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HR at a Turning Point: From Administrative Manager to Strategic Partner?

16.10.2026

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Focus on Insurance

Württemberg

StartBudget / Budget / Budget + ZE
€300 / €600 / €900 / €1,200
from
6
€/month
Tim Bütecke
Insurance Expert, Managing Director of FAKTOR MENSCH
Go to the Insurance Guide
Summary

About the Insurer

Württembergische Krankenversicherung is part of the W&W Group (Württembergische & Wüstenrot) and offers StartBudget, Budget, and Budget + ZE —a clearly structured, competitively priced supplementary health insurance portfolio for companies with three or more employees.

The StartBudget plan is available starting at €5.85 per month and still includes a full range of services, including video consultations, a medical hotline, and a specialist appointment service. The Budget plans cover annual budgets ranging from €300 to €1,200, while the Budget + ZE plan adds comprehensive dental prosthesis coverage.

It’s worth noting that Württembergische allows family members to be included in the policy—even for groups as small as three people.

Highlights

What sets this provider apart

What sets Württembergische apart from the rest:

  • Low initial fee: StartBudget starting at €5.85 per month.
  • Available for groups of 3 or more: Also suitable for very small businesses.
  • Clear ZE module: Dental prostheses as a clearly defined add-on module without system complexity.
  • Family coverage included: You can add family members directly.
  • Comprehensive digital services: video consultations, medical hotline, specialist appointments, and a billing app are included in all plans.
Highlights

Additional insurance benefits

Hearing Aid Partner KIND
Amplifon, Hearing Aid Partner
Specialist appointment service
Dental Prosthetics Service (Partner Laboratories)
Online Consultation / 24-Hour Health Hotline
Württemberg Health App
Psychotherapy Counseling by Phone
Healthcare Manager (Rehabilitation/Recovery Support)
Second Medical Opinion (BetterDoc)
Hearing Aid Partner audibene
Travel Assistance Service
Telemedicine / Video Consultations (TeleClinic)
Digital therapy programs (HelloBetter, etc.)
Preventive Health Check-Up
Overview

Facts at a Glance

Budgets

StartBudget / Budget / Budget + ZE

Budget levels

€300 / €600 / €900 / €1,200

Getting Started
from
6
€/month
Suitable for

Small businesses with three or more employees, particularly in southern Germany, with a budget-conscious HR approach and a family-oriented focus

Get Your Consultation

Ready to make a real difference?

We look forward to getting to know you and your company in person. Once you fill out the form, we'll get back to you right away.

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