Wir für Gesundheit

What Wir für Gesundheit does

Wir für Gesundheit GmbH is a Berlin-based private limited company (GmbH) that operates what it describes as Germany's largest healthcare quality network, comprising approximately 450 partner clinics and over 1,000 ambulatory partners nationwide. Its core product is the PlusCard, a corporate supplementary health insurance offering that provides privately insured patient comfort (single or double rooms, chief physician treatment), specialist appointment coordination, second medical opinion services, and access to a Vorteilswelt discount portal for employees of German companies. The product is sold exclusively through a B2B2C motion targeting German employers of 10 or more employees, positioned as a tax-exempt benefit within the €50/month Sachbezugsfreigrenze.

The company's product surface has expanded beyond the core hospital-comfort PlusCard to include a modular suite of supplementary tariffs: ZahnPlus dental coverage, ZahnPro-F professional dental cleaning, AmbulantPlus for outpatient alternative medicine, VorsorgePlus (a 24-hour psychosocial EAP hotline), ReisePlus travel health insurance, Flex F flexible health budgets, and bundled DebekaCare packages. Underlying technology is modest: a proprietary employer-facing PLUTO online administration tool for managing group enrollments, plus an online reception service powered by 321 MED GmbH for digital patient-clinic communication and appointment coordination. No public APIs, SDKs, or developer integrations are offered.

All PlusCard and supplementary tariff insurance is underwritten by Debeka Krankenversicherungsverein a.G., which increased its ownership of Wir für Gesundheit from approximately one-third in summer 2020 to 90% by year-end 2022/2023. Revenue is generated on a recurring monthly per-employee subscription basis, with Debeka handling premium billing and claims processing. The company holds a registered German insurance broker license (§34d Abs. 1 GewO) and operates exclusively within Germany.

Name

Wir für Gesundheit

Legal name

Wir für Gesundheit GmbH

Website

https://wir-fuer-gesundheit.de

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Wir für Gesundheit is a Berlin-based corporate health benefits provider operating Germany's largest quality healthcare network of ~450 partner clinics and 1,000+ ambulatory partners. It offers PlusCard supplementary health insurance to German employers and their employees, underwritten by 90% owner Debeka.

Ownership category

akta.pro rank

Product category

Corporate Supplementary Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

akta.pro secondary industries

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Corporate health insurance
• Supplementary health benefits
• Healthcare quality network
• Employer benefits program
• Insurance broker services

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Corporate Health Insurance Premiums (PlusCard): Employers pay monthly per-employee premiums for the PlusCard corporate supplementary health insurance. The insurance is underwritten by Debeka Krankenversicherungsverein a.G. The premium rates vary by tariff (Comfort €4.91, Select €17.67, Premium €21.48, Prevent €75.01 per employee per month). Additional supplementary tariffs (ZahnPlus, AmbulantPlus, VorsorgePlus, ReisePlus, Flex F health budget) add further per-employee monthly fees. Debeka bills employers directly; premiums are treated as employer-provided benefits within the €50/month tax exemption limit. Revenue is recurring, monthly, and tied to the number of enrolled employees.
2. PlusCard Family Premiums: When employers opt into the Family option, additional per-person monthly premiums are charged for enrolled family members (spouse/partner and children). Family premiums can be employer-financed or employee-financed (deducted from net salary). This extends the recurring revenue per employer group.
3. Debeka Group Insurance Partnership: Wir für Gesundheit operates as an official insurance broker and co-developer of Debeka's corporate health insurance products. Revenue is generated through the insurance partnership, with Debeka holding a 90% ownership stake in Wir für Gesundheit GmbH as of January 2023.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels11 records

Core offering

Wir für Gesundheit distributes the PlusCard, a corporate supplementary health insurance product co-developed with Debeka Krankenversicherungsverein a.G., sold to German employers as a tax-free employee benefit (within the €50/month Sachbezugsfreigrenze). The product provides private-patient comfort (single/double rooms and chief physician treatment) at ~450 partner clinics and all German acute-care hospitals, plus managed-care services (specialist appointment coordination, medical second opinion) and a benefits portal (Vorteilswelt). Supplementary modules (ZahnPlus, ZahnPro-F, AmbulantPlus, VorsorgePlus/EAP, ReisePlus, Flex F health budget, and bundled DebeCare packages) extend coverage to dental, ambulatory alternative medicine, psychosocial counseling, international travel, and flexible health spending.

