Management
You see the total costs, but not where avoidable employer contributions arise day to day.
Cut payroll costs. Strengthen employees.
persodesk optimizes health insurer and insurance costs and automates seasonal worker and bKV processes on one platform, with less admin work for HR.
Example view with fictional data.
Employer view
Good morning, Lea.
- Potential per year
- €184,200
- currently identified
Solutions at a glance
Live status of all connected processes
Two views, one dataset
Employee view
9:41
- €0 for employers
- Neutral & GDPR-compliant
- Hosting in DE/EU & a secure start
90+
Health insurers
Full market comparison
230+
Rate combinations
From levies and additional contributions
100%
Free of charge
For employers, no follow-up costs
80%
Time saved
Less HR effort per process
4
Solutions
One platform, one data core
Partner insurers
Awards & competitions
Payroll costs rarely rise because of one big mistake.
They rise a little every day, because information is missing, decisions are made too late and savings potential gets stuck between HR, the workforce and payroll.
From a blind spot
to an ongoing cost factor
- 1
Information is missing
Insurer contributions, statuses and documents are scattered.
- 2
Decisions come too late
Savings potential stays invisible in day-to-day operations.
- 3
Payroll costs keep running
Only payroll reveals what could have been managed beforehand.
The problem scales with you
Small and mid-sized companies often lack the time. In large corporations, complexity grows. The cause stays the same: costs are explained in hindsight instead of managed early.
The same problem from three perspectives
HR & specialist users
You manage changes, queries and lists by hand, while there is no time left for active cost control.
Agriculture & seasonal work
Many new hires in a short time make missing data and unclear insurance status expensive right away.
To lower payroll costs, you have to spot deviations before they show up in payroll.
How persodesk creates clarityThree core modules for lower costs and less HR effort.
What makes it different: HR and employees work in their own views on the same data. Processes keep running automatically, without duplicate data entry or insight into sensitive decisions.
- No duplicate data entry
- Decisions stay private
- Status synced automatically
Explore modules
Interactive product view
Employers and employees: connected live
Example view with fictional data.
Employer view
Total savings potential
aggregated onlySavings per year (94 employees)
€184,200
94
Active
73
Checking
31
Ready to switch
Participation rate78%
in sync
Employee view
9:41
The persodesk difference
Two views, one dataset
HR manages the process. Personal decisions stay with employees alone.
Enter data only once
Changes flow through every connected process
Privacy stays protected
HR sees the status, but no sensitive individual decision
Automatically up to date
Both views always work on the same data
Achieve GKV savings. Fund your bKV for less.
Through the GKV comparison, employees voluntarily switch to a suitable health insurer. The resulting employer savings can reduce the effective cost of bKV automation.
GKV comparison
The savings come from actual switches.
For this example, we assume a switching rate of 20% of the workforce. Savings are only counted for employees who actually switch.
Example assumption20% switching rate × €350 savings
bKV automation
The health benefit effectively costs less.
In this example, a bKV plan with a €600 health budget costs €23 per employee per month. The GKV savings are set against this premium.
bKV example€600 budget for €23 a month
Example for 100 employees
View the full calculation example- 20% switching rate
- 20
- of 100 employees switch
- Annual GKV savings
- €7,000
- 20 switches × €350
- Total bKV cost
- €27,600
- 100 × €23 × 12 months
- Effective bKV cost
- €17.17
- per head per month instead of €23
€23.00 bKV premium − €7.83 pro-rata GKV savings = €17.17 effective monthly cost
Simplified example calculation for guidance. Actual results depend on the workforce, choice of insurer, switching rate and chosen bKV plan.
Start pragmatically. Automate later.
Data paths in persodesk. Data comes in once and becomes usable for every module. No IT project needed.
Company data
Modules & reports
Self-onboarding
Employees enter their own data
CSV / Excel
From HR, payroll or lists
Manual entry
One by one or in groups
API / HR systems
Automated when ready
persodesk
Hub
Maintained once,
used many times.
Master data
NameGKVSalaryGroupPlan
GKV comparison
Insurers & levies
bKV automation
Benefits & reports
Seasonal onboarding
Manage seasonal workers
Reports & status
Platform feature
Start even without an API: CSV or Excel is enough. Automation follows when you are ready.
Clear processes. Clear roles.
Trust comes from everyone knowing what they do. In persodesk, every role has a clearly defined task, from the employer to the tax advisor.
HR & employers
Start processes and keep track without having to follow up on every case themselves.
Employees
Decide voluntarily and transparently, and enter their own data with guidance in their language.
persodesk
Guides through every step, checks for completeness and prepares notifications properly.
Tax advisor & payroll
Receive structured reports automatically, without queries or scattered lists.
GDPR & DPA, hosting in DE/EUNeutral comparison: recommendations follow the data, not commissions.
All modules compared
Decision aid: Three core modules on one platform. Find the right solution for your needs.
Open comparison
All modules compared
Decision aid: Three core modules on one platform. Find the right solution for your needs.
Start with one. Grow together.
