Allianz advice in Munich · nationwide online · PKV · bKV · bAV
Private health insurance and company provision– Advice in Munich and nationwide. With a system, not tariff chaos.
Christian Kometer develops health and provision strategies for people and companies who are not looking for just any insurance, but for a clear decision that will still hold in ten, twenty or thirty years.
You don't need to decide everything today. It is enough to make the most important lever visible: PKV, bKV, bAV or private pension provision. That is exactly what the first conversation is for.
Location: Gauting near Munich - advice nationwide - in person, hybrid and digital
Background images AI-generated
Short answer
What does Christian Kometer stand for?
For specialised advice on private health insurance, company health insurance, company and private pension provision, and accident insurance — from the perspective of a practitioner who has worked in the insurance and healthcare system since 1992. Allianz General Agency Gauting near Munich: Allianz advice in Munich in person, insurance advice online throughout Germany.
Specialisation instead of a product jungle
The four core fields where advice really counts.
Everything else is deliberately treated as a by-product. The focus is where mistakes become costly and good decisions have an effect for years: health insurance, provision and accident cover.
Private health insurance
For the self-employed, entrepreneurs, executives, doctors and discerning employees.
- Tariff structure instead of a quick comparison
- Considering benefits, premiums and ageing reserves together
- Thoroughly checking daily sickness benefit (Krankentagegeld), family, options and switching
Company health insurance
The health benefit employees experience immediately, not only in 30 years’ time.
- Increasing appeal in recruiting
- Making appreciation visible
- Digital administration and clear communication
bAV & private pension provision
Security for later, relief today, and provision that fits your life stage and income.
- Putting salary conversion (Entgeltumwandlung) and employer contribution into context
- Strategically building provision for shareholder-managing directors (GGF)
- Adding private pension and wealth concepts
Group accident insurance & private accident insurance
Protection for staff and family when an accident has consequences – around the clock, worldwide, including leisure time.
- Group accident insurance as an employer benefit
- Private accident insurance with disability benefit and rehabilitation management
- Child accident insurance for the family
Private health insurance in Germany
PKV is not a question of price. PKV is a decision for life.
Anyone with private health insurance does not simply buy “a tariff”. They are deciding on access to medical care, the benefits promised, premium logic, flexibility and quality of cover for decades to come.
Our PKV review
Advice does not start with a tariff name, but with the questions that matter later.
Scope of benefits
Outpatient, inpatient, dental, psychotherapy, medical aids, cover abroad, options.
Premium architecture
Premium today, ageing reserves, excess, daily sickness benefit, family phase.
Flexibility to switch and future readiness
What happens with a career change, self-employment, children, income, health?
Company health insurance
Care becomes value creation.
Companies that treat health strategically gain more than an insurance product. They gain a visible sign of modern leadership, retention and responsibility.
Depending on the Allianz concept, employees can be enrolled without a health check and without waiting periods. What matters is a well-designed structure: which groups? which building blocks? How is the benefit communicated? How is take-up made easy?
Why bKV has such a strong emotional effect
Company health insurance is not a fruit basket. It says: “Your health matters to us.” Employees feel that message immediately.
Company & private pension provision
Provision must be understandable, or it will not be put into practice.
bAV and private pension provision have their full effect when incentives, risk, flexibility and communication fit together. That is exactly where it is decided whether a concept is accepted.
For employers, it is about a system that employees understand and HR can administer cleanly. For private individuals, it is about a retirement concept that fits their income, family, need for security and appetite for opportunity.
Typical advisory topics
Our research work and the BSFZ confirmation
The platform that rethinks the human factor.
Since February 2026, the research and development work has held a confirmation from the Bescheinigungsstelle Forschungszulage (BSFZ), February 2026, as eligible research and development. At the centre is the development of systems that measurably increase performance and productivity through the human factor.
Europe as the basis for development and trust: Europe forms the foundation for data protection, quality, regulation and measurable impact. International scaling is designed from here — with a system architecture that treats the human factor not as a cost centre, but as a centre of performance.
