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Company health insurance in Germany (bKV) in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 68 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Annual budget No health check Pre-existing Waiting period Family members Min. group
Allianz Auslandsreise , Gruppenversicherung Company health insuranceTake out not addressed not addressed no none yes not addressed
Allianz Vorsorge , Gruppenversicherung Company health insuranceTake out not addressed not addressed yes none yes not addressed
Allianz MeinGesundheitsBudget , Gruppenversicherung Company health insuranceTake out yes, up to EUR 1,500 not addressed yes none yes not addressed
Allianz MeinGesundheitsBudget , Gruppenversicherung Krankenhaustagegeld Fkht01 Company health insuranceTake out not addressed not addressed yes none yes not addressed
Allianz MeinGesundheitsBudget , Gruppenversicherung Krankentagegeld Fkt02 Company health insuranceTake out not addressed not addressed no none not addressed not addressed
Allianz MeinGesundheitsBudget , Gruppenversicherung Vorsorge Fav01 Company health insuranceTake out not addressed not addressed yes none yes not addressed
Allianz weitere -Bausteine , Gruppenversicherung Company health insuranceTake out not yet checked not yet checked not yet checked not yet checked not yet checked not yet checked
ARAG BudgetFlex Komfort Company health insuranceTake out yes, up to EUR 1,500 not addressed yes none no not addressed
ARAG BudgetFlex Premium Company health insuranceTake out yes, up to EUR 1,500 not addressed yes none no not addressed
Continentale arbeitgeberfinanzierte Choose Company health insuranceTake out yes, up to EUR 1,200 not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Choose Max Company health insuranceTake out yes, up to EUR 1,600 not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Choose More Company health insuranceTake out yes, up to EUR 1,600 not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Plus Company health insuranceTake out yes, up to EUR 600 not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Save Company health insuranceTake out not addressed not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Save More Company health insuranceTake out not addressed not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Save U Company health insuranceTake out not addressed not addressed no none not addressed not addressed
Continentale arbeitgeberfinanzierte Smile Company health insuranceTake out yes, up to EUR 3,000 not addressed yes none not addressed not addressed
Continentale arbeitgeberfinanzierte Smile More Company health insuranceTake out yes, up to EUR 5,000 not addressed yes none not addressed not addressed
Debeka Flex-F Company health insuranceTake out yes, up to EUR 1,500 not addressed yes not addressed not addressed not addressed
DEVK JobMed 400/800/1200 Company health insuranceTake out yes, up to EUR 1,200 not addressed yes none yes not addressed
DEVK JobMed Klinik Company health insuranceTake out not addressed not addressed yes none yes not addressed
Hallesche FEELfree Company health insuranceTake out yes, up to EUR 1,500 not addressed not addressed not addressed no not addressed
Hallesche FEELfree:up Company health insuranceTake out yes, up to EUR 1,500 not addressed not addressed not addressed not addressed not addressed
Hallesche FEELfree:up_plus Company health insuranceTake out yes, up to EUR 1,500 not addressed not addressed not addressed not addressed not addressed
Hallesche FEELfree_plus Company health insuranceTake out yes, up to EUR 1,500 not addressed not addressed not addressed not addressed not addressed
Hallesche Zusatzbedingungen für -Tarife Company health insuranceTake out not addressed yes yes not addressed yes yes
HanseMerkur Company Fit Budgettarif BKB Company health insuranceTake out yes, up to EUR 2,000 not addressed yes none yes not addressed
HanseMerkur Company Fit Budgettarif BKBT Company health insuranceTake out yes, up to EUR 2,000 not addressed yes none yes not addressed
SIGNAL IDUNA betriebliche Krankenversicherung (Budget- und Bausteintarife) Company health insuranceTake out not addressed not addressed no not addressed not addressed not addressed
uniVersa Uni Bkh Company health insuranceTake out not addressed not addressed not addressed none yes not addressed
uniVersa Uni Bvo Company health insuranceTake out not addressed not addressed not addressed none no not addressed
uniVersa Uni Bzb Company health insuranceTake out not addressed not addressed no none yes not addressed
uniVersa Uni Bze Company health insuranceTake out not addressed not addressed no none yes not addressed
Versicherungskammer Bayern BudgetPro 1200, großes Budget Company health insuranceTake out yes, up to EUR 1,200 yes no yes yes not addressed
Versicherungskammer Bayern BudgetPro 400, kleines Budget Company health insuranceTake out yes, up to EUR 400 yes no yes yes not addressed
Versicherungskammer Bayern BudgetPro 800, mittleres Budget Company health insuranceTake out yes, up to EUR 800 yes no yes yes not addressed
VRK Gruppenversicherung Company health insuranceTake out not addressed not addressed no none not addressed not addressed

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 68 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • AXA
  • BarmeniaGothaer
  • DKV
  • Gothaer
  • LKH
  • MÜNCHENER VEREIN
  • NÜRNBERGER
  • R+V
  • SDK
  • Union Krankenversicherung
  • Württembergische

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

Updated