Insurance Chamber Broker Management
About the Insurer
Through its brokerage management division, Versicherungskammer Bayern (VKB) offers a unique two-product system with BudgetVorsorge and BudgetPro: a pure savings plan without a traditional health budget, as well as traditional budget plans ranging from €400 to €1,200.
At €7.00 per month, the BudgetVorsorge plan is the most affordable entry-level supplementary health insurance plan on the market. It focuses on preventive medical checkups (100% reimbursement), sports medicine examinations, and preventive health courses in accordance with Section 20 of the German Social Code, Book V (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:
- The most affordable option on the market: BudgetVorsorge starting at €7.00/month – no other supplementary health insurance provider is cheaper.
- 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.
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
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