Next development stage — consent-based data value creation for measurable impact: Use generates a consent-based, anonymised data foundation for studies, analyses, benchmarks, KPI evaluations and evidence of impact. This makes visible which measures actually improve productivity, health, performance, cost structure and key KPIs.
The advisory process
Five steps that make complexity simple.
Good advice feels calm. Because you understand what matters, what can wait, and which next step has the greatest impact.
Clarity
Your starting point, goals and risks become clear in plain language.
Priority
PKV, bKV, bAV or pAV: we determine which lever counts first.
Concept
The result is not a stack of tariffs, but a robust provision system.
Implementation
Digital processes, documents, communication and decision paths are prepared.
Ongoing support
Health and provision change over time. That is why the concept remains open to review.
About Christian Kometer
Health is not a cost factor — it is the foundation for performance, security and the future.
A personal profile of the experience, expertise, awards, continuing education, attitude and drive behind the Allianz General Agency Christian Kometer.
Short profile and specialisation
Christian Kometer is a qualified insurance clerk (Versicherungskaufmann), a qualified insurance specialist (Versicherungsfachwirt), an entrepreneur, an Allianz general agent and a developer of company health systems. Since 1992, he has worked intensively with health, health insurance systems and insurance concepts for the healthcare provision of people and companies. His particular expertise lies in combining private health insurance, company health insurance, company pension provision and accident insurance.
For Christian Kometer, health is not just a professional field, but the central theme of his life. For over 33 years, he has seen how strongly health determines quality of life, performance, security and future opportunities. This experience gave rise to his passion not only for protecting people and companies, but for giving them better access to medical care, prevention, provision and health-related performance.
His mission is clear: health, business economics and the wider economy belong together. Anyone who understands these three areas as one system creates the foundation for long-term performance, lasting business success and stable social development.
Career path and expertise
His career began with training at Versicherungskammer Bayern / Bayerische Beamtenkrankenkasse, with a focus on private health insurance. This was followed by his qualification as an insurance specialist (Versicherungsfachwirt), the trainer aptitude examination, and, from 2000, building a specialised Allianz General Agency. Over the decades, Christian Kometer developed deep expertise in private health insurance, company health insurance, company pension provision, managing-director provision and holistic health and provision concepts.
Education and continuing training as a lasting principle
A significant part of this expertise came from continuous education and training. Christian Kometer has never regarded his professional development as finished. Even during his time at Versicherungskammer Bayern, he took part in leadership development programmes. Later, he deepened his knowledge through part-time study for the Versicherungsfachwirt qualification and the trainer aptitude examination. In the years that followed, countless specialist courses were added in private health insurance, company health insurance, company pension provision, social insurance, healthcare provision, sales, leadership and business development.
From 2019, a further intensive phase of development followed with training at the Jürgen Höller Akademie. There he completed, among other things, the Lifeing series, the Aquila seminar, and programmes on revenue growth, rhetoric, sales, marketing, management, business leadership and personal development. In addition, for around a year and a half he was supported by an experienced coach on business topics, questions of setting up a company, mental strength and personal development. This continuous further training is a key reason why Christian Kometer combines specialist knowledge, communication, leadership, sales and entrepreneurial thinking at a high level.
Awards and top performance
His numerous awards within the Allianz network — including 22 Gold memberships, five memberships of the Dr. Hans Hess Club, six awards in the Siegergemeinschaft Personenversicherung (top-performers’ community for personal insurance), and honorary membership of the Ring der Großakquisiteure Gold — stand for sustained top performance, high professional competence, exceptional depth of advice and sales excellence in personal insurance, health and provision. These achievements show that his strength lies not only in sales, but in the ability to design complex health provision solutions that are understandable, robust and individually suited.
Attitude, execution and personal drive
Christian Kometer stands for solution-oriented action, determination and consistent follow-through. He does not think in problems, but in paths, possibilities and outcomes. His strength lies in staying calm even in difficult situations, quickly grasping how things connect, developing robust solutions and steering conversations purposefully towards success. He holds himself to a high standard: working to a professional standard, taking responsibility, acting reliably, and always giving his best for clients, companies and projects.
