Münchener Verein's Supplementary Health Insurance: Plans, Benefits, and Costs

Münchener Verein offers group health insurance through the “GemeinsamGesund Budget” plan, which is designed as a budget-based plan and is available in four rate options with different combinations of coverage modules. At the core of the offering is an annual health budget, which can be selected in increments of 300, 600, 1,000, or 1,500 euros. This tiered structure allows insurance coverage to be tailored to the company’s objectives and budget without requiring different base plans.

The health budget covers reimbursement for various outpatient services, including 100 percent coverage for medications and bandages, as well as therapeutic agents and medical aids. This also includes naturopathic treatments—whether performed by medical doctors or alternative practitioners—as well as osteopathy. Reimbursement does not require prior coverage under statutory health insurance, so employees can access these services regardless of their statutory health insurance status. A separate sublimit applies to vision aids within the health budget, ensuring that this category does not exhaust the entire annual budget but is subject to a distinct cap.

In addition to outpatient coverage, this plan covers preventive checkups and vaccinations, and supplements these with a professional dental cleaning. The plan does not include a daily hospital allowance, so it clearly focuses on outpatient preventive care and supplemental services. The offering is rounded out by digital health services such as video consultations with doctors, a specialist appointment service, a medical hotline, and the option for a second medical opinion, all of which make it easier to access medical advice.

It is important for employers to note that the plan can be established for companies with as few as five employees. This means that Münchener Verein’s offering is also aimed at smaller companies that wish to implement a group health insurance plan without having to meet a minimum number of employees.

Family coverage is available under the supplementary health insurance plan (bKV), and separate services are also available for family members. If an employee leaves the company, the insurance coverage can be continued on a private basis without the need for a new medical examination. This facilitates the transition and ensures that existing insurance coverage continues even after the employment relationship ends.

Overall, due to its low minimum coverage amount and flexible budget tiers, GemeinsamGesund Budget is particularly well-suited for small and medium-sized businesses that wish to combine outpatient and preventive care services with digital services. External rating agencies have given the plan mixed reviews: The IVFP rated it “Very Good” in 2024, while Morgen & Morgen rated it “Average” (3 out of 5) in 2025.

• GemeinsamGesund Budget (Budget Plan): Budget tiers: 300 / 600 / 1,000 / 1,500 EUR/year · 4 plan options · for companies with 5 or more employees

• Preventive screenings: Yes
• Alternative practitioner: Yes
• Alternative Medicine: Yes (Doctors and Alternative Practitioners)
• Osteopathy: included
• Medicines and medical supplies: Yes, 100%
• Remedy: Yes
• Resources: Yes
• Vaccinations: included
• Vision aids: with a sub-limit within the health care budget
• Professional teeth cleaning: included
• Daily Hospitalization Benefit: No
• Digital Health Services: Video Consultations with Doctors · Specialist Appointment Service · Medical Hotline · Second Medical Opinion
• Upon leaving the company: Private continuation is possible without a medical exam
• Services for Family Members: Yes
• Family Coverage: Yes

Premiums for GemeinsamGesund Budget are based on the selected budget tier: Companies can choose between 300, 600, 1,000, and 1,500 euros in annual health care budget. The higher the selected tier, the more extensive the reimbursement coverage for outpatient services, preventive care, and supplemental coverage options—which accordingly affects the premium.

Outpatient services eligible for reimbursement under the plan—such as medications, bandages, therapeutic products, medical aids, and naturopathic treatments provided by physicians or naturopaths—are counted toward the budget. For vision aids, there is an additional sub-limit within the budget, so this category is capped separately and does not use up the entire available budget.

Since no advance payment is required from the statutory health insurance provider, the budget is debited directly based on the invoices submitted by the insured person. For companies, therefore, choosing the budget level is the key lever for balancing the scope of benefits and the costs of the supplemental health insurance.

• Morgen & Morgen: Average (3/5) · 2025 — Rating
• IVFP: Very Good · 2024 — Rating