Starting January 1, 2027, Barmenia Krankenversicherung will launch two new company health insurance (bKV) tariffs, BesserGesund Top and Premium, offering employees annual health budgets ranging from 200 to 1,200 euros.
The expansion aims to shift corporate health benefits toward long-term prevention, supplementing standard coverage with digital diagnostic tools and specialized medical services.
Expanding Coverage Beyond Traditional Budgets
The insurer is moving to integrate traditional health budgets with preventative care and specialized health services into a unified offering. By consolidating these benefits, Barmenia intends to provide businesses with a more flexible framework for employee health management. The new tariffs, BesserGesund Top and Premium, are designed with a fixed structure and age-independent contributions to simplify administrative overhead for corporate clients.
For employees, the budget can be applied to a wide array of medical and wellness needs. This includes therapeutic aids, naturopathic treatments, vaccinations, and precautionary screenings. The scope also covers individualized health services (IGeL), vision aids, and laboratory diagnostics. In cases of accidents, the tariffs extend to dental restorations and orthodontic procedures, depending on the specific tier selected.
Digital Diagnostic Integration in 2027
Barmenia is further augmenting its bKV portfolio in the first quarter of 2027 with the introduction of BesserGesund Vorsorge Digital. This app-based solution focuses on data-driven health management. It provides users with access to digital screenings and personalized prevention plans, utilizing e-scanners to monitor over 30 distinct health parameters.
The system is engineered to help employees assess their physical status and identify potential health risks at an earlier stage. By emphasizing predictive health indicators, the insurer is aligning its product roadmap with current trends in wearable technology and remote diagnostics. This digital layer acts as a supplement to the core insurance products, aiming to increase engagement through real-time feedback loops.
Standardized Health Services for All
Beyond the tiered budget structure, Barmenia is embedding a suite of universal health services into these new tariffs. Regardless of the chosen budget level, all insured employees gain access to telemedical consultations and a specialized appointment booking service for medical practitioners.
The service package also includes a dedicated health hotline, exhaustion prevention programs, and support services for employees dealing with long-term care needs for relatives. These inclusions reflect an effort to address the holistic needs of the workforce, moving beyond simple reimbursement models toward active health support systems.
| Feature | BesserGesund Top / Premium | BesserGesund Vorsorge Digital |
|---|---|---|
| Annual Budget | 200 to 1,200 Euro | N/A (App-based) |
| Core Focus | Reimbursement & Services | Diagnostics & Prevention |
Operational Shifts for Enterprise Clients
Insurers are increasingly bundling digital tools with traditional risk-transfer products. The use of age-independent contributions serves as a key lever for companies managing diverse workforce demographics.
The integration of telemedical and appointment services provides a tangible utility that operates independently of the financial budget, ensuring that even lower-tier subscribers retain access to the insurer’s provider network.
