addresses tomorrow: security, pension, the future. Together they form a benefits concept that convinces both emotionally and rationally.
| bKV | bAV | |
|---|---|---|
| Effect | Quickly visible and usable in everyday life. | Long-term security and future commitment. |
| Psychology | “My employer looks after my health.” | “My employer helps me secure my future.” |
| Benefit for HR | A strong argument in recruiting and employee conversations. | Structured provision with long-term retention power. |
Clarify objectives
Is it about recruiting, retention, sickness levels, managers, the whole workforce or succession?
Translate the benefit
The benefit must be explained so that employees do not have to think about whether it is relevant to them.
Guide the decision
Only once the effect, costs and communication are clear is the specific solution chosen.
How it works
Four steps to turn an idea into a usable benefit.
The next step is deliberately small. You do not have to decide immediately. First you need clarity on whether bKV, bAV or the combination makes sense for your company.
Analysis
Company objectives, workforce structure, budget framework and existing solutions are reviewed and organised.
Concept
You receive a clear recommendation: what makes sense, what does not, and why.
Communication
The benefit is presented so that employees understand it quickly.
Ongoing support
Roll-out, queries and later adjustments are supported every step of the way.
What our clients say
Trust is built when solutions hold up even in complicated cases.
These voices show what matters in everyday practice: being reachable, clear communication, fast help and expertise.
“Great, fast and professional service! The agency has been a reliable partner to me for years. Even in complicated health insurance cases, an excellent solution was always found.”
“Great Allianz agency – I've had my insurance, including for my company, there for 20 years. We always reach someone, everything that can be done gets done, and we receive highly competent support on all insurance matters. Thank you to Mr Kometer, his partner and the whole team.”
“We, Böhmler Einrichtungshaus GmbH, have been working with Mr Kometer and his team across many areas of insurance for many years now. We value the clear communication, the trust and the mutual respect. We are very grateful for his consistently fast, hands-on and unbureaucratic support and help with every problem that arises, and for his competent solutions. A partnership that holds up even in challenging times – what more could you wish for.”
FAQ
Frequently asked questions about bKV and bAV.
Briefly answered, so you can quickly judge whether a benefit check is worthwhile.
What does company health insurance bring a company?
A bKV makes appreciation visible immediately. Employees receive additional health benefits, while employers can strengthen their attractiveness, retention and duty of care.
Why consider bKV and bAV together?
bKV takes effect today, bAV takes effect in the long term. This exact combination links immediate health cover with securing the future, creating a stronger benefit than an isolated single solution.
How quickly can a company get started?
That depends on the number of employees, the desired scope of cover and internal coordination. The first step is the benefit check: after that, it is clear which process is realistic and sensible.
Do all employees have to take part?
This is examined as part of the concept. Depending on the objective, budget and framework conditions, different groups or the entire workforce can be considered.
Does the advice also make sense for smaller companies?
Yes – small and medium-sized companies in particular benefit from clear, understandable benefits, because they become more visible in the competition for good employees.
What is the next step?
Book a short strategy consultation. Afterwards you will know whether bKV, bAV or a combination makes sense for your company, and which route is likely to have the greatest impact.
Cost of absence
What absence really costs.
Continued pay during sickness (Entgeltfortzahlung) is rarely more than a third to a half of the actual cost. The rest arises from cover, downtime, knock-on delays and management effort. Our own model calculation from September 2026 works through eight cost components across nine sectors — and shows the point at which company health and pension benefits pay for themselves from a business perspective.
€490 to €1,120
Full cost per day of absence, depending on sector and replacement needs.
€7,600 to €19,600
Illness-related costs per employee per year.
Factor 1.3 to 3.2
Total costs relative to continued pay alone.
around €84,000
Annual saving if a manufacturing business with 50 employees reduces days of absence by 10 per cent.
Own model calculation by Allianz General Agency Christian Kometer, based on the Federal Statistical Office (Statistisches Bundesamt), the Fehlzeiten-Report of the Scientific Institute of the AOK (WIdO) and the German Economic Institute (Institut der deutschen Wirtschaft). As of September 2026. The figures are indicative and do not replace a company-specific calculation.
Benefits Cockpit bKV & bAV · Benefits Risk Check
Do you know where your company provision has gaps?
The Benefits Cockpit bKV & bAV checks bKV, bAV, group accident insurance, health budget and health management in just a few minutes — with a Coverage Index from 0 to 100, a traffic-light rating for each module, and a projection of what the gaps cost each year.
Start the Benefits CockpitStudy: What a day of absence really costs (PDF)No registration required. The evaluation runs in your browser.
Contact
Start with a benefit check – for your company in Munich or nationwide.
Once you have completed the Benefits Cockpit bKV & bAV – our Benefits Risk Check – you will see in five minutes where your company provision stands. And if you would then like a conversation, you can book an appointment here – in person in Munich or online. One conversation is enough to turn many options into a clear direction. Allianz Christian Kometer: company health insurance advice and company pension scheme advice for companies in Munich and nationwide.