His personal drive also comes from his own experience. Deafness in one ear and severe depressive episodes challenged him physically, mentally and emotionally for years. Because of this, he knows from personal experience that health cannot be taken for granted. This experience has further strengthened his passion for health solutions: he wants to show people that a good life, performance and success are possible even with health limitations — when care, prevention, mental strength, structure and the right systems work together.
Health as a system of people, companies and society
Christian Kometer understands health as a link between personal performance, business productivity and macroeconomic stability. For him, health insurance, company health insurance, provision and accident cover are not individual products, but building blocks of a larger system: providing better care for people, making companies more capable, and embedding health as the foundation of lasting success.
In 2025, Christian Kometer founded a company for corporate health solutions, gaining valuable additional knowledge about company structuring, governance, capital structure, participation models and investor readiness. Active scaling was deliberately postponed at first, as the research and platform development still needed to mature. In February 2026, he received research recognition through the BSFZ seal 2026 for his development work in health, productivity and performance.
Path, knowledge, impact
Training as an insurance clerk (Versicherungskaufmann)
Versicherungskammer Bayern, laying the foundation in insurance and social insurance systems.
Sales, law & leadership development
Focus on private health insurance and the German social insurance system.
Versicherungsfachwirt (qualified insurance specialist), BWV
Part-time evening study, supplemented by the AEVO trainer examination in 2000.
Allianz General Agency Christian Kometer
Building a specialised agency for PKV, bKV, bAV, GGF provision and benefits.
Jürgen Höller Akademie & coaching
Business development, marketing, leadership, rhetoric, sales, personal development.
BSFZ confirmation for research and development
Development of a platform that rethinks the human factor — with a foundation for identifying company and personal performance factors, a Benefits Cockpit for company steering, an app for individual support, and internationally scalable data value creation for studies, benchmarks, KPI evaluations and evidence of impact.
The full CV of Christian Kometer as a PDF.
Education, career path, training, specialisations, awards and personal profile in one document.
Our team
The team at Allianz General Agency Christian Kometer
Christian Kometer, Sabine Muskinja, Violetta Rudovich and Julia Zazkin.
Christian Kometer
CEO
Sabine Muskinja
Expert in corporate health & provision solutions
Violetta Rudovich
Expert in provision and customer service
Julia Zazkin
Graphic designer/SMM
What our clients say
Trust grows where advice truly holds up.
Personal support, quick availability and robust solutions — that is exactly what our clients have measured us by for many years.
“Great, fast and professional service! The agency has been a reliable partner to me for years. Even in complicated health insurance cases, an excellent solution was always found.”
“Great Allianz agency — I’ve had my insurance policies there for 20 years now, including for my company. We always reach someone, everything that can be done is made possible, and we receive very competent support on all insurance questions. Thank you to Mr Kometer, partners and the whole team.”
“We, the company Böhmler Einrichtungshaus GmbH, have been working with Mr Kometer and his team for many years across many areas of insurance. We value the clear communication, the trust and the mutual respect. We would like to sincerely thank him for his consistently fast, energetic and unbureaucratic support and help with any problems that arise, and for his competent proposed solutions. A partnership that holds up even in challenging times — what more could one wish for.”
Who this advice is for
For people and companies who do not want a random solution.
This advice is especially valuable when the decision is complex, the responsibility high and the impact long-term.
Entrepreneurs & managing directors
You want high-quality cover for yourself while also retaining employees with strong benefits.
- PKV and GGF provision
- bKV and bAV as an employer brand
- Digital administration for HR
Self-employed & executives
You need health cover that fits your responsibilities, income and life plans.
- PKV review and tariff structure
- Daily sickness benefit and premium strategy
- Supplementing private provision
HR & SMEs
You want benefits that don't just sound good, but genuinely reach candidates and employees.
- bKV communication
- bAV structure
- Company health systems
Doctors & healthcare professionals
You know medicine — and need insurance cover that takes medical quality seriously.
- PKV for healthcare professionals
- Understanding the depth of cover
- Provision linked to your practice or business
Deliberately clear priorities
Secondary products are not pushed to the front. They complement the picture when it makes strategic sense.