Product overview

Wir für Gesundheit operates a platform-plus-modules architecture centered on the PlusCard, a corporate supplementary health insurance product developed in partnership with Debeka Krankenversicherungsverein a.G. The core PlusCard system offers four tariff levels (comfort, select, premium, prevent) providing privately insured patient comfort in hospitals, specialist appointment coordination (Facharzt-Terminservice), medical second opinions, and access to Germany's largest quality medical network of approximately 450 partner clinics and ~1,000 outpatient providers. The Family extension (PlusCard Family) allows employees to extend coverage to spouses and children. Complementary to the PlusCard, the company offers a suite of modular supplementary insurance products including ZahnPlus dental insurance (EZ 30-F through EZ 100-F), ZahnPro-F for professional dental cleaning, AmbulantPlus for outpatient alternative treatments, ReisePlus for international travel coverage, VorsorgePlus (EAP) for 24/7 psychosocial support, Flex F flexible health budget, and DebeCare combined package tariffs. All products are administered through the PLUTO employer portal and the 321 MED-powered online reception service. A Vorteilswelt benefits portal provides employees with discounts across fitness, health, leisure, and shopping categories.

Differentiator

Problem solved

Functional benefit

Brands

• PlusCard: Corporate supplementary health insurance product offering private patient comfort in partner clinics, specialist appointment services, second medical opinions, and a benefits world with discounts.

Products and services

• PlusCard (corporate supplementary health insurance) Corporate supplementary health insurance card that gives employees private-patient comfort (single or double rooms and chief-physician treatment) in all German acute-care hospitals, plus coordinated managed-care services (specialist appointment booking, medical second opinion via 321 MED Online-Rezeption) and access to the Vorteilswelt discounts portal. Underwritten by Debeka Krankenversicherungsverein a.G. and sold through German employers as a workforce benefit.
• PlusCard Family Optional family-coverage add-on to PlusCard extending the same private-patient comfort, specialist appointment coordination, second opinion, and Vorteilswelt benefits to the employee's spouse/partner and children; each family member receives their own PlusCard.
• ZahnPlus (EZ 30-F / EZ 50-F / EZ 70-F / EZ 100-F) Standalone dental supplementary insurance module offered in four tiers to German employers, covering dental prostheses, implants, fillings, inlays, and repairs at reimbursement rates between 30% and 100%. No health examination is required.
• ZahnPro-F Add-on to any ZahnPlus tariff that reimburses professional dental cleaning up to €150 per calendar year per insured employee.
• VorsorgePlus (Employee Assistance Program) Round-the-clock Employee Assistance Program (EAP) providing psychosocial counseling, medical advice, care management, and crisis support to employees and their families.
• AmbulantPlus Ambulatory supplementary insurance covering alternative medicine (naturopathy, acupuncture, homeopathy) and reimbursements for visual aids, medical aids, medications, and medical transport up to fixed annual maximums.
• ReisePlus Annual travel health insurance for employees covering outpatient, inpatient and dental treatment abroad, rescue/transport costs, and repatriation, globally valid for up to 70 days per policy year across unlimited trips.
• Flex F (GesundheitsBudget) Flexible annual health budget product letting employees allocate employer-funded allowances across dental cleaning, outpatient alternative treatments, glasses/surgery, hearing aids, medications, preventive care, and wellness, in five budget tiers from €300 to €1,500 per year.
• DebeCare (Base / Plus / Best bundled package) Bundled corporate supplementary insurance package that pre-combines ZahnPlus, PlusCard, ReisePlus, and a health budget into three performance tiers (Base, Plus, Best) for straightforward employer purchasing.
• PLUTO employer administration tool Online self-service portal that lets German employers manage their PlusCard portfolio — enrollments, cancellations, data updates, and card ordering — without manual processing.
• Vorteilswelt employee benefits portal Discount and benefits portal for PlusCard holders offering exclusive offers across fitness, health, wellness, family/leisure, hotels, and shopping categories.

Quantifiable outcome

• covidcare program participants reduced work incapacity by 50% (as reported by partner program for Long Covid patients)

Named customers19 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core.

