As an HR professional, you face the challenge of offering your employees attractive benefits that are both valued and budget-friendly. Two of the most popular options are company health insurance (bKV) and flexible benefit solutions like HelloBonnie. But what if you didn't have to choose? What if you could combine both?
Company Health Insurance: The Classic Among Benefits
Company health insurance has established itself as a standard benefit in many organizations. It offers employees additional health services such as treatment by senior consultants, private hospital rooms, or extended preventive care. The major advantage: company health insurance is tax-advantaged and can be granted as a benefit in kind up to 50 euros monthly per employee.
Advantages of Company Health Insurance:
- Proven benefit with high acceptance
- Tax advantages for companies and employees
- Direct health prevention
- Long-term employee retention
Disadvantages of Company Health Insurance:
- Limited flexibility
- Not all employees use the services equally
- Fixed monthly costs, even when unused
- Limited personalization options
HelloBonnie: Where Flexibility Meets Tax Optimization
HelloBonnie offers a completely different approach: instead of fixed services, your employees receive a flexible budget they can use according to their individual needs. Everything is possible, from local shopping to entertainment to health and education offerings.
Advantages of HelloBonnie:
- Maximum flexibility and personalization
- Wide selection of categories (beauty, education, entertainment, health, etc.)
- Regional use anywhere Mastercard is accepted
- Tax-optimized up to 600 euros annually per employee
- Simple administration through the HelloBonnie dashboard
The HelloBonnie Smartcard in Detail: With the HelloBonnie Smartcard, your employees can use their budget both online and in-store. Whether at REWE, Netflix, Zalando, or the local hair salon - the card works everywhere Mastercard is accepted. Particularly practical: integration with Apple Pay and Google Pay makes usage even more convenient.
Why Not Both? The Smart Combination
Here's the good news: you don't have to choose between company health insurance and HelloBonnie. Many innovative companies are already using a combination of both benefits and profiting from the advantages of both worlds.
Scenario 1: The Base-Plus Strategy
- Company health insurance as foundation: 30-40 euros monthly for classic health insurance
- HelloBonnie as flexibility add-on: Additional 20-30 euros for individual benefits
Scenario 2: The Freedom of Choice Strategy
- Employees can decide for themselves how to split their budget between company health insurance and HelloBonnie
- Young employees often choose more flexibility, while older ones appreciate the security of health insurance
Scenario 3: The Category Complement
- Company health insurance for pure health prevention
- HelloBonnie for all other life areas: family, sports, education, entertainment
Cost Efficiency Comparison
A calculation example illustrates the attractiveness: Assuming 100 employees each receive 50 euros monthly through HelloBonnie. Total costs amount to 5,000 euros per month. In comparison, classic salary increases with an annual gross salary of 40,000 euros would cost around 11,667 euros monthly. This means savings of up to 6,667 euros per month.
This efficiency can also be utilized when combining with company health insurance: instead of financing both benefits through regular salary, you benefit from the tax advantages of both solutions.
Legal Security and Compliance
An important aspect of all benefits is legal security. HelloBonnie was developed in partnership with the renowned tax law firm Möhrle Happ Luther and recognized by the Hamburg Tax Office as a tax-compliant benefit card. You can be confident that both company health insurance and HelloBonnie comply with legal requirements.
Practical Implementation: It's That Simple
Implementing HelloBonnie alongside existing company health insurance is straightforward:
- Design benefits: Define which categories and regions should be available for your team
- Onboard employees: Simple data transfer to the HelloBonnie dashboard
- Distribute budget: Flexibly via dashboard or automated
- Start usage: Employees receive their Smartcard and can begin immediately
Conclusion: The Best of Both Worlds
The combination of company health insurance and HelloBonnie gives you the opportunity to create a comprehensive and attractive benefit package. While company health insurance handles important health prevention, HelloBonnie covers all other life areas and offers your employees the flexibility they desire.
The advantages at a glance:
- Maximum employee satisfaction through freedom of choice
- Tax optimization in both areas
- Cost efficiency compared to salary increases
- Simple administration and implementation
- Legal security through verified solutions
Would you like to learn more about how HelloBonnie can complement your existing benefit portfolio? Schedule a non-binding 15-minute conversation and let yourself be convinced by the possibilities.