Advice sells best when it is honestly prioritised. That is why PKV, bKV, bAV and private pension provision are at the centre. Occupational disability, business liability insurance, investments or other types of cover are not our core lines, but — if you wish — we are happy to advise on them as well.
The result
Company benefits · Risk check
Do you know where your company benefits have gaps?
bKV, bAV, group accident insurance, health budget and health management checked in just a few minutes — with a Coverage Index from 0 to 100, a traffic-light rating for each component, and a projection of what the gaps cost each year.
Start the analysis nowNo registration required. The evaluation runs in your browser.
FAQ
Frequently asked questions about PKV, bKV and provision.
Short answers to get you started quickly. The right decision then takes shape in a personal conversation.
When is switching to private health insurance worthwhile?
Switching can make sense when income, professional status, state of health, family planning and expected level of cover all fit together. What matters is not the cheapest premium, but a combination of benefits, premium, options and personal situation that remains viable in the long term.
What does Christian Kometer check during PKV advice?
This includes outpatient, inpatient and dental benefits, daily sickness benefit, excess, premium strategy, options, family stage, the risks of switching, and how well the tariff fits your life plans.
What is the biggest advantage of company health insurance?
The bKV is immediately visible: employees receive additional health benefits, often without a health check and without waiting periods. For employers, it is a strong signal of care, appreciation and modern employer attractiveness.
How is a bKV introduced in a company?
After analysing the target groups and objectives, a suitable module or budget model is chosen, communicated clearly internally and, wherever possible, managed digitally. What matters is that employees understand the benefit and can use it easily.
Why consider bAV and private pension provision together?
The bAV can offer tax and employer-side advantages, while private provision creates additional flexibility. Together they form a more stable retirement concept that does not rely on a single pillar.
What does the BSFZ confirmation mean for company health systems?
The confirmation from the BSFZ (Bescheinigungsstelle Forschungszulage), February 2026, relates to research and development work on systems that make organisational and personal performance factors visible, manageable and measurable. The aim is a platform that lets companies align measures on a data basis and track the impact on health, productivity, performance, cost structure and KPIs.
Does Christian Kometer only advise in Munich?
No. Personal advice is available in Munich; many topics can also be prepared and carried out in a structured way via online consultation anywhere in Germany.
To be transparent: AI is involved here.
The people in the background and illustrative images on this page are AI-generated — not photographs, not real people. The photos of Christian Kometer and his team are real.
We also use AI in advisory work — for needs analyses, comparing offers and preparing documents. The recommendation is made and is the personal responsibility of Christian Kometer: every consultation remains a conversation between people.
Contact
Gain clarity now — before uncertainty turns into an expensive decision.
Book a strategy consultation with the Allianz General Agency Christian Kometer. You will get a clear assessment of which lever currently has the most impact for you.
Legal
Legal notice & privacy
Legal notice
Allianz Agency
Christian Kometer
Am Weiher 13 d
82131 Gauting
Phone: +49 89 74529819
Fax: +49 89 74529820
Email: agentur.kometer@allianz.de
Christian Kometer, advice on insurance and its brokerage as an agent holding a trade licence (Section 34d (1) GewO), acting exclusively for, and for the account and in the name of, the Allianz insurance companies. Remuneration through commissions and additional remuneration from tenders (each included in the insurance premium).
