bKV from Versicherungskammer Maklermanagement: Rates, Benefits, and Costs

Versicherungskammer Maklermanagement offers a wide range of options in the area of group health insurance, comprising a total of nine plan families with 16 plan variants, including modular combinations. There are two basic concepts: Compact plans such as bKV Start, bKV Basis, bKV Comfort, bKV Premium, ComfortPro, KlinikPro, and VorsorgePro offer fixed, predefined benefit packages, while the BudgetPro plan is based on an annual health budget ranging from 400 to 1,200 euros, available in three tiers. In addition, BudgetVorsorge offers another budget-based concept with two plan options, as well as the bKV Plus module for expanding existing plans. This structure allows companies to choose either clearly defined benefit catalogs or a flexible budget for their workforce, depending on their objectives.

In the outpatient sector, the budget—or the respective plans—covers a range of services, although the exact scope depends on the plan. Medications and medical supplies are reimbursed at 100 percent, including copayments and even for medically prescribed, over-the-counter products. Services provided by alternative practitioners are also 100 percent reimbursable. Vaccinations and travel vaccinations are also included in the scope of coverage. For preventive medical checkups, naturopathic treatments, remedies, medical aids, and vision aids, the scope varies depending on the selected plan, so different sublimits and reimbursement rates may apply depending on the specific plan. No upfront payment from the statutory health insurance provider is required for any of these services, so reimbursements are made directly from the plan or the budget.

The plan-dependent structure of the coverage is also evident in inpatient care, dental services, and preventive care: The daily hospital allowance varies depending on the plan. Professional teeth cleaning is included in the range of benefits. Family coverage and other preventive care benefits are also determined by the selected plan. The offering is supplemented by digital health services, specifically a video consultation service via Medgate and a specialist appointment service, which are designed to facilitate access to medical advice and specialist care.

For employers setting up a supplementary health insurance plan through Versicherungskammer Maklermanagement, the minimum company size is a key factor: The BudgetPro plan can be purchased for companies with as few as five employees, while all other plans require a minimum of ten employees. A unique feature of this offering is that it does not require a medical examination for individual employees or prior coverage under statutory health insurance, which simplifies the implementation process within the company.

Under the bKV plan offered by Versicherungskammer Maklermanagement, it is generally possible to include family members in the coverage, although the specific terms depend on the selected plan. If an employee leaves the company, they have the option to continue their insurance coverage privately within two months. This allows for a smooth transition to private continuation coverage without any interruption in coverage.

Thanks to the combination of Compact Plans and a flexible Budget Plan, the offering from Versicherungskammer Maklermanagement is suitable both for smaller businesses with five or more employees who want to get started with BudgetPro, and for larger companies seeking a fixed, broader range of benefits through the Compact Plans. In external evaluations, the IVFP rated the offering “Excellent,” while Morgen & Morgen rated it “Average” (3 out of 5).

• bKV Basis (BKV 2) (Compact Plan) · for companies with 10 or more employees
• bKV Comfort (BKV 3) (Compact Plan) · for companies with 10 or more employees
• bKV Premium (BKV 4) (Compact Plan) · for companies with 10 or more employees
• bKV Start (BKV 1) (Compact Plan) · for companies with 10 or more employees
• BudgetPro (Budget Plan): Price tiers: 400 / 800 / 1,200 EUR/year · 6 plan options · for businesses with 5 or more employees
• Budget Plan (Budget Rate) · 2 plan options · for businesses with 10 or more employees
• ComfortPro (Compact Plan) · for businesses with 10 or more employees
• KlinikPro (Compact Plan) · for businesses with 10 or more employees
• VorsorgePro (Compact Plan) · for companies with 10 or more employees
• Modules: bKV Plus (BKV-AS)

• Preventive screenings: covered differently depending on the plan
• Alternative practitioner: Yes, 100%
• Alternative Medicine: Regulations Vary Depending on the Plan
• Medications and medical supplies: Yes, 100%, including copayments (including over-the-counter medications prescribed by a doctor)
• Medications: Regulations vary depending on the plan
• Assistive devices: Regulations vary depending on the plan
• Vaccinations: included
• Travel vaccinations: included
• Vision aids: Regulations vary depending on the plan
• Professional teeth cleaning: included
• Daily Hospitalization Benefit: Rules Vary by Plan
• Digital Health Services: Video Consultations (Medgate) · Specialist Appointment Service
• Upon leaving the company: Private continuation is possible within 2 months
• Family Coverage: Rules Vary Depending on the Plan

The premium amount for the supplementary health insurance (bKV) offered by Versicherungskammer Maklermanagement is primarily based on the selected plan and, in the case of BudgetPro, on the selected budget level. With the budget plan, annual healthcare budgets of 400, 800, or 1,200 euros are available; a higher budget level results in a correspondingly higher premium but also a higher reimbursement limit for the insured individuals.

The outpatient services used—such as medications and dressings, services provided by alternative practitioners, preventive and travel vaccinations, and professional dental cleanings—are deducted from the respective budget, provided they are included in the selected plan. In contrast, for the compact plans—such as bKV Start, bKV Basis, bKV Comfort, or bKV Premium—the scope of coverage is firmly defined in the respective plan terms and conditions, without being based on a separately managed budget.

Since statutory health insurance does not require any upfront payment for reimbursements, the choice of budget tier or plan structure directly affects the scope of possible reimbursements. Companies wishing to establish a supplementary health insurance plan should therefore weigh their employee structure and expected benefit needs against the available budget tiers or plan structures in order to find an appropriate balance between premiums and the scope of benefits.

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