Corporate health insurance for employers

Corporate Health Insurance.
The employee benefit that really keeps healthy.

With CrewCare, the corporate health insurance (bKV) from ottonova, you give your employees a benefit that they really need and use: a flexible health budget - from dental prostheses and preventive care to glasses.

  • Increase attractiveness as employer One third would change employer for better benefits (WTW study)

  • From 5 employees & low administrative effort Digital processing and service billing

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Free & non-binding consultation Discover tariff now

The highlights of ottonova CrewCare at a glance.

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No waiting period or health check

Employees benefit from the full health budget right from the start without having to go through a waiting period or health check, and pre-existing conditions are also covered. In addition, there is no disadvantage if employees join the company during the year and the full budget can be used.

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Digital, simple and multilingual

With the ottonova app, everything is in one place: support in German and English via chat, get doctor's appointments booked for you and easily submit invoices.

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Reimbursement for health apps

In addition to many other top benefits, your employees benefit from the reimbursement of health apps such as Apple Fitness+, Freeletics and Headspace.

CrewCare - Details

The tariff in detail - The budget model

ottonova's CrewCare tariff setting allows employers to optimally use different annual health budgets individually and flexibly for single employee groups. A total of five different budget levels are available, with all offering the same benefits.

Yearly budget 300 € 600 € 900 € 1.200 € 1.500 €
Employer premium 13,21 € 22,55 € 31,18 € 38,75 € 44,04 €

*Premiums are independent of the age of the insured person. Exemption from premium payment is possible for a maximum of 12 months per child during parental leave, family care leave, sabbatical, or long-term unemployment.

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Visual aids

glasses and contact lenses are covered up to € 200 per year at 100%. The benefit increases by € 25 per budget level.

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Alternative practitioners

The CrewCare tariff also covers up to 100% of the costs of alternative practitioner treatments.

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Hearing aids

Hearing aids are also covered by CrewCare, including any co-payments.

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Dental treatments

Dental treatments, such as root canal or periodontal treatments, are also covered up to the maximum rate.

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Dental prostheses

Dental prostheses, such as inlays or implants can be expensive and are covered at 100% under the CrewCare plan.

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Dental prophylaxis

We reimburse 100% for prophylactic services at the dentist's office, including professional teeth cleaning and bleaching up to €125.

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Digital Health

Employees have an annual budget of € 200 for digital health applications. It increases by € 25 per budget level.

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Medical aids

Medically prescribed aids, such as hearing aids, crutches, or wheelchairs, are insured at 100%, including any co-payments.

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Pharmaceuticals / cures

All medically prescribed remedies and medicines are also covered by ottonova corporate health insurance without any co-payments.

How to proceed now?

Request a non-binding consultation with our expert.

Get a consultation

Corporate health insurance

CrewCare: The entire crew wins.

The ottonova CrewCare tariffs can be taken out by companies with 5 or more employees and thus provide the best possible cover for the health of their "crew". Both public and private health insurance employees will benefit from this additional health protection.

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Advantages for you as an employer

  • More than just a benefit: our corporate health insurance (bKV) protects your employees' health and increases their wellbeing.
  • Cost-effective alternative to salary increase: Generally considerably cheaper than a salary increase - with the same value for your employees.
  • Age-independent premiums and tax advantages: Together with other benefits, up to €50 per month tax and social insurance free.
  • Low administrative effort: Uncomplicated digital processing and support during the introduction of bKV & support for your employees getting started.

Advantages for your employees

  • No premium costs: premiums financed entirely by the employer.
  • No health check, no waiting periods: All planned and recommended treatments are covered. Open to all employees: Applies equally to those with statutory and private health insurance.
  • Top benefits: €200-300 per year for visual aids and €200-300 per year for health apps, preventive care and vaccinations.
  • Multilingual at all levels: From our app and support to documents and informative videos.

Are you interested in our corporate health insurance offer for companies?

Then simply request a free, no-obligation consultation to clarify any questions and find the best solution for your company.

Get a consultation

It's easy to provide ottonova CrewCare for your employees.

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Contract closure

You conclude the contract completely digitally in dialog with us.

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Optional: Grouping

You divide your employees into groups and assign one budget level of our tariff to each group.

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Conclusion / registration

You register employees digitally via our tool.

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Onboarding

We provide your employees with onboarding to the health budget and the digital services of the ottonova app.

Our digital services in corporate health insurance.

We offer our policyholders all functions and services in one app in German and English.

The innovative ottonova app: time-saving, user-friendly and, thanks to individual language settings, the perfect solution for international teams too.

Our app - a real multi-talent

Our app - a real multi-talent

  • Keep track Find all the tariff information in your profile at a glance and change it if necessary.
  • Fast refunds of your invoices Upload your invoice via app - receive money back within a few days.
  • Perfectly organized, without paperwork We sort your documents and events chronologically in your app.
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We'll do the work for you.

We'll do the work for you.

  • Appointment service Our Concierge service arranges your medical appointments.
  • Health advice Answers all your health and medical insurance questions
  • Service abroad Fast, reliable & digital at your side for help.
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Digital doctor’s visit

Digital doctor’s visit

  • Video Consultations with our Partner TeleClinic Don’t want to leave your home? No problem! TeleClinic doctors are available to provide you with digital consultations 24/7, including Sundays and public holidays.
  • Save Time Receive medical certificates and prescriptions through telemedicine consultations. As fully insured ottonova-member, you’ll often benefit from priority consultations within 30 minutes.
  • Second Opinion Wondering if a procedure is really necessary? We’ll help you get a well-founded second opinion.
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Do you have any questions?

We'll do everything we can to help you make an informed decision.

Contact our expert Lukas directly or simply request a consultation call.

You can use the contact form to reach us and we will call you back.

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Lukas Härle

Key Account Manager bKV
Companies with 5+ employees
(+49) 171 5243397 bkv@ottonova.de
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The most frequently asked questions about corporate health insurance

Companies based in Germany can take out corporate health insurance with us.

Conclusion is possible from as few as 5 employees (even if not all of them participate)*.
*from budget level 900

Both statutory and privately insured persons can benefit from our bKV offer.

Yes.

No, a risk assessment is not necessary.

Yes.

No, the contributions are uni-age.

Not at the moment. However, this option is planned for the future.

Not at the moment. However, this option is planned for the future.

Yes.

There are several options for this.

  • Model 1: Employees pay the tax.
  • Model 2: Employer pays the individual tax.
  • Model 3: Employer pays the flat-rate tax.
     

Monthly payment of premiums is common.

The minimum contract term for ottonova bKV is two years.

Insurance cover begins immediately after taking out the policy without a waiting period.

No.

After a consultation with our expert, the contract is finally concluded digitally via the “Xempus” platform. 

Your employees will receive an e-mail with information about the start of the insurance. Onboarding documents will also be provided.

Still not sure?

Then let's talk on the phone - free of charge and without obligation.

Get a consultation