Competent supervisory authority for the licence under Section 34d (1) GewO
Industrie- und Handelskammer für München und Oberbayern, Max-Joseph-Straße 2, 80333 München
Phone: 089/5116-0 · Fax: 089/5116-1306 · www.ihk-muenchen.de
Trade licence under Section 34i (1) GewO
Registration number: Christian Kometer, D-W-155-RHU7-99
Competent supervisory authority: IHK für München und Oberbayern, Max-Joseph-Straße 2, 80333 München, (089) 51 16 – 0, Fax (089) 51 16 – 1306, www.ihk-muenchen.de
Trade licence for loan brokerage under Section 34c (1) GewO
Christian Kometer
Competent supervisory authority: IHK für München und Oberbayern, Max-Joseph-Straße 2, 80333 München, (089) 51 16 – 0, Fax (089) 51 16 – 1306, www.ihk-muenchen.de
Competent professional chamber
Industrie- und Handelskammer für München und Oberbayern, Max-Joseph-Straße 2, 80333 München
Phone: 089/5116-0 · Fax: 089/5116-1306 · www.ihk-muenchen.de
Professional title
Christian Kometer, insurance agent holding a trade licence under Section 34d (1) GewO; Federal Republic of Germany
Christian Kometer, loan broker under Section 34c (1) GewO; Federal Republic of Germany
Christian Kometer, residential property loan broker under Section 34i (1) GewO; Federal Republic of Germany
Register of insurance intermediaries
Deutsche Industrie- und Handelskammer (DIHK), Breite Straße 29, 10178 Berlin, Tel. 0180 600 58 50 (€0.20 per call).
Website: www.vermittlerregister.info
Registration number: D-IGAX-FXHII-09: Christian Kometer
Dispute resolution bodies
The agency is obliged to take part in the following out-of-court dispute resolution bodies as dispute resolution entities within the meaning of the German Act on Alternative Dispute Resolution in Consumer Matters (VSBG):
Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Email: beschwerde@versicherungsombudsmann.de.
Ombudsmann Private Kranken- und Pflegeversicherung, Postfach 060222, 10052 Berlin, Email: ombudsmann@pkv.de.
Ombudsmann Bundesverband deutscher Banken, Postfach 040307, 10062 Berlin, Email: bankenverband@bdb.de.
Alternatively, you can also submit your complaint online via the European Union’s Online Dispute Resolution platform (ec.europa.eu/consumers/odr).
Professional regulations
- Section 34d Trade Regulation Act (GewO)
- Sections 59–68 Insurance Contract Act (VVG)
- Ordinance on Insurance Mediation and Advice (VersVermV)
- Section 34c Trade Regulation Act (GewO)
- Section 34i Trade Regulation Act (GewO)
- Ordinance on Residential Property Loan Brokerage (ImmVermV)
- Sections 655a–655e German Civil Code (BGB)
- Art. 229 Section 38 and Art. 247 Sections 13, 13b Introductory Act to the German Civil Code (EGBGB)
The professional regulations can be viewed and downloaded via the website www.gesetze-im-internet.de, operated by the Federal Ministry of Justice and Consumer Protection together with juris GmbH.
Information pursuant to the Sustainability-related Disclosure Regulation
Strategies for dealing with sustainability risks. I exclusively broker financial products and instruments of Allianz Lebensversicherungs-AG and Allianz Global Investors GmbH. Allianz Lebensversicherungs-AG and Allianz Global Investors GmbH provide information about their strategies for incorporating sustainability risks into their investment decision-making processes on their websites. As your intermediary, I am aware of these strategies and take them into account as part of my advice. Fondsdepot Bank GmbH provides information on this on its website www.fondsdepotbank.de.
Principal adverse impacts on sustainability factors. Allianz Lebensversicherungs-AG and Allianz Global Investors GmbH take into account the adverse impacts of investment decisions on sustainability factors as part of their sustainability strategies and provide detailed information on this on their websites. As your intermediary, I am aware of these described strategies and take them into account in my advisory activities by providing clients with the best possible transparency on this matter.
Consideration of sustainability risks in remuneration policy. My/our remuneration as an intermediary is not linked to the sustainability risks associated with the financial products and instruments brokered. This also applies to the remuneration of employees in my agency.
Controller within the meaning of Section 18 (2) MStV (German Interstate Media Treaty): Christian Kometer, Am Weiher 13d, 82131 Gauting
This legal notice applies to all telemedia services of the agency.
Privacy policy
1. Controller
Christian Kometer – General Agency of Allianz, Am Weiher 13 d, 82131 Gauting · Phone: +49 89 74529819 · Email: agentur.kometer@allianz.de · Website: christiankometer.de
In principle, you can use this website without providing any personal data. Where personal data (e.g. name, email address or phone number) is processed, this is always done in accordance with the GDPR and applicable national data protection provisions. Where there is no legal basis for processing, we obtain your consent.
