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By taking advantage of tax benefits and subsidies, your pension program generates returns comparable to an ETF savings plan.
The insurance partners you have selected guarantee comprehensive protection for your employees' invested capital.
Not only do you offer your employees a benefit that they appreciate, but also benefit from fewer absences and increased productivity.
Invoices can be easily submitted via the employee app and are quickly refunded.
Statistically speaking, every fourth person becomes either permanently or temporarily unable to work in the course of their working life.
With collective insurance, all employees benefit from more attractive group conditions, in contrast to individual private insurance.














































































The Degura Pension Cloud is your central platform for the complete digital management of company pension plans — including BKV and BBu. All bAV processes are bundled in one system: from set-up to employee advice to ongoing contract management. HR thus regains up to 80% of administrative time and yet maintains full transparency over all cases.
The Degura app is the personal “pension guide” for your employees. The app gives them a simple overview of their BAV contracts, can submit changes digitally and take advantage of individual offers and online advice — without any paperwork. This reduces inquiries to HR, increases understanding of your own pension provision and increases the appreciation of your benefits offer.
The Pension Cloud is designed as a cloud solution and can be connected to common HR systems such as Personio and other HRIS. Employee data is automatically synchronized, and onboarding and offboarding run largely in the background, without additional Excel lists or duplicate maintenance. This means that the solution is ready for use in a short time and your HR team immediately benefits from lean, consistent processes.
Yes Degura uses a cloud-first architecture with servers located in Germany or the EU and high data protection standards. Pension Cloud is 100% GDPR-compliant and ensures legally secure processes for existing and new contracts — including audit-proof documentation. This reduces liability risks and allows you to transparently document your pension plan to employees and the works council.
Mit Degura bündelst du alle Aktivitäten rund um die bAV auf einer Plattform: vom Setup über die Beratung deiner Mitarbeitenden bis hin zum laufenden Vertrags- und Bestandsmanagement. Die Pension Cloud übernimmt die zentrale Steuerung und Kommunikation rund um die bAV, während die Degura App den direkten Draht zu deinen Mitarbeitenden bildet. So reduzierst du Schnittstellen, vereinfachst die Zusammenarbeit mit Versicherern und machst eure betriebliche Vorsorge zukunftssicher digital.