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More outpatient services for those with statutory health insurance, an attractive healthcare package for businesses, and a flexible option for switching to private health insurance
From October 2026, ERGO is expanding its health services. Three new supplementary outpatient plans enhance preventive care for those covered by statutory health insurance (GKV); a new supplementary corporate plan allows companies to offer their employees an attractive health package; and a new optional plan guarantees the freedom to switch to private comprehensive health insurance (PKV) for up to 15 years.
The new “Health & Prevention” plans from ERGO Krankenversicherung AG (EKV) support those with statutory health insurance by providing subsidies for health check-ups and preventive medical examinations beyond the scope of statutory cover. Policyholders can choose between three plans “Basic”, “Smart” and “Best”. Whilst all three provide subsidies for visual aids such as eyeglasses, contact lenses and laser eye surgery, the two higher tiers “Smart” and “Best” also cover devices such as hearing aids.
These policies can be taken out without having to answer any health questions and with no waiting periods. The benefits apply from the start of the contract.
Today, many people want to take more responsibility for their own health. With our new ‘Health & Prevention’ products, we’re supporting our customers by offering comprehensive benefits that go beyond statutory protection, whilst placing the focus on early detection and self-care.
Supplementary plan for companies: “CorporateMed”
With “CorporateMed”, DKV Deutsche Krankenversicherung AG (DKV) is launching an attractive insurance plan that companies can offer their employees under group policies.
These policies can be taken out without having to answer any health questions; also, there are no waiting periods. The benefits package includes many services often not/not fully covered by statutory insurance, such as visual aids, preventive care, alternative practitioners, and dental care. This is complemented by services such as a booking service for doctor’s appointments, online consultations, and psychological counselling.
The product is designed for companies that wish to offer their employees health benefits without introducing a traditional corporate health insurance scheme: through the group insurance policy, companies provide their employees with access to an attractive range of supplementary insurance cover options on particularly favourable terms. Employees can decide individually whether to take out the policy. There are no costs for the companies.
With ‘CorporateMed’, we are bringing together solid benefits and innovative services in a single product. This enables companies to offer their staff an exclusive health scheme in addition to statutory cover, thereby also enhancing their appeal as employers.
Optional plan “KombiMed Option OPT15”
DKV’s new “KombiMed Option Tarif OPT15” plan offers an early-bird discount for those with statutory health insurance who wish to keep the option of subsequently switching to private health insurance. Recording policyholders’ state of health at the time they take out the policy allows them to join a private health insurance scheme later without having to undergo a further medical assessment. The option remains open for up to 15 years.
This plan is particularly suitable for students, those just starting their careers, and those planning to be self-employed. Even those who already have comprehensive private health insurance with rival providers can use this plan to secure the option of subsequently switching to DKV within a two-year period.
Anyone who wants to keep all their options open and have greater flexibility in their planning should make sure they secure this option. With our new plan, those with statutory health insurance can do just that: secure their option to switch to DKV’s comprehensive health insurance at a later date, even if the legal requirements have not yet been met.
ERGO is one of the leading international insurance groups and operates in over 20 countries worldwide. The Company offers its retail and corporate customers a broad product portfolio in all the main classes of insurance as well as comprehensive assistance and other services. Three units operate under the umbrella of ERGO Group AG: ERGO Deutschland AG, ERGO International AG and ERGO Technology & Services Management AG. The German and international businesses as well as the management of IT and technology services are organized in these units. More than 36,000 people work either as salaried employees or self-employed sales representatives for the Group. In the 2025 financial year, ERGO generated insurance revenue of 21.7 billion euros and a net result of 917 million euros. ERGO is part of Munich Re, one of the world's leading reinsurers and risk carriers.
More at www.ergo.com and on LinkedIn.
For almost 100 years, DKV has been a leading force in healthcare with its needs-based and innovative products. As a specialist, it offers comprehensive health and long-term care insurance cover as well as health services for privately and statutorily insured customers. Organizing high-quality medical care is also one of DKV’s core competencies. In 2025, the company generated premium income of 5.7 billion euros. As a health insurance specialist, DKV is part of ERGO and thus of its parent company Munich Re, one of the world’s largest reinsurers and risk carriers.
More at www.dkv.com
This media information contains forward-looking statements that are based on current assumptions and forecasts of the management of ERGO Group. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forward-looking statements or to conform them to future events or developments.
