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bKV FAQ
Is there supplementary health insurance counseling available in Hamburg?

Is there supplementary health insurance counseling available in Hamburg?

FAKTOR MENSCH is a partner specializing in employer-sponsored health insurance, based in Hamburg. For companies in the Hamburg metropolitan area, this means having a local point of contact who understands small and medium-sized businesses in northern Germany and their unique characteristics.

Why a Local Focus Matters for Supplementary Health Insurance

Supplementary health insurance (bKV) itself can be purchased nationwide through the same insurers—a company in Hamburg has access to the same rates as one in Bavaria. The difference lies in the level of support: personalized advice, an understanding of regional industry structures, and the ability to meet in person are especially valuable during the initial setup.

FAKTOR MENSCH in Hamburg

Our office is located at Willy-Brandt-Straße 67, right in the heart of downtown Hamburg. We serve companies from across the entire metropolitan region—from the port industry to retail and logistics companies, as well as creative, consulting, and tech firms.

What We Do for Hamburg-Based Companies

  • Initial in-person or virtual consultation
  • A selection of plans from over 10 insurers, tailored to your workforce profile and budget
  • Fully digital management via the FAKTOR-MENSCH platform
  • Employee Engagement with Measurable Usage Rates
  • GDPR-compliant data processing, hosted in Germany

Relation to an Insurer in Northern Germany

Some of our partners have roots in northern Germany themselves—such as HanseMerkur, a Hamburg-based health insurance specialist, and Landeskrankenhilfe (LKH), a northern German provider specializing in the 2025 plan. For Hamburg-based companies seeking a regional connection, this is an added bonus—but what remains crucial is that the plan fits the workforce profile, not the insurer’s headquarters.

Who We Are

FAKTOR MENSCH is part of the HFH Group, which has been active in financial and insurance consulting for over 26 years. This foundation combines the agility of a specialized supplemental health insurance provider with the experience of an established consulting group.

How Hamburg-Based Companies Get Started

The process begins with a no-obligation consultation—either in person in downtown Hamburg or online. During this consultation, we discuss your workforce structure, budget, and goals, and use this information to develop a rate proposal. It typically takes 2 to 4 weeks from the time you make a decision until your insurance coverage takes effect.

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More Questions from the bKV FAQ

What is a company health insurance plan (bKV)?
Employer-sponsored health insurance (bKV) is a supplementary insurance plan funded by the employer for employees covered by statutory health insurance. It covers services that statutory health insurance (GKV) does not reimburse, or only reimburses to a limited extent—such as dental prosthetics, eyeglasses, alternative practitioners, or advanced preventive care. Up to 50 euros per month, it is exempt from taxes and social security contributions.
See the full answer
How quickly can a supplementary health insurance plan be implemented?
It typically takes 2 to 4 weeks from the decision to the start of active insurance coverage. Employees can often access benefits as early as the first day of coverage—without a medical exam or waiting period. More complex situations (multiple rate groups, works council approval) can extend the process to 6 to 8 weeks.
See the full answer
Is supplemental health insurance worth it for small businesses?
Yes. Supplementary health insurance (bKV) is available for companies with as few as three employees and is an effective recruiting tool, especially for small businesses. Its tax efficiency (up to about twice as effective as a salary increase), minimal administrative burden, and proven ability to retain employees also make it attractive for SMEs.
See the full answer
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