Company employee protection
Employees are the backbone of every successful company. With company employee benefits, you not only offer security and valuable perks, but also boost your team’s motivation and loyalty. This helps you build a solid foundation for long-term success while making yourself more attractive as an employer.
Company-organised health insurance
Employees with statutory health insurance receive additional benefits through employer-financed group tariffs that are often not available with individual contracts, such as supplementary inpatient or dental insurance. This allows you, as an employer, to increase your attractiveness and close any gaps in coverage. A simplified or waived health examination procedure also enables employees and their families to benefit from comprehensive insurance cover. If an employee leaves the company, the policy can simply be continued at the standard rate.
Examples
Hospital stay
An employee had to be treated in a specialist clinic due to a serious illness. Thanks to the company’s supplementary health insurance, he was given accommodation in a single room and private medical treatment. The additional costs were covered, allowing him to concentrate on his recovery in peace.
Dental implants and prophylaxis
An employee required several dental implants. The health insurance fund only covered part of the costs, but the supplementary dental insurance under the company group tariff covered most of the remaining expenses. At the same time, she benefited from additional preventive care services.
Additional outpatient services
An employee used supplementary outpatient insurance for physiotherapy after injuring himself in a sports accident. This significantly reduced the costs of treatments that were not covered by standard care.
Company pension scheme
In addition to the statutory pension, occupational pension schemes are becoming increasingly important. Every employee has a legal right to be covered by their employer in the event of old age, disability and/or death.
The specific structure is determined by the chosen implementation method (direct insurance, pension fund, relief fund, pension scheme or direct commitment) and the financing (employer-financed, mixed financing or deferred compensation).
Frequently asked
What are the benefits of a company pension scheme for my business?
A company pension scheme increases your attractiveness as an employer, retains qualified specialists in the long term and offers real added value. In addition, both companies and employees benefit from tax advantages and social security relief.
Am I obliged to offer occupational pension schemes for my employees?
Employees are entitled to deferred compensation. This means that you must offer a company pension scheme. You can decide for yourself which implementation method you use and whether you contribute to the scheme.
How complex is it to introduce a company pension scheme in my business?
The administrative effort involved is manageable, especially if you have an experienced partner at your side. Together, you can select a suitable model and implementation methods so that you can provide your employees with straightforward and efficient protection.
Company group accident insurance
Even with the utmost care, accidents cannot always be avoided, and statutory accident insurance only covers work-related risks. With company group accident insurance, however, you can offer your employees comprehensive protection – worldwide and around the clock, if desired. In addition to disability and death benefits, daily allowance options and guest accident insurance are also available. Since many accidents occur in the private sphere, your employees benefit from an extended safety package. Employer-financed contributions also offer tax advantages and make your company even more attractive as an employer.
Examples of damage
Fall during leisure time
An employee slips while jogging in the park and suffers a complicated ankle fracture. As the group accident insurance covers more than just occupational accidents, it covers most of the medical treatment costs and provides disability benefits for any permanent damage.
Traffic accident on the way to work
An employee collides with another road user’s car while driving to work. The insurance company pays daily allowances and, in the event of permanent damage, provides disability compensation – regardless of who is at fault.
Injury at a company event
During a company outing, an employee falls and injures his back. Group accident insurance covers the costs of necessary therapy and provides disability benefits, ensuring that the employee receives the best possible support.
Company occupational disability insurance
Labour is the most valuable asset of every employee. With occupational disability insurance, you can protect your team from the financial consequences of being unable to work due to illness or accident. Employers can thus make an important contribution to securing their employees’ livelihoods while also increasing their attractiveness – because this type of cover is one of the most sought-after benefits in everyday working life. Thanks to flexible options, occupational disability insurance can be optimally tailored to the needs of your company and your employees.
Examples of damage
Chronic back problems
An employee suffers from persistent back pain and is no longer able to perform her job. Occupational disability insurance cushions the loss of income and provides financial stability during the recovery phase or a career change.
Burnout due to high workload
An employee suffers from burnout and is unable to work for an indefinite period. Thanks to the company’s occupational disability insurance, he receives financial benefits that secure his livelihood and enable him to undergo rehabilitation without stress.
Accident with permanent impairment
An employee suffers a serious accident that results in long-term physical limitations. The insurance benefit ensures that necessary adjustments to everyday life as well as medical treatment or aids can be financed without the employee falling into financial hardship.