Use exactly the module that fits today, or combine several solutions on one platform.
| Decision criterion | GKV comparisonincl. optional PKV check | bKV automation | Seasonal onboarding |
|---|---|---|---|
| Right for you if … | you want to lower health insurance and levy costs and offer employees a simple comparison. | you want to offer a bKV as a strong benefit without ongoing manual HR work. | you want to register many seasonal or harvest workers quickly, completely and securely. |
| Concrete result | Individual savings potential and a transparent insurer comparison for employees. | New hires and leavers stay up to date; employees use their health benefit on their own. | Complete registration data, digital registration and a clean handover to the tax advisor. |
| What gets automated? | Comparison, digital switching process and status, including a levy review on request. | New hires and leavers, plus reporting to the insurer when an HR data source is connected. | Data checks, missing documents, insurance route, registration and data handover. |
| Employee experience | Compare insurers and choose a suitable option digitally. | See their budget in the insurer’s app and submit invoices there. | Easily add missing details and documents via self-onboarding. |
| What data does HR see? | HR sees the process status, but not anyone’s personal choice of insurer. | HR sees the administrative status, but no medical invoices or diagnoses. | HR sees the data required for registration, documents and payroll. |
| Data connection & getting started | Simply start via a link; can be integrated into existing processes on request. | Connection to your existing HR system or a suitable data source. | Manually, via CSV/list, API or self-onboarding. |
| Cost for employers | persodesk is free of charge. | persodesk is free of charge; bKV premiums depend on the provider and the chosen plan. | persodesk is free of charge. |
| Data protection & hosting | GDPR compliant, hosting in Germany and the EU, DPA in place. | GDPR compliant, hosting in Germany and the EU, DPA in place. | GDPR compliant, hosting in Germany and the EU, DPA in place. |
| Learn more | Check savings potential | View bKV automation | View the seasonal process |
Add-on option
Optional in the GKV process: check PKV potential
For employees above the annual income threshold, a voluntary and discreet check can show whether private health insurance is an option in principle. This can mean savings potential of over €2,000 a year. The personal result stays with the employee.
Check PKV potentialStill unsure which module fits?
In 15 minutes, we assess your potential concretely and without obligation.
- Start free of charge
- GDPR & DPA
- Hosting in DE & EU
General
Is persodesk really free of charge? What’s the catch?
There isn’t one. persodesk costs companies €0, permanently: no license fees, no hidden costs, no commissions at your employees’ expense. The platform is funded through partnerships with health insurers and bKV providers: they pay for the platform when employees switch to them or take out a bKV. You as the employer pay nothing.
Do the insurer partnerships influence the comparison? Do we only see insurers that pay?
No. The comparison is neutral: persodesk shows every relevant health insurer where an improvement is possible. This includes more than just partner insurers. The recommendation follows only the employee’s data (additional contribution, benefits, levy rates), never our partner commissions. The order reflects the actual advantage for each person, and every switch remains voluntary.
How quickly can I get started?
You can get started in under 5 minutes. Employees are added via link, CSV upload, API or manually. persodesk then guides you step by step through the GKV comparison, seasonal onboarding and bKV reporting. No IT project, no training.
Can I integrate persodesk with my existing HR systems?
Yes. Data can be connected via CSV upload, API or manually. New hires and leavers are detected automatically and reported to the bKV provider. Structured export reports are available for tax advisors and payroll.
Modules: GKV, bKV & seasonal work
How can the GKV comparison help you save?
By comparing 90+ health insurers and more than 230 levy combinations (U1/U2), persodesk uncovers hidden savings potential. With 30 employees, savings of around €14,100 a year are possible on average. The exact amount depends on your current insurer mix and levy rate. In the initial consultation, we calculate your individual figure.
What is a bKV, and which companies is it worthwhile for?
Company health insurance (bKV) is a health budget that employers give their employees on top of statutory health insurance. Typically €300-600 a year for dental care, eyewear, preventive care or naturopaths. It pays off from around 5 employees and can often be introduced at no net cost thanks to the GKV savings.
Do employees have to switch health insurers?
No. Switching is always voluntary and entirely up to the employee. persodesk transparently shows suitable options and prepares a possible switch digitally. Each person makes the decision themselves, without pressure from the employer.
Data protection & security
Who sees which data? Can HR see individual decisions?
No. An employee’s GKV decision is not visible to HR. Only aggregated participation rates are shown. For the bKV, HR sees whether someone participates, but no claims or diagnoses. All access is recorded in an audit log. Role permissions ensure that each party sees only what it is allowed to see.
Where is my data hosted and stored?
persodesk uses hosting infrastructure in Germany and within the EU. Personal data is processed exclusively within European jurisdiction. Connections and stored data are encrypted.
Is the platform GDPR compliant? Is there a DPA?
Yes. persodesk is GDPR compliant. A data processing agreement (DPA) is in place and is provided to companies that use the platform. Hosting and data processing take place in Germany and within the EU.
How is sensitive health data protected in the bKV?
Health-related data is handled with particular strictness: claims, diagnoses or invoices are never visible to the employer at any time. HR only sees the participation status needed to report correctly to the bKV provider. Sensitive information stays between the employee and the insurer.
What happens to the data of former employees?
Data is stored only as long as required for the respective processing and statutory retention obligations. Once these periods expire, personal data is deleted. The retention and deletion periods are documented in the existing DPA.
We'll show you your potential: concrete and with no obligation.
Tell us briefly about your situation. That way we can prepare the call and start straight away with real numbers.
Curious?
No sales pressure, no small print. We analyze your situation and show whether persodesk pays off for you, and by how much.
What to expect
- 15-minute call
- GDPR & DPA
- Hosting in DE & EU
By submitting, you agree to the processing of your data in accordance with our privacy policy. We will provide you with our existing DPA (data processing agreement) for using persodesk.