• 321 MED GmbHcoreTechnology or Integration321 MED provides the online reception service used by PlusCard holders to contact the managed care team for specialist appointment coordination and second medical opinions. The service enables digital communication between patients and the healthcare network. Wir für Gesundheit uses 321 MED as the platform for its Managed Care Service Hotline.
• AGAPLESION Frankfurter Diakonie Kliniken gGmbHcoreStrategic or Co-development PartnerA major hospital group operating multiple facilities in Frankfurt, serving as a partner clinic within the Wir für Gesundheit quality network. Recognized by the FAZ-Institut as one of 'Deutschlands beste Krankenhäuser 2022'. PlusCard holders receive private patient comfort and managed care access at these facilities.
• ALB FILS KLINIKEN GmbHcoreStrategic or Co-development PartnerA hospital group operating Klinik am Eichert and Helfenstein Klinik in Göppingen, Germany. Partner clinic with a broad range of specialties including oncology, cardiology, and orthopedics. Also recognized for integrative medicine programs including the Institute for Integrative Medicine (IFIM).
• Asklepios Kliniken Hamburg GmbHcoreStrategic or Co-development PartnerOne of Germany's largest hospital operators with facilities across the country. As a partner clinic network, Asklepios provides PlusCard holders with access to its network of hospitals offering general and specialized care.
• Gemeinschaftsklinikum Mittelrhein gGmbH (Kemperhof)coreStrategic or Co-development PartnerMulti-site hospital network in the Koblenz region with Kemperhof as its main facility. Certified cancer center, stroke unit, and trauma center. Features a broad range of specialties and serves as a key regional partner in the network.
• Klinikverbund Südwest GmbH (Kliniken Nagold)coreStrategic or Co-development PartnerHospital network in the southwest of Germany operating multiple facilities including Kliniken Nagold. Provides general and specialized surgical services to PlusCard holders within the network.
• Klinikum Landsberg am LechcoreStrategic or Co-development PartnerDistrict hospital serving the Landsberg am Lech area, recognized by Focus as a TOP Regional Hospital in Bavaria 2022. Certified endoprosthetics and trauma center. Provides PlusCard holders with comfort station services.
• Leopoldina-Krankenhaus der Stadt Schweinfurt GmbHcoreStrategic or Co-development PartnerMajor hospital in Schweinfurt with multiple specialized departments and certified centers including a colorectal cancer center and endoprosthetics center. Offers comprehensive care across neurology, oncology, orthopedics, and more.
• RKH Gesundheit (formerly RKH Kliniken)coreStrategic or Co-development PartnerRegional clinic holding and services company operating multiple hospitals including the large Klinikum Ludwigsburg. A comprehensive partner covering all major medical specialties and offering telemedicine services.
• BG Klinikum Unfallkrankenhaus Berlin gGmbHcoreStrategic or Co-development PartnerSpecialized accident and trauma hospital in Berlin serving as a referral center for complex trauma cases. Operates a European Hand Trauma Center and overregional stroke unit. Provides specialized surgical care to PlusCard holders.
• Vivantes Netzwerk für Gesundheit GmbHcoreStrategic or Co-development PartnerBerlin's largest municipal hospital operator, managing multiple hospitals including Vivantes Klinikum am Urban. Provides comprehensive general and specialized care services to PlusCard holders.
• Helios Kliniken GmbHcoreStrategic or Co-development PartnerGermany's largest private hospital operator, with multiple facilities integrated into the Wir für Gesundheit network, including DKD Helios Klinik Wiesbaden, Helios Amper-Klinikum Dachau, and Helios Klinikum Hildesheim. Recognized by Focus for regional and national excellence.
• Brüderkrankenhaus St. Josef Paderborn (Barmherzige Brüder Trier gGmbH)coreStrategic or Co-development PartnerCatholic hospital in Paderborn operating specialized centers including an oncology center, colorectal cancer center, lung cancer center, and spine center. Offers next-generation comfort station services to PlusCard holders.
• Klinikum DarmstadtcoreStrategic or Co-development PartnerMajor acute care hospital in Darmstadt serving as both a partner clinic and a PlusCard employer customer (insuring all its own staff). Operates comprehensive medical services across all major specialties.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• HUK-COBURG Krankenversicherung: Large German mutual insurer with private health and corporate group benefits products. Comparable in targeting mid-market German employers with supplementary health offerings.
• Debeka Krankenversicherungsverein a.G. Wir für Gesundheit's 90% parent and the underlying insurance carrier for all PlusCard products. Debeka is Germany's largest private health insurer by membership and offers parallel corporate health products directly, making it both the strategic owner and the closest competitive benchmark for the same product set.
• DKV Deutsche Krankenversicherung: Major German private health insurer (ERGO Group / Munich Re subsidiary) offering group and worksite supplementary health insurance products to corporate clients. Comparable in product breadth and Germany-wide employer distribution.
• Allianz Private Krankenversicherung AG: Subsidiary of Allianz SE offering private health insurance to both individuals and groups in Germany. Competes for the same corporate benefits wallet with broader product portfolio and stronger brand recognition.
• R+V Krankenversicherung AG: Part of the R+V Versicherungsgruppe (DZ Bank Group), offering private health and supplementary insurance to corporate clients. Comparable Germany-wide employer benefits distribution.
• AXA Krankenversicherung AG: One of Germany's largest private health insurers with established corporate group health products including worksite supplementary cover. Operates as a broad incumbent with overlapping employer benefits offerings.

Direct peers

• Barmenia Krankenversicherung a.G. One of Germany's largest private health insurers with a long-standing corporate health program (Mehr Gesundheit) targeting small and mid-sized employers. Closely comparable corporate health benefits product mix and B2B2C distribution model.
• Continentale Krankenversicherung a.G. Mid-sized German private health insurer with strong corporate health and supplementary benefits focus. Comparable mid-tier peer targeting employer groups with modular supplementary products.
• Signal Iduna Krankenversicherung: Mutual insurance group with a German private health insurance arm offering corporate and group health products. Comparable in B2B2C distribution to mid-sized employers.

Emerging players

• Ottonova Holding AG: Germany-focused digital-first private health insurer targeting individuals and corporate groups. Operates as a newer-generation challenger with a tech-led approach to supplementary health, adjacent to PlusCard's employer channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mitarbeitergesundheit
• Xx.com/wfg_netzwerk

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wir für Gesundheit