Landeskrankenhilfe's Supplementary Health Insurance: Plans, Benefits, and Costs

Landeskrankenhilfe has consolidated its offerings for employer-sponsored health insurance into a single plan package called TeamUpgrade Complete, which is designed as a budget-based plan. Employers do not choose between different benefit catalogs; instead, they use five budget tiers to determine the annual health budget per employee. This structure makes the model easy to understand: Instead of complex combinations of modules, the focus is on a single adjustment mechanism that allows the scope of supplemental coverage to be scaled.

The budget tiers range from 300 to 1,500 euros per year per employee and are divided into five levels. This allows a company to tailor the level of supplemental benefits to its HR strategy and budget without changing the plan itself. A lower tier is more suitable as an entry point into employer-sponsored health insurance, while higher tiers provide significantly greater financial flexibility for employee health benefits.

From an organizational standpoint, TeamUpgrade Complete is specifically designed for smaller companies: The minimum number of participants is five employees. This sets the bar low for enrolling in a group health insurance plan through Landeskrankenhilfe, making the program accessible to small and medium-sized businesses seeking a group solution without high minimum participation requirements.

Another practical consideration for employers is the option to extend coverage to family members. Under the TeamUpgrade Complete plan, employees’ family members can be included in the insurance coverage. This extends the impact of the employer-sponsored benefit beyond the individual employee and can increase the perceived attractiveness of the offer among the workforce, since not only the employees themselves but also their families benefit from the coverage.

With its simple, budget-based structure, TeamUpgrade Complete positions itself as a flexible entry-level and scaling model for companies of various sizes, particularly for smaller businesses seeking a clearly definable additional service without complex pricing options. Ratings from independent rating agencies underscore this assessment: In the Ascore rating, Landeskrankenhilfe received a “Excellent” rating, while in the Morgen & Morgen rating, the plan was rated “Very Good,” or 4 out of 5 points. Both assessments confirm the quality of the offering from an external, product-independent perspective.

• TeamUpgrade Complete (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options · for 5 or more employees

The contribution for TeamUpgrade Complete is primarily based on the budget tier selected by the employer. Since there are five tiers ranging from 300 to 1,500 euros per year per employee, this choice alone determines the annual reimbursement limit per employee and, consequently, the amount the company allocates for its group health insurance plan.

Since this is a budget-based plan, the selected tier directly affects the scope of possible reimbursements: The higher the annual budget, the greater the financial flexibility for health care services that can be billed against that budget. For employers, this means a predictable cost structure, as the total cost can be calculated based on the number of covered employees and the selected budget tier.

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