Allianz bKV: Plans, Benefits & Costs
Allianz’s group health insurance is structured as the “MeineGesundheit” plan series, which is designed as a budget-based plan and allows companies to choose from five budget tiers ranging from 300 to 1,500 euros per year per insured person. In addition, numerous optional modules are available—such as coverage for hospital stays, daily sickness benefits, travel insurance, preventive care, or dental prosthetics in the “RundumZahn 70,” “90,” and “100” plans—resulting in a total of 70 plan variations based on a core framework and freely combinable add-ons. This allows the plan to be used either as a pure budget solution for outpatient services or to be selectively expanded to include inpatient or dental coverage, depending on which type of coverage is a priority for the workforce.
Within the selected annual budget, outpatient services such as medications, bandages, medical supplies, and assistive devices—including statutory copayments—are reimbursed, as are preventive checkups, vaccinations, treatments by alternative practitioners and naturopaths, and osteopathy. Vision aids are fully reimbursable from the health budget. Advance payment by statutory health insurance is not required, so employees can access these services regardless of their statutory health insurance status. Reimbursement is always tied to the respective annual budget of the selected tier, meaning that the scope and amount of reimbursements rise or fall with the budget amount.
For inpatient care, optional coverage modules allow you to secure optional benefits such as a two-bed room and treatment by a physician of your choice, as well as a daily hospital allowance that covers copayments of up to 10 euros for 28 days during a hospital stay. For dental care, the RundumZahn modules offer tiered reimbursement rates for dental prostheses, implants, inlays, and functional analysis services, while professional teeth cleaning and teeth whitening are included as preventive care services. In addition, preventive care programs with a wide range of examinations are available, as well as digital health services such as video consultations, a specialist appointment service, and a medical hotline, all of which insured individuals can use free of charge.
Employers can set up this plan with as few as five employees, making the “MeineGesundheit” plan series accessible even to smaller businesses. No health screening is required for employees, and premiums are calculated regardless of gender. In addition, a premium guarantee is in effect through December 31, 2026, providing companies with planning certainty when calculating supplementary health insurance costs for this period.
Family members can be covered under the policy without a medical exam, and parents and grandparents can also use the health services available to family members. If an insured person leaves the company, continued coverage is available under the “MeineGesundheit” budget plan, so that insurance coverage does not necessarily end with the termination of employment but can be continued on a private basis.
Thanks to the low minimum business size requirement, the flexible budget tiers, and the ability to freely combine coverage modules, this offering is suitable both for small businesses that want to start with a lean budget tier and for companies that wish to provide more comprehensive coverage with higher budgets and additional modules. External rating agencies confirm the quality of the offering: Assekurata rates Allianz A++, Franke & Bornberg awards it a “Very Good” rating, and Morgen & Morgen gives it the highest rating of “Excellent” (5 out of 5 stars).
Rates
- MeineGesundheit (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 60 plan options · for companies with 5 or more employees
- Coverage Options: Hospital Daily Benefit 10€/day (Solo), Hospitalization (Solo), Hospitalization Due to Accident (Solo), Daily Sickness Benefit (Solo), Travel (Solo), Comprehensive Dental 100, Comprehensive Dental 70, Comprehensive Dental 90, Preventive Care (Solo), Preventive Care Extra (Solo)
Services
- Preventive screenings: Yes, up to the budget limit
- Alternative Practitioner: Yes, according to the GebüH
- Naturopathic treatments: Yes, according to Hufeland/GOÄ
- Osteopathy: included
- Medications and medical supplies: Yes, including copayments
- Medications: Yes, including copayments
- Medical devices: Yes, including copayments
- Vaccinations: included
- Vision aids: fully reimbursable from the health care budget
- Professional teeth cleaning: included
- Teeth Whitening: Included
- Daily Hospitalization Benefit: Yes, including hospital copayment (€10 for 28 days)
- Digital Health Services: Video Consultations (TeleClinic) · Specialist Appointment Service · Medical Hotline
- Budget carryover: No, it expires at the end of the year; if no services are provided, the budget for the following year doubles under certain conditions
- Upon leaving the company: Continued coverage under the budget plan is possible
- Services for family members: Yes, including parents and grandparents
- Family Coverage: Yes, without a medical exam
Costs
Premiums for the MeineGesundheit supplementary health insurance plan are primarily based on the selected budget tier: The higher the agreed-upon annual budget—ranging from 300 to 1,500 euros—the higher the premium, as this determines the maximum reimbursement limit per insured person per insurance year. Additional coverage options, such as hospitalization, daily sickness allowance, or dental prosthesis benefits, are calculated separately and increase the total premium according to the selected combination.
