bKV by Württembergische: Plans, Benefits & Costs

Württembergische organizes its employer-sponsored health insurance through three plan options, all of which are based on the principle of an annual health budget. In addition to the “Budget” plan and the “Budget with Dental Implants” option, “StartBudget” is available as an entry-level plan designed specifically for small budgets. A total of 9 plan options, including modular combinations, are available, with the “Budget” and “Budget with Dental Coverage” plans each offering four budget tiers ranging from 300 to 1,200 euros per year. This modular structure allows employers to tailor the level of coverage for each employee rather than committing to a rigid, all-inclusive package.

The health budget covers numerous outpatient services without requiring prior reimbursement from statutory health insurance. These include treatments by alternative practitioners, covered at 100 percent based on the maximum rates set by the GebüH; naturopathic treatments, including osteopathy; as well as medications and bandages, also covered at 100 percent, regardless of whether they require a prescription. Medicines are also fully covered, including the copayments that would otherwise be incurred under statutory health insurance. Vision aids are fully reimbursable from the budget, which makes them a comparatively generously covered benefit compared to many other types of coverage. Vaccinations and osteopathy are included depending on the selected plan, so the actual scope of benefits varies between the different plan options.

For inpatient care, the plan does not include a daily hospital allowance; instead, it focuses on preventive dental care and supplemental health services. Professional teeth cleaning is included, and those who choose the “Budget” plan with dental prostheses receive additional coverage for dental prostheses. Preventive checkups are part of the coverage, as are travel vaccinations. The package is supplemented by digital health services: video consultations with doctors, a service for scheduling appointments with specialists, and a medical hotline make it easier to access medical advice regardless of office hours.

From an organizational standpoint, the entry requirements have been deliberately kept low: Württembergische’s supplementary health insurance (bKV) can be purchased for as few as three employees, making it accessible even to small businesses. No medical examination is required for enrollment, nor is prior coverage under statutory health insurance. This eliminates the need for employers to conduct individual risk assessments for each employee, and even employees with pre-existing conditions have regular access to the health budget.

Employees’ family members can also be included in the coverage, as family coverage is available. If an employee leaves the company, the insurance coverage does not automatically end: The policy can be continued on a private basis without the need for a new medical examination. Once obtained, the coverage is thus maintained even after a change of employer or the end of employment with the company.

With its combination of a low entry threshold, no medical exam required, and tiered coverage levels, this plan is particularly well-suited for small and medium-sized businesses that want to offer their employees easily accessible supplemental coverage without the additional administrative burden of individual risk assessments. This positioning is supported by external ratings: Assekurata has awarded an A+ rating for 2025, Morgen & Morgen rates the plan as “Very Good” (4 out of 5), and the IVFP rates the plan as “Excellent.”

• Budget (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 EUR/year · 4 plan options · for businesses with 3 or more employees
• Budget Plan with Dental Prosthetics (Budget Plan): Coverage Levels 300 / 600 / 900 / 1,200 EUR/year · 4 plan options · for businesses with 3 or more employees
• StartBudget (Budget Plan): Budget tier: 300 EUR/year · for 3 or more employees

• Preventive screenings: Yes
• Alternative Practitioner: Yes, 100% according to GebüH (maximum rates)
• Alternative Medicine: Yes, 100%, including osteopathy
• Osteopathy: Included depending on the plan
• Medications and medical supplies: Yes, 100% (prescription and over-the-counter medications)
• Treatment: Yes, 100%, including copayments under statutory health insurance
• Resources: Yes
• Vaccinations: included depending on the plan
• Travel vaccinations: included
• Vision aids: fully reimbursable from the health care budget
• Professional teeth cleaning: included
• Daily Hospitalization Benefit: No
• Digital Health Services: Video Consultations with Doctors · Specialist Appointment Service · Medical Hotline
• Upon leaving the company: Private continuation is possible without a medical exam
• Family Coverage: Yes

The premium amount for Württembergische’s supplementary health insurance (bKV) is largely determined by the selected budget level. For the “Budget” and “Budget with Dental Prosthetics” plans, there are four levels to choose from, ranging from 300 to 1,200 euros in annual health care budget, while the entry-level “StartBudget” plan is calculated at a fixed rate of 300 euros per year. The higher the selected budget level, the larger the annual reimbursement limit from which outpatient services—such as treatments by alternative practitioners, medications and remedies, vision aids, or professional teeth cleaning—are funded.

All benefits claimed are deducted from the respective annual budget, so the remaining available balance decreases accordingly with each reimbursement. By selecting a budget tier, employers can control the extent of supplemental coverage for each employee without having to conduct an individual risk assessment for each person, since neither a health examination nor prior reimbursement from statutory health insurance is required for reimbursement.

Those who choose the Budget plan with dental prosthesis coverage expand their budget to include services for dental prostheses, which is reflected in the premium calculation compared to the standard Budget plan. The specific structure of the premiums therefore depends on the combination of the plan package, the selected budget tier, and any optional modules, such as dental prosthesis coverage.

• Assekurata: A+ · 2025 — Rating
• Morgen & Morgen: Very Good (4/5) · 2025 — Rating
• IVFP: Excellent · 2024 — Rating