The bKV Experts
Financial and insurance consulting for over 26 years
Join FAKTOR MENSCH
The FAKTOR MENSCH Network. For referrers and brokers.
Overview of benefits for employees and their families
Overview of benefits for companies
Lowest entry price starting at €5.85 | Customizable dental coverage | For groups of 3 or more | Video consultations & specialist appointments | Family coverage included
“2025 Plan of the Year” Complete | 3 Options (Smile/Fit/Complete) | North German Specialist | Independent VVaG | For groups of 3 or more
Starting at just €10.40 | Video consultations via TeleClinic | Immediate psychological support | Premium waiver included | For groups of 5 or more
Full reimbursement for naturopaths and osteopaths | Family coverage with no medical exam | Comprehensive coverage of naturopathic treatments | Specialist appointment service | For groups of 10 or more
The only digital-native private health insurance provider | DiGA reimbursement up to €200 | Vision aids up to €200 | Specialist appointment service | Startup DNA with an app-first approach
3 plan tiers to suit different needs | Vision care up to €300 | Psychological counseling included | Video consultations & specialist appointments | For groups of 3 or more (VITAL+ for groups of 20 or more)
Lowest entry price on the market starting at €7.00 | Optional premium waiver available | Referrals to top doctors | For groups of 10 or more | Family members can be included
Independent Insurance Association | Attractive mid-range price points | Premium waiver included | Simple rate structure | For groups of 5 or more
High budget up to €1,700 | Premium waiver in the event of a claim | Independent insurance company | Health insurance specialist | Flexible options with or without a premium waiver
Available for groups of 5 or more | Fully digital processing via app | No administrative burden for employers | Supplementary dental coverage of 70% or 90% can be combined | Minimal paperwork
Market leader with the highest brand awareness | Comprehensive mental health services | 24/7 digital video consultations | Flexible modular system | Premium guarantee through December 31, 2026
