The extra employees actually feel.
A pay rise fizzles out in the account. A health budget is tangible every month: at the dentist, the optician, the check-up.
77% only work to rule (Gallup 2025)
30 minutes · no obligation · no health check in the group plan
Health budget · employee view
Example- Dental cleaning and dentures
- Glasses and vision aids
- Prevention and check-ups
€35
You pay as employer
≈ €100
Employee feels
Worked example, depending on tariff and setup. We show the exact figures in the meeting.
Statutory cover shrinks, costs rise.
That's exactly the gap your team falls into for dental, vision and prevention. bKV closes it, affordable as a group.
The gap widens: costs rise while statutory cover falls. bKV closes the growing gap, dental, vision aids, check-ups and more.
What you get as the employer.
Employees stay
A tangible benefit lowers turnover, especially with contested skilled staff.
Fewer absences
Better care means off less often and for less time.
Cheaper than gross pay
Depending on the setup, tax-friendlier as a benefit in kind than a pay rise.
Three steps to the health budget.
- 1Choose the packageBenefits that fit team and budget.
- 2Enrol the teamIn the group plan usually without health questions.
- 3Go liveWe handle setup and communication to the team.
Frequently asked questions about bKV
Do employees answer health questions?
In a group contract usually not, a major advantage of bKV.
What does bKV cost?
Even small monthly premiums per employee enable noticeable benefits.
Is bKV tax-advantaged?
Depending on the structure as a benefit in kind, we advise on the optimal option.
Give your team the extra they feel
We find the right package, free advice. Your competitors already advertise with benefits.