ARAG Health Insurance's bKV Plan: Rates, Benefits, and Costs

ARAG Krankenversicherung’s employer-sponsored health insurance is organized as a budget plan and is available in two plan structures: BudgetFlex Komfort BL and BudgetFlex Premium BL. Both plan structures follow the same framework and differ in the scope of benefits, but each is available in five budget tiers ranging from 300 to 1,500 euros per year. This results in ten plan options, which companies can further combine with add-on modules. This modular structure allows the health budget to be tailored to the company’s cost structure and target audience without requiring a separate, standalone compact plan with a fixed catalog of benefits.

Numerous outpatient services are covered under the health care budget. These include medications and bandages, therapeutic agents and assistive devices, as well as services provided by alternative practitioners in accordance with the fee schedule up to the maximum rate, and medical naturopathic treatments in accordance with the Hufeland Directory and the GOÄ maximum rates. Osteopathy and professional dental cleanings are also included. Regarding assistive devices, there is a simplification for hearing aids: No prior approval is required for amounts of 1,000 euros or more, which speeds up the process for insured individuals. Visual aids are handled differently depending on the selected plan, so it’s worth taking a closer look at the specific plan options here.

Preventive medical checkups are not automatically included in the health care budget but can be covered by the additional V100BL module, which companies can specifically add to their chosen plan. In addition, digital health services are available, specifically a video consultation with a doctor and a service for scheduling appointments with specialists, which make it easier to access medical advice and appointments.

From an organizational standpoint, ARAG Health Insurance requires a minimum company size of ten employees before a supplementary health insurance plan can be established. This minimum size applies uniformly to both rate plans and all five budget tiers, allowing companies to remain flexible in choosing their budget level regardless of company size.

Family members of insured employees can be included in the insurance coverage and receive the same range of benefits as the employees themselves. This equal treatment ensures that families do not have to settle for a reduced benefits package but can benefit from the full range of benefits offered by the selected plan.

With its budget model available in ten variants, ARAG Health Insurance’s bKV is suitable for companies with ten or more employees that are looking for a tiered budget solution with the option to expand through modular components, rather than committing to a rigidly defined list of benefits. In an external evaluation by Morgen & Morgen, the plan received a “Very Good” rating (4 out of 5), further attesting to the quality of its pricing structure.

• BudgetFlex Comfort BL (Budget Plan): Coverage levels: 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options · for companies with 10 or more employees
• BudgetFlex Premium BL (Budget Plan): Budget tiers: 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options · for companies with 10 or more employees

• Preventive medical exams: No, only through the V100BL plan
• Alternative Practitioner: Yes, GebüH up to the maximum rate
• Naturopathic treatments: Yes, medically covered (Hufeland Directory, GOÄ maximum rates)
• Osteopathy: included
• Medicines and medical supplies: Yes
• Remedy: Yes
• Medical devices: Yes, including hearing aids (starting at €1,000 without prior authorization)
• Vision aids: Regulations vary depending on the plan
• Professional teeth cleaning: included
• Digital Health Services: Video Consultations with Doctors · Specialist Appointment Service
• Family Coverage: Yes, including family members (same scope of coverage)

Premiums for ARAG Health Insurance’s supplementary health insurance (bKV) are based on the selected budget tier and the selected plan. Both plans—BudgetFlex Komfort BL and BudgetFlex Premium BL—offer a choice of five budget tiers ranging from 300 to 1,500 euros per year, allowing companies to independently determine the health budget amount per employee.

The outpatient services included in the plan—such as medications, medical treatments, and medical devices; treatments by alternative practitioners and naturopathic therapies; and professional teeth cleaning—are applied against the respective annual budget. Additional coverage options, such as V100BL for preventive checkups, are added separately to the plan and therefore also affect the premium calculation.

Since the scope of coverage and budget level can be combined, companies can specifically manage the total costs of their supplemental health insurance by selecting a plan package, budget tier, and coverage modules, thereby putting together a plan that fits their own cost planning.

• Morgen & Morgen: Very Good (4/5) · 2025 — Rating