A Closer Look at Rates
bKV Comfort (without premium waiver)
Updated on:
12.10.2026
4289
per month / employee
Services in Detail
Master Data
Insurer
Bavarian Insurance Chamber
Monthly contribution
4289
Annual Budget
Minimum number of employees
from
10
Employees
Start During the Year
Supplementary Budget for Dental Treatment
Supplementary Budget for Vision Aids
Exemption from contributions
Exemption from contributions
No
For sick leave of 6 weeks or more
During parental leave
Family Care
In the event of a leave of absence
Vision Aids
Vision aids put a strain on the budget
LASIK
No
Tooth
Dental Treatments
Reimbursement for Dental Prosthetics
%
Professional Teeth Cleaning
No
Teeth whitening included
No
Statutory Health Insurance (GKV) Obligation to Provide Advance Payment
No
Medical Devices and Aids
Resources
The bKV Comfort tariff (BKV 3) reimburses medical aids (excluding vision aids and hearing aids) prescribed by doctors following an accident, provided they serve the direct purpose of post-accident treatment. Medical aids prescribed by doctors in other cases or by alternative practitioners are also reimbursable.
Hearing aids included
- including repairs
No
No
Osteopathy
No
Prevention Courses
No
Medicines and Medical Supplies
Medications and dressings are reimbursed if they are prescribed in writing by a naturopathic practitioner or physician specializing in natural healing methods as part of a treatment or if they are used during treatment. Costs are reimbursed at 50% up to a total reimbursable amount of €1,500 within a calendar year.
Additional Services
Digital Health Applications
No
Invoicing App
Online Dermatologist
No
Medical Hotline
Symptom Checker
No
Video consultations with doctors
Yes, telemedicine services such as digital consultations and a digital dermatologist are offered as part of "Unsere ServiceWelt." These digital services provide easy access to online consultations and the assessment of skin changes via an app.
Family Insurance
Insurance for Family Members
Possible
Model
Employees must register their family members individually by the deadline.
Costs are around
Employee
Registration deadline in months after enrollment
6
Get Your Consultation
Ready to make a real difference?
We look forward to getting to know you and your company in person. Once you fill out the form, we'll get back to you right away.