HUK-COBURG
About the Insurer
HUK-COBURG Health Insurance is part of the HUK-COBURG Group, Germany's largest auto insurer, and offers its employer-sponsored health insurance as a modular plan — not as a flat-rate plan.
Employers can choose from six modules: outpatient preventive care (one preventive checkup per year), dental prosthetics and dental treatment (up to 100%), inpatient services (private patient status with free choice of hospital, single or double room, attending physician), outpatient services (including naturopathic treatments up to €800 annually), daily sickness benefits, and affordable follow-up plans upon retirement or when changing employers.
HUK-COBURG advertises one of the lowest administrative expense ratios on the market. Since it offers fixed benefit modules rather than a flexible health budget, this plan is not directly comparable to the budget plans included in this comparison.
What sets this provider apart
Classification:
- A modular model instead of a budget-based rate: six clearly defined modules, no freely allocable annual budget.
- Comprehensive outpatient benefits: including naturopathic treatments up to €800 per year.
- Private-pay patient in the hospital: choice of hospital, single or double room, attending physician.
- Low administrative costs and affordable rates after retirement.
Facts at a Glance
bKV Modular Model (6 Modules)
Companies that want to specifically cover individual service modules (preventive care, dental, inpatient, outpatient) rather than a flexible budget
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