ARAG Health Insurance
About the Insurer
ARAG Health Insurance is part of the Düsseldorf-based ARAG SE Group and, through its BudgetFlex product line, offers group health insurance in two clearly differentiated plans— Komfort BL and Premium BL.
Employers choose an annual health budget ranging from €300 to €1 , 500. The Comfort Plan starts at around €10.91 per month per employee; the Premium Plan offers expanded coverage and has no sublimits—eyeglasses and professional teeth cleaning are reimbursable without limits within the budget.
The bKV plan is available for groups of 10 or more insured individuals. Additional modules are available for retirement planning, dental care, supplemental inpatient benefits, and daily sickness benefits; for families, a daily sickness benefit of €15 is provided for children.
What sets this provider apart
What sets ARAG apart:
- Premium Plan with No Sublimits: Under the Premium BL plan, vision aids and professional dental cleanings are fully reimbursable up to the plan’s budget limit—a benefit for employees with greater needs.
- Two distinct benefit tiers: Comfort and Premium at identical price points—the employer chooses between an affordable entry-level plan and expanded coverage, without a complex modular system.
- Affordable entry-level option: Starting at around €10.91 per month with the Comfort Plan.
- Daily Sickness Benefit for Children: €15 per day – additional relief for families.
- Flexibly expandable: Modules for retirement savings, dental care, inpatient coverage, and daily sickness benefits supplement the health budget.
Facts at a Glance
BudgetFlex Comfort BL / BudgetFlex Premium BL
$300 / $600 / $900 / $1,200 / $1,500
Companies with 10 or more employees that would like to choose between affordable basic coverage (Comfort) and a premium plan with no sublimits
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