Give the Gift of Health
A company health insurance plan provides your employees in the construction and skilled trades industries with private medical care without requiring a medical exam.
Anyone who does physical labor every day deserves the best protection. The only benefit that reaches everyone—from apprentices to foremen.
You are investing €56
Your employees will receive €1,200
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Something to unpack for each team
Give your team access to benefits that make a difference on the job site: physical therapy, massages, osteopathy, bandages, orthopedic insoles, hearing aids, eyeglasses, dentures, daily hospital allowance, appointments with medical specialists, and over 300 other benefits.
- No health questions
- No waiting times
- Family members may be included in the coverage (optional)
Faktor Mensch achieved with your company
- significantly fewer days of downtime on the construction site
- Tax- and social security-free benefits of up to €50 per employee
- real added value without extra work in the office
- an ROI of up to 4 times
- a strong argument in the battle for skilled workers
Faktor Mensch Build Your Team
- fit for physically demanding work
- are also less likely to experience long-term symptoms as they age
- No copayments for physical therapy, medical aids, and dental prosthetics
- Get well faster with appointments with specialists without long wait times
- Insured without a medical exam
How Your Team Uses the Budget—We'll Explain It to Everyone
Let your colleagues in the construction industry convince you:
"Faktor Mensch the most widely used benefit in our company. In a demanding industry like construction, our employees benefit greatly from this program, as evidenced by its high usage rates."
Because people make the difference.
* Sample plan: €28 per employee per month with an annual budget of up to €1,200. Premium for 2026 if coverage begins on November 1, 2026 (two monthly premiums = €56); premiums will be lower accordingly for later start dates. Full annual budget for 2026 varies by plan and is available with nearly all insurers. Benefits, waiting periods, and coverage for partners and children (usually at the policyholder’s own expense) vary by plan. Regular monthly premium applies starting in 2027.