bKV Plan Finder

Key Points at a Glance

• Many collective bargaining agreements require a minimum number of employees—typically three, five, or ten—though some apply to as few as one employee.
• Annual budgets ranging from 300 to 1,500 euros per employee are common; the monthly contribution increases accordingly.
• For plans that include a premium waiver, employees who are unable to work for an extended period are exempt from paying premiums, while their coverage remains in effect.
• This selection is a preliminary screening; it is not a recommendation or advice.

Answer four questions, and you'll see the plans from our portfolio that match your criteria.

How the Rate Finder Works

The Finder filters our portfolio based on four criteria: number of employees, budget, coverage focus, and premium exemption. It then sorts the results by premium. Only plans currently available for purchase are displayed.

Minimum number of employees

The minimum number of employees is the most common exclusion criterion. Three, five, or ten employees are typical; some collective bargaining agreements apply even to a single employee. The Finder filters out agreements whose minimum number of employees exceeds your workforce size—and tells you how many there were.

The Budget

The annual budget determines the maximum amount that can be reimbursed for expenses each year. Common amounts range from 300 to 1,500 euros per employee. Those who do not want to exceed the non-cash benefit threshold of 50 euros per month will end up with a contribution of up to 600 euros per year—the budget may be higher than that, depending on the rate calculation.

Exemption from contributions

For plans that include a premium waiver, employees who are unable to work for an extended period are exempt from paying premiums, while their insurance coverage remains in effect. The premium for these plans is slightly higher than for plans without this feature.

What the list is not

This filter sorts our portfolio based on the criteria you’ve set and lists the results by premium. It is neither a recommendation nor advice: which plan is the right fit depends on your workforce, the specific scope of coverage, and the terms of the contract.

Frequently Asked Questions

At what number of employees does company health insurance become worthwhile?

Many plans require a minimum number of employees—typically three, five, or ten—though some plans apply to as few as one person. The Plan Finder filters out plans whose minimum requirement exceeds the size of your workforce.

What is a premium waiver under the bKV?

For plans that include a premium waiver, employees who are unable to work for an extended period are exempt from paying premiums, while their insurance coverage remains in effect. The premium for these plans is slightly higher than for plans without this feature.

What is the typical budget for supplementary health insurance?

Annual budgets ranging from 300 to 1,500 euros per employee are common. The budget determines the maximum amount that can be reimbursed for expenses each year; the monthly contribution increases accordingly.

Example

A company with 40 employees is looking for a health insurance plan with an annual budget of 600 euros that focuses on dental care.

• Minimum number: Collective bargaining agreements covering 50 or more employees are excluded; those covering 3, 5, or 10 employees remain.
• Budget: Plans with an annual budget of 300 euros fall below the threshold; plans with 600 euros or more remain on the list.
• Dental Focus: Sorted by reimbursement rate for dental prosthetics and teeth cleaning.
• Premium waiver: optional — it narrows the selection and slightly increases the premium.

The result is a list sorted by premium. This is not a substitute for professional advice: the most appropriate plan depends on the specific coverage details.

Data Source

The rates displayed are from the portfolio maintained by FAKTOR MENSCH , retrieved via the public rate interface. The premiums, budgets, minimum numbers, and coverage details provided by the insurers are authoritative.

Rates for which information required for a filter criterion is missing are not excluded by this filter. The Finder displays how many rates are affected.