Latest Insights and Strategies

High rates of sick leave in the construction and skilled trades sectors (an average of 29.5 days of absence per year) result in significant costs that traditional workplace health management measures can barely address. The bKV provides tangible relief through rapid access to specialists, a health budget, and preventive care services—without a health examination, even for older employees. The investment pays for itself after just 9.5 days of absenteeism are prevented, while also strengthening employee retention and the employer’s image.

The 2027 healthcare reform will result in higher copayments and fewer benefits for your employees. Find out now how you can use supplemental health insurance to bridge these gaps while boosting satisfaction, loyalty, and productivity within your team.

After a restructuring, the focus is usually on those who are leaving. Yet it is those who remain who must carry the turnaround—often with more work, a smaller team, and genuine fears about the future. This article explains why an employer-sponsored health insurance plan is more than just a benefit, especially at times like these.

The planned 2027 healthcare reform will result in higher premiums, fewer benefits from health insurance plans, and new rules regarding sick leave. Companies that act now can not only offset the additional costs with an employer-sponsored health insurance plan, but also turn it into a real benefit for their employees.

The EU Pay Transparency Directive requires companies to disclose their compensation structures. But those who think strategically can turn this into an advantage. In this article, you’ll learn why company-sponsored supplemental health insurance is the perfect fit for the new law and how you can combine these two elements to build a strong employer brand.

Traditional workplace health management measures, such as gym subsidies or nutritional counseling, fall short because they neither help with acute illnesses nor reach the actual at-risk groups. Supplementary health insurance (bKV) closes these gaps by giving all employees access to private medical services and has been shown to reduce absenteeism by 20–25%. This makes bKV the economic and strategic foundation of a modern workplace health management program—and pays for itself with as little as 0.5 fewer days of absence per employee per year.

Healthcare reform will result in higher premiums, higher out-of-pocket costs, and fewer benefits for both employees and employers. A company-sponsored supplemental health insurance plan (bKV) can offset these cuts while also reducing sick days and boosting employee morale. Since even a small reduction in sick days more than offsets the cost of the bKV, it is not a social benefit but a sound business investment.

That relief bonus is a nice idea, but it's just a one-off with no lasting impact. If you invest €40 a month in Corporate health insurance instead, you'll get triple the health benefits and keep your team around for the long haul.

A phrase we’ve been hearing more and more lately. It’s high time to change that. We are FAKTOR MENSCH and we stand for a new way of thinking about health in the workplace.

Germany's healthcare system is at a real crossroads. Public health insurance (GKV) is struggling with rising costs, and they're expecting a funding gap of about €4 billion by 2026.

Why corporate health insurance needs to pay off today – and it really does! Many HR managers still pitch corporate health insurance internally as just a "nice extra" – but that's a mistake.

Because appreciation only works when you can see it, understand it—and, ideally, touch it. The Welcome Box from FAKTOR MENSCH is not a gimmick. It’s a statement.

Working remotely isn't progress if mental exhaustion is ignored. Studies show: Mental strain from working at home has increased.

Artificial intelligence is rapidly transforming the world of work. But along with technological progress comes a new sense of uncertainty: What does this mean for the people in the company?

At a time when there is a shortage of skilled workers, employee well-being is becoming a critical factor in productivity and business success.

Everyone talks about teamwork. But the reality in many companies is quite different: behind the fine words lie lone wolves, political games, and silos.

Five years—that doesn't sound like much. But for us, it means countless conversations, decisions, and even some setbacks. And that is exactly what has shaped Faktor Mensch into what it is today .

Many benefits sound good—on paper. But in practice, they often fail to deliver. Corporate health insurance is different—provided it is used strategically.

A negative team atmosphere costs more than any pay raise. How a company’s culture shapes employee retention, performance, and trust.

Mental health in the workplace is becoming increasingly important. Learn how companies can support their employees through preventive measures and corporate health insurance plans.

Learn how small and medium-sized businesses can use corporate health insurance to enhance their appeal as employers and reduce absence due to illness.

Matthäi Bauunternehmen GmbH has implemented a customized corporate health insurance plan, thereby enhancing its reputation as an attractive employer. An interview with Katip Tavan, Commercial Director of the Matthäi Group.

Employee health benefits and the use of a corporate health insurance plan are key factors in enhancing an employer’s appeal. Brand expert Günter Moeller explains the benefits of a strong employer brand and how to build a relevant one.