Bavarian Insurance Chamber
About the Insurer
Versicherungskammer Bayern (VKB), through its broker management division, offers a two-product system called “BudgetVorsorge” and “BudgetPro ”: a pure savings plan without a traditional health budget, as well as traditional budget plans ranging from 400 to 1,200 €.
The Budget Preventive Care Plan is available starting at €7.00 per month. It focuses on preventive medical checkups (100% reimbursement), sports medicine examinations, and prevention courses in accordance with Section 20 of Book V of the Social Code (SGB V).
The BudgetPro plan rounds out the portfolio with a traditional health budget. Premium waiver in the event of a claim can be added as an option for a small additional fee. Family members can be included in the coverage for a separate premium.
What sets this provider apart
What sets VKB apart from the rest:
- Low initial premium: Budget retirement plan starting at €7.00 per month.
- A basic preventive care plan as an entry-level product: BudgetVorsorge without an annual budget—enables supplementary health insurance for employers who wish to focus exclusively on preventive care.
- Flexible premium waiver: Available as an optional add-on for both plans.
- Top Doctors Referral Service: A digital specialist referral service offered as an additional service.
- Family members can be covered: Coverage can be extended to the entire family.
Additional insurance benefits
Facts at a Glance
Budget Planning / BudgetPro
Contingency fund (no budget) / €400 / €800 / €1,200
Small and medium-sized businesses in Bavaria; employers who are very cost-conscious
Budget Rates at a Glance
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