Generali Deutschland Health Insurance's bKV Plan: Plans, Benefits & Costs

Generali Deutschland Health Insurance offers its employer-sponsored health insurance through a plan structure with five plan options, based on the “Mein GesundheitsBudget” budget plan. At the heart of the concept are five selectable budget tiers ranging from 300 to 1,500 euros per year, from which employees can pay for health services. In addition, add-on modules are available that allow employers to expand the coverage in a targeted manner: “Mein KlinikSchutz” (including accident coverage) for elective hospital services, “Mein ReiseSchutz” for stays abroad, “Mein VorsorgeSchutz” as a business wellness module, and “Mein ZahnSchutz” with reimbursement levels of 90, 80, or 70 percent for dental prosthetics. This modular structure allows for combining a base budget with specific add-on modules, rather than purchasing a rigid, all-inclusive package.

Outpatient services are reimbursed from the health budget, though an advance payment from the GKV is required—meaning that statutory health insurance must pay first before the bKV covers the remaining copayment. Coverage includes, among other things, services provided by alternative practitioners in accordance with the GebüH, alternative medicine and naturopathic treatments administered by a physician or alternative practitioner, medications and bandages, therapeutic products listed in the price and service catalog, and medical aids. Preventive and travel vaccinations are also included in the budget. For vision aids, a sublimit applies within the health budget, meaning this category can only be charged against the annual budget up to a specified amount and cannot be used without limit.

For inpatient care, the budget covers a daily hospital allowance of 10 euros per day, while traditional optional services such as treatment by the chief physician or a single or double room are not included in the basic budget but must be covered through the separate “Mein KlinikSchutz” module. For dental prosthetics, the “Mein ZahnSchutz” module applies with reimbursement rates of 90, 80, or 70 percent, while professional teeth cleaning is already included in the basic coverage. Preventive care is defined broadly: Preventive checkups are included with no age limits and no fixed intervals, supplemented by prevention courses in accordance with Section 20 of the German Social Code, Book V (SGB V). The offering is digitally enhanced by the Generali Mobile Health app, which provides video consultations via TeleClinic in more than 30 medical specialties—including private prescriptions and sick notes—as well as a specialist appointment service, a medical hotline, and a second medical opinion.

Family members can be covered under a family insurance option that provides coverage for a period of six months. As for digital services, the Generali Mobile Health app—which includes a symptom checker, TeleClinic, and BetterDoc—is available free of charge to everyone 18 years of age and older, including covered family members. If an employee leaves the company or their employment contract ends, coverage can be seamlessly continued privately as a so-called “continuing policyholder”; the former employee then pays the premium themselves. This transitional provision ensures that the acquired coverage terms remain in effect even after a job change or departure from the company.

Thanks to the combination of flexibly selectable budget tiers and optional add-on modules, Generali Deutschland Health Insurance’s offering is ideal for companies that want to design a scalable supplemental health insurance plan—ranging from a lean entry-level budget to a comprehensive package that includes hospital, travel, preventive care, and dental coverage. The quality of the offering has been confirmed by external sources: Assekurata rated the 2025 plan A+, Morgen & Morgen awarded it a “Very Good” rating (4 out of 5) in the same year, and Ascore awarded the 2024 plan an “Excellent” rating.

• My Health Budget (Budget Plan): Budget tiers: 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options
• Plans: My Hospitalization Coverage (+Accident), My Travel Coverage, My Retirement Coverage (Business Retirement), My Dental Coverage (90/80/70)

• Screening Exams: Yes, with no age limits or intervals + prevention courses (Section 20 of Book V of the Social Code)
• Alternative Practitioner: Yes, according to the GebüH (included in the budget)
• Natural therapies: Yes, alternative medicine + natural therapies (physician/naturopath)
• Medicines and medical supplies: Yes
• Medical treatment: Yes (Price/Service Catalog)
• Resources: Yes
• Vaccinations: included
• Travel vaccinations: included
• Vision aids: with a sub-limit within the health care budget
• Professional teeth cleaning: included
• Daily Hospitalization Benefit: 10 €/day
• Optional hospital services: No, the budget only covers a daily hospital allowance of 10 €/day; optional services are covered through a separate plan, “Mein KlinikSchutz”
• Digital Health Services: Video Consultations (Yes, TeleClinic (via the Generali Mobile Health app; 30+ medical specialties, private prescriptions, and sick leave certificates available)) · Specialist Appointment Service · Medical Hotline · Second Medical Opinion
• Upon leaving the company: Yes, seamless continuation as the “successor” upon termination of the employment relationship or agency contract (the employee pays the contribution)
• Services for Family Members: Partially: Generali Mobile Health App (Symptom Checker, TeleClinic, BetterDoc) free for everyone 18 and older—including family members; other services not specified
• Family Coverage: Yes, family members can be covered (6-month family coverage option)

Premiums for Generali Deutschland Krankenversicherung’s supplementary health insurance (bKV) are largely based on the selected budget tier. Employers can choose from five tiers ranging from 300 to 1,500 euros in annual budget per employee, which allows them to directly control the financial scope of the plan—a higher budget enables correspondingly more extensive reimbursements for outpatient services, preventive care, and supplemental benefits.

Outpatient services such as treatments by alternative practitioners, naturopathic therapies, medications, bandages, and remedies, as well as assistive devices, count toward the budget, provided that the statutory health insurance (GKV) has made an advance payment. Vision aids are also included in the budget, but are subject to a separate sublimit, so the entire annual budget cannot be used up for this purpose. For services that exceed the basic budget—such as elective hospital services or higher reimbursements for dental prostheses—the separate coverage modules “Mein KlinikSchutz,” “Mein ReiseSchutz,” “Mein VorsorgeSchutz,” and “Mein ZahnSchutz” are available, which additionally affect the premium based on their scope of coverage.

• Assekurata: A+ · 2025 — Rating
• Morgen & Morgen: Very Good (4/5) · 2025 — Rating
• Ascore: Award-Winning · 2024 — Rating