All benefits used within a year are counted toward the respective annual budget until the agreed-upon maximum amount is reached. Any unused budget generally expires at the end of the year and is not carried over to the following year. However, if no benefits are claimed for a full calendar year and the insurance coverage was active throughout that period, the budget for the following year doubles under these conditions—an incentive that is particularly relevant for employees with low benefit needs.
Since the premium is calculated regardless of gender and no medical examination is required, the premium calculation for employers remains unaffected by the individual health status of their employees. In addition, a premium guarantee is in effect through the end of 2026, enabling reliable budget planning for this period.
External Reviews
FAQ
Do I need a doctor's prescription for every service?
No. Only certain services require a prescription—for example, medications, bandages, medical devices, and osteopathic treatments. Other services, such as vision aids, do not require a doctor’s prescription; in these cases, the optician’s invoice, which specifies the diopter values, is sufficient. If necessary, an eye exam should be conducted by the optician in advance.
Can I still use these services when I'm abroad?
Yes. Insurance coverage is provided worldwide. For treatment abroad, costs are reimbursed at the local standard rate. For temporary stays in non-European countries lasting up to 6 months, the costs of medical services are also reimbursed.
Can I carry over the budget to next year if I don't use it?
Any unused portion of the budget expires at the end of the year. The annual budget for the following year is doubled under certain conditions: You have been insured under the bKV MeineGesundheit plan for at least one full calendar year; you did not file any claims for insurance benefits for the previous calendar year; and your insurance was not suspended during the previous calendar year.
Will I still be insured if I take parental leave?
Yes. Full insurance coverage is provided for up to 36 months of parental leave—without the employer having to pay premiums. To qualify for the premium exemption, the employer must notify Faktor Mensch of the parental leave.
Can I continue my insurance coverage privately if I leave the company?
Yes. Within two months, the policy can be continued on an individual basis under the terms of individual insurance; the individual is responsible for paying the premiums.
How long do I have to submit an invoice?
There is no deadline. It is recommended that you submit claims as soon as possible. The date of purchase or treatment determines which annual budget will be used to reimburse the services.
Are dietary supplements or vitamins, such as vitamin D or magnesium, covered?
No. Medications and bandages are covered provided they are medically necessary and have been prescribed by a doctor. Medications recommended by a doctor that are available over the counter are also covered, provided a private prescription is presented. Excluded are, for example, hair growth products, contraceptives, cosmetic products, and vitamin supplements; special dietary supplements or medication-like nutritional products are reimbursed only if medically necessary.
What counts as an assistive device—do fitness trackers, for example, qualify?
Medical devices are devices prescribed by a doctor (e.g., bandages, orthopedic insoles, hearing aids). Fitness trackers are not considered medical devices and are not eligible for reimbursement.
Can I collect several invoices and submit them together?
Yes. The budget applies per calendar year, regardless of when or how often submissions are made.
Will I get my own insurance number or card?
You will receive an insurance card from Faktor Mensch that includes your insurance number. This card does not store any data; the insurance number is used to access medical services.
Can my employer see the claims I submit?
No. The employer does not see any personal usage data.
Are services purchased online also reimbursed?
Yes, provided that the services are eligible for reimbursement (e.g., vision aids) and an invoice is provided that includes the relevant information (e.g., diopter values). Medications purchased from online pharmacies are also eligible for reimbursement.
Will the budget be prorated if I enroll during the school year?
No. Even if your coverage starts partway through the year, you'll still receive the full annual budget.
What happens if a doctor charges more than the GOÄ/GOZ rates?
Allianz reimburses costs up to the maximum rates specified in the GOÄ, GOZ, and GebüH. Amounts exceeding these limits are generally not reimbursed.
How does the bKV work in conjunction with private supplemental insurance?
Any advance payments made by other payers (statutory health insurance or private supplemental insurance) must be disclosed at the time of submission; the prohibition against unjust enrichment applies.
What happens to my insurance if I'm unable to work for an extended period?
In the event of an inability to work without continued pay, leave for caregiving, or unpaid leave, insurance coverage remains in effect; the employer may apply for an exemption from premium payments at Faktor Mensch .
Can my family members use the bKV?
You can apply for the health care budget for family members at your own expense via Faktor Mensch ; each insured person receives their own budget. There is a 12-month application window starting from the family member’s contract start date.
When can I start submitting claims?
Claims can be submitted starting on the effective date of coverage. The date of treatment or receipt must be after the effective date of coverage.