Corporate health insurance for employers

The highlights of ottonova CrewCare. Corporate health insurance your team will love.

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.

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.

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 - budget model, costs & services.

Healthy employees, strong company. One budget for everything – as individual as your employees: they receive a personal health budget and use it exactly where they need it.

CrewCare 300 Annual health budget per employee €300

CrewCare 600 Annual health budget per employee €600

CrewCare 900 Annual health budget per employee €900

CrewCare 1200 Annual health budget per employee €1200

CrewCare 1500 Annual health budget per employee €1500

CrewCare - Details

The tariff in detail - budget model, costs & services.

Healthy employees, strong company. One budget for everything – as individual as your employees: they receive a personal health budget and use it exactly where they need it.

	Tariff CrewCare 300 CrewCare 300	Tariff CrewCare 600 CrewCare 600	Tariff CrewCare 900 Experts' recommendation CrewCare 900	Tariff CrewCare 1200 CrewCare 1200	Tariff CrewCare 1500 Top performance CrewCare 1500
	CrewCare 300	CrewCare 600	CrewCare 900	CrewCare 1200	CrewCare 1500
Annual health budget
Annual health budget	€300	€600	€900	€1200	€1500
Employer contribution per month per insured employee	€13.21	€22.54	€31.17	€38.74	€44.03
Outpatient
Visual aids (e.g. glasses/contact lenses)	up to €200 per year	up to €225 per year	up to €250 per year	up to €275 per year	up to €300 per year
Elective Vision Correction Surgery (i. e. LASIK)
Alternative practitioner
Osteopathic services
Alternative medicine by physicians
Medication
Therapy (i. e. massages, occupational therapy, physical therapy)
Kinesiotaping
Medical devices (i. e. hearing aids, wheelchairs)
Dental
Dental treatment
Dental prostheses (including inlays and implants)
Professional dental cleaning and bleaching	max. €125 per year	max. €125 per year	max. €125 per year	max. €125 per year	max. €125 per year
Additional services
Health apps (e.g. Apple Fitness+)	up to €200 per year	up to €225 per year	up to €250 per year	up to €275 per year	up to €300 per year
Preventive medical checkups	up to €200 per year	up to €225 per year	up to €250 per year	up to €275 per year	up to €300 per year
Preventative vaccinations	up to €200 per year	up to €225 per year	up to €250 per year	up to €275 per year	up to €300 per year
ottonova Concierge
Doctor's appointments arranged by our concierge
Exemption from contributions	up to 12 months	up to 12 months	up to 12 months	up to 12 months	up to 12 months
This is a summary of the coverage details with maximum rates and reductions. Please note that this table is not conclusive. You will find all tariff-details such as the concrete requirements and limitations for the reimbursement in the tariff and insurance conditions of the respective tariff. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only. The terms and conditions of the individual insurance contract shall prevail and apply.

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.

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.

Contract closure

You conclude the contract completely digitally in dialog with us.

Optional: Grouping

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

Conclusion / registration

You register employees digitally via our tool.

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

• 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.

Learn more now

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.

Learn more now

CrewCare - get an offer now

Request your consultation now and receive a tailor-made offer from our company health insurance experts.

Lukas Härle

Key Account Manager bKV
Companies with 5+ employees

(+49) 171 5243397 bkv@ottonova.de

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Downloads

Documents at a glance

• 

  Onepager for employers

• 

  Product information sheet

• 

  Tariff and insurance conditions

• 

  Customer information

• 

  CrewCare - ebook for employers

The most frequently asked questions about corporate health insurance

Who can take out a corporate health insurance policy?

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

What is the minimum number of employees that must work for the company in order to be eligible for bKV?

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

Can the tariff be taken out exclusively for those with statutory health insurance or as a supplement to existing private health insurance?

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

Is it possible to take over treatments that have already been planned?

Yes.

Does a risk assessment have to be carried out?

No, a risk assessment is not necessary.

Are pre-existing conditions also covered?

Yes.

Do the premiums depend on age?

No, the contributions are uni-age.

Can the insurance be continued after leaving the company?

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

Can family members also be insured?

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

Are the corporate health insurance premiums deductible as business expenses?

Yes.

How can corporate health insurance be taxed?

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.
   

Which payment method is possible?

Monthly payment of premiums is common.

How long is the minimum contract term?

The minimum contract term for ottonova bKV is two years.

When does the insurance cover begin?

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

Are there waiting times?

No.

How can I take out ottonova bKV?

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

How are employees informed about their bKV?

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.

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