2. Your rights as a data subject
You have the right at any time to access (Art. 15 GDPR), rectification (Art. 16), erasure (Art. 17), restriction of processing (Art. 18), data portability (Art. 20), objection — in particular to direct marketing — (Art. 21), and to withdraw any consent given with effect for the future (Art. 7 (3) GDPR). An informal message to the contact details given above is sufficient. You also have the right to lodge a complaint with a data protection supervisory authority, e.g. the Bayerisches Landesamt für Datenschutzaufsicht (BayLDA), Promenade 18, 91522 Ansbach, www.lda.bayern.de.
3. Hosting and server log files
When you visit this website, the web server automatically records technical information (browser type and version, operating system, referrer URL, pages accessed, date and time, IP address, provider). This data is used to deliver content correctly, for security and stability, and where necessary for prosecuting attacks; we do not draw any conclusions about you personally from it. Legal basis: legitimate interest (Art. 6 (1)(f) GDPR).
4. SSL/TLS encryption
This website uses encryption that reflects the current state of the art (HTTPS) to protect data during transmission.
5. Cookies and consent management
Technically necessary cookies ensure the website functions correctly; we only use other cookies (statistics, marketing) with your consent given via the cookie banner (Art. 6 (1)(a) GDPR, Section 25 TDDDG). You can change or withdraw your choice at any time via the cookie settings or your browser. Details in the Cookie policy.
6. Contacting us
If you contact us by email, phone or form, we process the data provided to handle your enquiry and any follow-up questions. The forms on this page open your own email programme; form data is not stored on the website. Legal bases: Art. 6 (1)(b) and (f) GDPR. No disclosure to third parties.
7. Online appointment booking
For online appointments, we use the bookingtime tool via the Allianz booking platform. Data entered there is processed by the provider to organise appointments; the provider's privacy notices and those of Allianz also apply. Legal basis: Art. 6 (1)(b) GDPR.
8. Newsletter
Newsletter sign-up uses the double opt-in procedure based on your consent (Art. 6 (1)(a) GDPR); the IP address and the date and time of sign-up are stored for legal protection. Newsletters may contain tracking pixels for the statistical analysis of opens and clicks, as well as promotional material. You can unsubscribe at any time via the link in every email or informally; this also withdraws consent to tracking. No disclosure to third parties.
9. Web analytics and advertising
We only use Google Analytics (with IP anonymisation enabled) with your consent via the cookie banner. You can also opt out via the browser add-on; information: policies.google.com/privacy. Google Ads conversion tracking (cookie validity generally 30 days, no personal identification) only with consent. WiredMinds (wiredminds.de): tracking-pixel analysis using pseudonymised, and where possible anonymised, usage profiles; IP addresses are anonymised immediately; you may object at any time with effect for the future.
10. Fonts and external libraries
For a consistent appearance, we use Google Webfonts and Adobe Typekit. When you visit the site, your browser establishes a connection to the providers' servers; in doing so, the provider receives your IP address. Information: Google · Adobe Typekit.
11. Social media (two-click solution)
Plugins from Facebook, Instagram, YouTube and LinkedIn only transmit data to the respective provider after you actively click on them (at least IP address and device information; if you are logged in at the same time, this may be linked to your profile). Details are in the providers' privacy notices; we ourselves do not collect any personal data via the plugins.
12. Job applications
We process application documents solely to carry out the application process (Art. 6 (1)(b) GDPR, Section 26 BDSG). If no employment results, the documents are deleted two months after rejection, unless legitimate interests (e.g. AGG documentation obligations) require otherwise.
13. Retention period and deletion
We only store personal data for as long as is necessary for the purpose or as required by statutory retention periods; after that, it is routinely blocked or deleted.
14. Currency of this policy
We adapt this privacy policy whenever the legal situation, website functions or services used change. Last updated: September 2026
AI assistant · does not replace personal advice · chat history is not saved · information as of 2026, provided without warranty
