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msg.Tax Data – private medical insurance certification process

Solution for automating the certification process for wage tax deduction features in private compulsory health and care insurance

With the Annual Tax Act 2020, the government issued a formal decision to introduce a new reporting procedure for companies in the private compulsory health and care insurance sector. The previous paper-based certification procedures for the tax-free allowance and for the calculation of income tax will be replaced by a computerised process in order to reduce the workload for private health insurance companies, employers and employees. To this end, a comprehensive data exchange between private compulsory health and care insurance companies, the tax authorities and employers will be introduced.

The new procedure uses the existing data infrastructure and the proven procedure for electronic wage tax deduction features (ELStAM process). It completely replaces the procedure using paper certificates and will be compulsory for all companies from January 2024 following a pilot phase.

As part of the procedure, the data relevant to the following year for the calculation of the tax-free employer’s allowance and the partial amount ‘compulsory health/care insurance’ of the lump-sum provision must be submitted to BZSt by 20 November of each year. In the case of premium changes during the year, the changed data must also be transmitted to the BZSt at the same time as the policyholder is notified of the fixed premium change.

msg life has extensive experience with similar reporting procedures and has a tried-and-tested BZSt connection with which extensive tests can be carried out under real conditions even before the software is delivered. Based on this, the new reporting procedure will be implemented completely and on schedule in the standard software component msg.Tax Data – private medical insurance certification process. All legally required processes and messages can be carried out completely in background processing, so that manual processing is generally not necessary. Any necessary manual corrections can be made conveniently at any time via the user interface.

msg.Tax Data – private medical insurance certification process provides private medical insurance companies with a complete solution for all reporting obligations to the ZfA and BZSt in a single, modern software component. You too can benefit cost-effectively from our many years of experience in implementing regulatory requirements.


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Standard software

Future-proof and safe investment through continuous technical and professional development of the standard software.

Process automation

The extensive automation of all business processes provides you with a clear advantage in everyday clerical work.

Cost sharing

Within the framework of regular release updates, you too can benefit cost-effectively from centralised developments of our standard software by distributing expenses among a purchasing organisation.

Flexible product design

The solution can be easily embedded in existing applications. Flexible interfaces and documented integration patterns enable a prompt integration into existing system landscapes, thus ensuring a quick implementation of the standard software.

Modern technology

Our standardised, service-oriented system architecture ensures you can work with virtually any platform. The application can be integrated separately into other system processes. Clerical work efficiency is supported by a graphic user interface.

Ready for Cloud/SaaS

The software solution is also available via a private cloud. msg life provides the application software in a computing centre and takes care of maintenance, modifications in line with regulatory requirements and technical operations. The service level, including flexible financing and payment models, can be adapted to the respective needs.

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Your advantages
  • Automation of the registration procedure for the certification of the tax-free subsidy as well as for the calculation of income tax in private compulsory health and care insurance
  • Notification to the BZSt in the prescribed ELStAM process
  • Regulatory compliance in standard projects – on time, completely and cost-effectively
  • Save money as development costs are spread over a group purchasing organisation
  • Numerous plausibility checks for great process security
  • Integrated process control
  • Rapid deployment thanks to standardised, tried-and-tested procedures and flexible configuration options
  • Low integration costs thanks to component architecture, flexible technical mechanisms for system integration and predefined standard interfaces
  • Compatible with various technical platforms (Windows, LINUX)
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