NewGKV comparison with savings potential is now available.
persodeskSimple. Digital. Transparent.

More health.
As a benefit that counts.

Employees get dental, vision aids, preventive care and more directly from the insurer, with no effort for HR.

Free initial consultationHow it works

Dental health

Dental

Up to 100%depending on the plan

Prophylaxis, dental prosthetics and professional teeth cleaning.

One of the most used benefit areas. Handled directly through the insurer's app, without involving HR.

Invoices and claims are handled directly through the insurer's app. HR receives no diagnoses or invoices.

  • No health assessment
  • Can count as a benefit in kind
  • HR stays out of claims
Company health insurance (bKV)

A health benefit that really resonates in everyday life.

Statutory health insurance (GKV) remains the foundation. A bKV adds extra health benefits: easy to understand, valuable, and without HR seeing treatments or invoices.

  • Adds to existing coverage

    For example dental, vision aids, preventive care, physiotherapy or other services covered by the plan.

  • Felt as real personal value

    The value becomes visible as soon as a specific health service is needed or an invoice is submitted.

  • Can reach far more people

    Many group plans accept members without an individual health assessment.

Access possible even with pre-existing conditions

Group plans often accept members without an individual health assessment, including employees who would struggle to get an individual policy.

The insurer provides the benefits. persodesk handles the administrative process.

Enrollment changes are recorded centrally, reviewed and prepared for reporting to the insurer.

All details on plans, premiums and benefits are examples. The actual design depends on the chosen insurer and plan. persodesk does not broker insurance products.

What HR manages. What employees use.

For HR teams. persodesk automates the administration between your HR system and the insurer. Employees use their health benefits directly through the insurer.

HR systemCSV / APIpersodeskAutomatic reconciliationInsurerMonthly reportFully automatic

Employer and HRManaged in persodesk

Set up. Review. Done.

persodesk dashboard

HR sets up the bKV once. After that, persodesk detects changes and prepares the monthly report.

Example view with fictional data.

1
Connect data

Employee data is passed to persodesk via API or CSV.

persodeskbKV
March 2026
HR systemvia API
CSV importUpload
persodesk

Transferring employee data securely…

Set up, review, done. The rest runs automatically.

persodesk detects changes on its own and prepares every monthly report. HR just confirms.

No diagnoses. No invoices.

For employeesUsed through the insurer

Use benefits directly.

Insurer's app

Employees see their budget, submit invoices and get reimbursed directly through the insurer.

Example view with fictional data.

1
1. Employer activates the bKV

HR activates company health insurance for employees.

9:41

Health app

from your insurer

Activating bKV

Your employer is unlocking your health budget.

Activation in progress…
Your budgetactive

€600

of €600 available

Submit invoice

Teeth cleaning: Receipt.pdf

− €180

€180 will be reimbursed directly to you.

HR receives no invoices or health details.

Claims are handled entirely between employees and the insurer.

The insurer handles the benefits. persodesk handles the administration.

The result is a strong health benefit, without a new manual HR process.

How to get started

  1. 1

    Choose a bKV plan

    Together, we set the budget level and plan to suit your company.

  2. 2

    Create the benefit policy

    The legally sound basis is prepared together and coordinated by persodesk.

  3. 3

    Introduce it to employees

    persodesk helps with communication and rollout, so employees understand their benefit and actively use it.

Discover bKV automation

Achieve GKV savings. Fund your bKV for less.

Two modules. One shared economic effect. 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

With 20 actual switches, the resulting savings are spread across the whole workforce and the bKV premium.

20% switching rate20of 100 employees switch
annual GKV savings€7,00020 switches × €350
Total bKV cost€27,600100 × €23 × 12 months
effective bKV cost€17.17for each employee per month instead of €23

€23.00 bKV premium − €7.83 pro-rata GKV savings = €17.17 effective monthly cost

Simplified example calculation. The switching rate and savings per switch are not guaranteed. Actual results depend on factors including the workforce, choice of health insurer, actual switches, relevant levy combinations and the chosen bKV plan.

Budget & entry level

Which budget is right for you?

bKV is not a one-size-fits-all product. Choose an entry level that fits your workforce and your budget. persodesk supports you from the decision through to day-to-day operation.

Starter

€300

per employee / year

A visible benefit that resonates.

A first signal to your workforce, without straining the budget.

  • Dentist & prophylaxis
  • Vision aids
  • Basic preventive care
Discuss the right plan

Standard

Most popular

€600

per employee / year

The easiest benefit to communicate.

Well positioned in recruiting, and internally a clear sign of appreciation.

  • Dentist & dental prosthetics
  • Vision aids
  • Preventive care & check-ups
  • Alternative practitioners
Discuss the right plan

Premium

€900+

per employee / year

Maximum impact in the competition for talent.

For companies that want to lead when benefits are compared.

  • All Standard benefits
  • Mental health
  • Telemedicine & services
  • Optional: cover your family too
Discuss the right plan

Budgets are guide values. The exact design depends on the insurer, the plan and your company's situation. persodesk advises you free of charge.

Your questions about bKV.

What does a bKV cost the employer?

Depending on the plan, between €25 and €60 per employee per month. Thanks to the GKV savings (additional contribution + U1/U2 optimization), the bKV is cost-neutral or even cheaper than before for many companies.

Do I have to offer the bKV to all employees?

No. You can define groups, for example only full-time positions, only certain locations or everyone with at least 6 months of service. Equal treatment applies within a group.

What happens when an employee leaves?

persodesk detects the departure automatically and reports it to the insurer. No manual follow-up, no lost notifications.

Does HR see which benefits an employee uses?

No. Billing runs directly between the employee and the insurer. HR only sees whether someone participates in the program, but no diagnoses or invoices.

How long does the rollout take?

Usually 4-6 weeks from the first conversation to active participation. persodesk supports you through the entire process.

How is it different from a company pension plan (bAV)?

The bAV is a retirement savings model. The bKV is a health benefit with an immediate impact that employees use in the current year. That makes it much more tangible and direct in everyday working life.

See bKV automation live.

In 15 minutes, we show you how to turn saved non-wage labor costs into a real health benefit: with administration, communication and reporting, but without extra work for HR.

Free initial consultation