More than just an employer

A battle for qualified skilled workers has erupted in the labour market: according to the German Federal Employment Agency (Bundesagentur für Arbeit), Germany will be looking for 800,000 skilled workers in future. Employers are focusing more and more on benefits in order to both retain their skilled workers in the long term and position themselves as an attractive employers for new experts. A relevant aspect for many employees when considering employers is occupational health insurance (OHI).

In 2024, the PKV Association reports a boom in growth in supplementary health insurance. 56,500 companies now offer their employees employer-financed supplementary health insurance, representing growth of 44 percent compared to the previous year. The number of insured persons has increased by 20 percent within a year. (Source: PKV statistics 2024). This development clearly shows the potential for private health insurance companies.

OHI is supplementary health insurance in the form of group insurance. The employer concludes a group contract with a private health insurance company for its employees. Having group insurance makes the premiums cheaper than those of a traditional supplementary insurance, which is usually concluded as individual insurance. OHI is either employer-financed (compulsory OHI) or employee-financed (optional OHI).

OHI doesn’t just offer added values for insurers, but for policyholders and their employers, too. The most important added values include:

Insurer

• New sales opportunity by offering group contracts
• Increase in acquisition potential by insuring dependants
• Potentially higher degree of automation

Policyholder

• Sensible supplement to statutory and private health care
• No health checks, waiting periods or benefit exclusions
• Coverage of pre-existing conditions and even ongoing or planned treatments

Employer

• Selling point for employee recruitment and retention
• Contribution can be claimed against tax
• Improved employee benefits reduce absences

A lot of employees have OHI due to the comparatively favourable conditions of the policies and the fact that it’s financed by the employer. What’s more, OHI can also be offered to relatives. This opens up cross-selling and up-selling opportunities for private health insurance companies, which then creates new sales channels and acquisition potential for them.

OHI rates are offered under particularly favourable conditions. In order for these rates to be profitable for private health insurance companies, a high degree of automated processing is necessary.

In an initial exchange, we present our ideas for the functionalities of a bKV platform from various perspectives. This is followed by an analysis of the current processes and the definition of the target vision for the mapping of your bKV. We then formulate your requirements and the process optimizations you are aiming for and plan the implementation of your bKV platform in your IT system. adesso experts with many years of experience in healthcare, specializing in bKV, are available to answer your questions.

• Dedicated insurance team with experienced employees from the IT sector
• Profound knowledge of OHI portfolio systems and processes
• Dark processing-enabled complete solution
• Extensive expertise in introducing and implementing OHI

Based on current developments in the growing market for supplementary health insurance, we support pension insurance funds in implementing a user-friendly and efficient supplementary health insurance platform. Our goal is to automate processing as much as possible and transfer it to a dark process to the greatest extent possible. At the same time, insured persons, employers, and employees in administration and sales should be offered as much convenience as possible. In a two-day workshop, we work with you to develop a catalog of requirements, including priorities for implementation. As a result, you receive concrete recommendations for action and a step-by-step plan to optimally prepare your IT landscape for your future company health insurance offering.

We look forward to your enquiry.