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Preventive healthcare that adds value!

As your full-service provider for corporate health insurance, we boost your employees' health and motivation. This helps us measurably and permanently reduce sick days and make your company a more attractive place to work.

Around 700,000 open jobs
in 2024
Around 30%
of those aged 18 to 29
see corporate health insurance
as more valuable than a
pay raise
22 average
sick days
45%
of employees
find corporate health insurance more valuable
than other additional benefits
Around 65%
of employees
would welcome corporate health insurance
By 2035, around
3 million
fewer skilled workers

Overcoming challenges...

Shaping the Future with FAKTOR MENSCH

As a full-service provider, we offer a comprehensive wellness program—tailored to individual needs, delivered digitally, and with tangible benefits for employees, HR, and the entire company

We handle the entire process for corporate health insurance (bKV): from consulting, onboarding, and activation to billing and support.

The result: a lasting improvement in the health and satisfaction of all employees, reduced absenteeism, and a high level of appreciation for and loyalty to the company.

FAKTOR MENSCH active in the supplementary health insurance market as an independent specialist since 2000. With over 150 corporate clients, more than 30,000 insured employees, and satisfied customers, our track record speaks for itself!

The FAKTOR MENSCH Team

Our customers show how personalized healthcare creates lasting success!

Sina Schmidt
Executive Assistant

"For us, the bKV with FAKTOR MENSCH is FAKTOR MENSCH than just a benefit. It’s a tangible expression of our appreciation. Our employees feel that we truly care about their health, and with over 300 health benefits to choose from, they can find exactly what suits them. We were concerned that implementing the bKV would be a lot of work for us, but the opposite turned out to be true. Faktor Mensch worked closely with us from the very beginning, and getting started was very easy for our employees. A partner that really thinks along with us."

Prof. Philip Leonhard Catalá-Lehnen, M.D., Medical Director at Lans Medicum
Prof. Dr. med. Philip Leonhard Catalá-Lehnen
Medical Director

"Especially in the field of private healthcare, working with Faktor Mensch makes Faktor Mensch big difference. Thanks to our corporate health insurance plan, we can offer our employees with public health insurance benefits similar to those available to private patients. This is not only appreciated but also widely utilized, and it boosts team satisfaction."

Katip Tavan, Commercial Director at Matthäi
Katip Tavan
Commercial Director

"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."

Steffen Schumann, Executive Director of Hands for Children
Steffen Schumann
Managing Director

"Faktor Mensch our employeesFaktor Mensch tangible and lasting Faktor Mensch . Especially when dental costs are high, they feel like private patients and receive the best possible care."

Kai Kutter, CEO of Battery-Kutter
Kai Kutter
Managing Director

"Since introducing Faktor Mensch the corporate health insurance plan, we have been able to reduce sick leave at Battery-Kutter by 50% in just two years. This impressive achievement has not only boosted employee satisfaction but has also led to lasting improvements in efficiency and the work environment."

Sina Schmidt
Executive Assistant

"For us, the bKV with FAKTOR MENSCH is FAKTOR MENSCH than just a benefit. It’s a tangible expression of our appreciation. Our employees feel that we truly care about their health, and with over 300 health benefits to choose from, they can find exactly what suits them. We were concerned that implementing the bKV would be a lot of work for us, but the opposite turned out to be true. Faktor Mensch worked closely with us from the very beginning, and getting started was very easy for our employees. A partner that really thinks along with us."

Prof. Philip Leonhard Catalá-Lehnen, M.D., Medical Director at Lans Medicum
Prof. Dr. med. Philip Leonhard Catalá-Lehnen
Medical Director

"Especially in the field of private healthcare, working with Faktor Mensch makes Faktor Mensch big difference. Thanks to our corporate health insurance plan, we can offer our employees with public health insurance benefits similar to those available to private patients. This is not only appreciated but also widely utilized, and it boosts team satisfaction."

Katip Tavan, Commercial Director at Matthäi
Katip Tavan
Commercial Director

"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."

Steffen Schumann, Executive Director of Hands for Children
Steffen Schumann
Managing Director

"Faktor Mensch our employeesFaktor Mensch tangible and lasting Faktor Mensch . Especially when dental costs are high, they feel like private patients and receive the best possible care."

Kai Kutter, CEO of Battery-Kutter
Kai Kutter
Managing Director

"Since introducing Faktor Mensch the corporate health insurance plan, we have been able to reduce sick leave at Battery-Kutter by 50% in just two years. This impressive achievement has not only boosted employee satisfaction but has also led to lasting improvements in efficiency and the work environment."

Essential health benefits with corporate health insurance (bKV) - for employees and employers

Reduce absenteeism
Comprehensive benefits and health services
Preventive care
Extra health benefits from selected partners
Save money
In-depth employee analyses
Developing preventive strategies
Quarterly reports
Increase appeal
Customized intervention plans
Ongoing support
Regular feedback sessions
Advanced data analysis
Flexible Health Budget
Detailed overview of plans and benefits
No health check required
Personalized Healthcare
Dental check-ups
Vision check-ups
various preventive measures for blood tests, skin, nutrition, and other areas
Quick access to specialists
Specialist appointment service
get an appointment up to 5x faster
Caring for family and partners
Family members receive the same benefits
also no health check needed
Dental Treatment and Dentures
Dental treatment, even for damaged teeth
No health check needed
can also be added on, even if it's over budget
Vision aids and eye care
Coverage for prescribed glasses
LASIK and laser treatments covered (plan-dependent)
can also be added on, even if it's over budget

Why FAKTOR MENSCH?

We make sure your corporate health insurance (bKV) benefits really work long-term!
Achieve a successful bKV in three simple steps.

0
1
2
3
01

Personalized advice and planning

  1. Health concept goals > if needed, we'll evaluate your current company health services (SWOT analysis)
  2. Setting up your target groups and the range of benefits for your corporate health insurance > Getting all important stakeholders (like the works council) on board.
  3. Cost-effectiveness calculations and plan comparisons
  4. Choosing the most cost-effective insurer and setting your corporate health insurance budget
02

Quick, hassle-free
introduction and activation

  1. Personalized onboarding (digital and/or in-person by FAKTOR MENSCH)
  2. Informing all employees about their corporate health insurance (benefits, how to use it, billing)
  3. Engaging employees in the FAKTOR MENSCH
  4. Syncing with your HR platform or self-management
  5. Ongoing support for any corporate health insurance questions (e.g., billing, reimbursements)
03

Digital Platform and Administration

  1. A digital platform for easy and smooth collaboration
  2. Get clear insights into your corporate health insurance budget usage via the FAKTOR MENSCH App
  3. Continuous reporting through the FAKTOR MENSCH App
  4. Annual satisfaction analysis and, if needed, adjustments to boost usage and happiness

The numbers speak for FAKTOR MENSCH

178

Successful Business Clients

34739

Satisfied employees

>
70
%

Average Usage Rate

The Corporate Health Insurance Calculator

Get maximum value with corporate health insurance and budgets tailored to your needs.

Get Your Consultation

Ready to make a real difference?

We look forward to getting to know you and your company in person. Once you fill out the form, we'll get back to you right away.

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🇺🇸
  • I already have corporate health insurance through Faktor Mensch
  • I'm interested in corporate health insurance / not yet insured
Expert Partners

Your Contacts

We're not some anonymous hotline; instead, we're your personal contacts who'll take care of your needs.

Tim Bütecke
Shareholder and Managing Director
Hubertus Prinz
Sales
Simon Kassau
Sales
Florian Eisenblätter
Sales
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