bKV Quick Calculator

Four questions, one calculation: what absenteeism and employee turnover are costing you today, what a company health insurance plan costs in comparison—and at what point it pays for itself.

For anything the calculator doesn't ask you about, it uses predefined default values and displays them in the third and fourth steps. You can change any of them. It's free, requires no registration, and you don't have to provide any personal information.

This article is based on actual rates

‍Wedon't use an estimated value, but rather the median of the rates we actually negotiate based on your budget. The calculator shows how many rates it's based on—and lets you know if there are only a few.

The costs have been calculated; the benefits are based on your assumptions.

‍The cost ofthe bKV is determined by the premium, payroll overheads, and the payroll tax model. The benefits it provides depend on what you expect from it: in the fourth step, you specify by how many days of absence and by how many percentage points in employee turnover you expect it to reduce these figures. The calculator does not attribute any effect to the bKV and does not use any proven metrics—it simply calculates what your assumption would be worth if it were to come true.

The same formulas as in the individual computers

‍Thequick calculator isn't a simplified calculation—it's the same one with fewer questions. If you want to take a closer look at a number, each link below the result will take you to the corresponding calculator—with your information already entered.

Sample Calculation

A company with 100 employees pays 25 euros per person per month into a budget-based supplementary health insurance plan—within the non-taxable limit for non-cash benefits, and therefore tax-free.

• Annual bKV costs: 100 × 25 euros × 12 = 30,000 euros
• Assumption regarding employee turnover: one percentage point lower, which means one fewer departure × 36,000 euros = 36,000 euros
• Assumed absences: 0.5 days fewer × 100 employees × 262 euros = 13,100 euros
• Estimated savings: 49,100 euros

ROI: (49,100 − 30,000) ÷ 30,000 = about 64 percent. Break-even: 30,000 ÷ (49,100 ÷ 12) = about 7.3 months.

Both assumptions about the effect are given. If you halve them, you end up with a negative ROI—and that is precisely the point of this calculation.

Sample calculation provided "as is." This does not constitute tax or legal advice: Your tax advisor will determine the income tax classification in each individual case. The tax rate information reflects the current status of our tax rate database and does not constitute an offer.