Munich Association
About the Insurer
Münchener Verein is an independent mutual insurance company with a long history in the German health insurance market. With its bKV plan, GemeinsamGesund Budget, Münchener Verein offers a clearly structured budget plan for companies with five or more employees.
Available in coverage levels ranging from €300 to €1,500, starting at €12.90 per month. The plan covers essential services: dental treatment, preventive checkups, vision care (up to €500 for the €1,000 plan), and a medical hotline. Waiver of copayments in the event of a claim is included at no extra cost.
Münchener Verein stands out with a clear, straightforward plan structure that doesn’t include add-on modules—ideal for companies that want to implement a supplementary health insurance plan quickly and without a lengthy decision-making process.
What sets this provider apart
What sets Münchener Verein apart from the rest:
- Independent mutual insurance company: No corporate interests—decisions made in the best interests of policyholders, similar to HanseMerkur.
- Simplest pricing structure: One rate, clear budget tiers—no modular system, no complex combinations.
- €1,000 tier: One of the few providers to offer a €1,000 intermediate tier (instead of jumping straight to €1,200).
- Premium waiver at no extra cost: In the event of a claim, the premium is waived—included as standard.
- Quick start: Minimal training required thanks to a simple structure—ideal for hassle-free onboarding.