Occupational health insurance – overcome prejudices and emphasize innovations
Company health insurance (BKV) still has a problem with its reputation in many companies, in two ways: Either it has no reputation at all – in other words: is largely unknown as an instrument; or it is considered a rigid human resources instrument with a high administrative burden. This image can be corrected quickly. A guest post by Daniel Schmalley, Head of Corporate Clients Competence Center at Barmenia
Occupational health insurance is less rigid and bureaucratic than its reputation would suggest. For a long time, modern bKV products have been largely self-explanatory and provide employees with flexible health care at the private patient level. In order to successfully acquire new customers, intermediaries must therefore first often clean up with old prejudices – and instead emphasize the innovations of modern bKV.
Because in recent years, a lot has changed – up to the offer of telemedicine counseling for employees, such as the exclusive service of Barmenia in collaboration with TeleClinic. This gives employees mobile access to specialist and general practitioners, around the clock via app. Mediators should point out such innovations when presenting the bKV to HR departments and board members.
The bKV has also made significant progress in terms of flexibility. For example, the modern market offers flexible vouchers rather than standardized all-inclusive contracts: employers can choose from a modular offering of general, managerial and fatigue provisions as needed. Lean processes also reduce the administrative burden on the customer to a minimum.
Declining absence – and other benefits
In general, many HR departments are not yet or only insufficiently informed about the design possibilities in the new bKV. For brokers a real opportunity, because actually pays off bKV: Better provision contributes, for example, to reduce the nationwide rising absenteeism, a day of loss companies cost on average around 300 €. And especially long-term, expensive illnesses fall – in time treated – less difficult.
Burn-outs can be significantly reduced by, for example, early detection and coaching. For example, the bKV offer already provides for employees who work healthier and longer. This value proposition should stand next to the innovations in the center of a successful bKV sales.
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