Health Year · For health insurers

The Health Year. Prevention that reaches your members.

Twelve health topics in one app for your members. Findings lead to a medical assessment and, where needed, straight into a care pathway, while your fund sees only anonymised figures.

Discuss a partnership
Illustrative example of a Health Year in three layers and four quarters from sign-up. The member completes one health check per month in the app. myon.clinic reviews every check, assigns a risk level and routes the result. Quarter 1: risk profile plus heart, burnout and colon; the result goes to the member. Quarter 2: teeth, allergies and skin; a finding leads to a recommended medical assessment at the GP. Quarter 3: diabetes and cancer screening; a finding is confirmed and the member moves into the care pathway for cardio-renal-metabolic syndrome. Quarter 4: infection prevention, lungs and anxiety; the insurer receives an anonymised programme report for groups of 10 or more.
  1. Q1Months 1–3
    Heart · burnout · colon
    Risk profile + 3 checksResult per person
    • Member: own result
  2. Q2Months 4–6
    Teeth · allergies · skin
    3 checks reviewedAssessment recommended
    • Member: own result
    • GP practice: medical assessment
  3. Q3Months 7–9
    Diabetes · cancer screening
    Finding confirmedOn to the CKM pathway
    • GP practice: medical assessment
    • CKM care pathway
  4. Q4Months 10–12
    Infections · lungs · anxiety
    Programme report createdanonymised, groups of 10+
    • Member: own result
    • Insurer: anonymised programme report
Illustrative example of a Health Year in three layers and four quarters from sign-up. The member completes one health check per month in the app. myon.clinic reviews every check, assigns a risk level and routes the result. Quarter 1: risk profile plus heart, burnout and colon; the result goes to the member. Quarter 2: teeth, allergies and skin; a finding leads to a recommended medical assessment at the GP. Quarter 3: diabetes and cancer screening; a finding is confirmed and the member moves into the care pathway for cardio-renal-metabolic syndrome. Quarter 4: infection prevention, lungs and anxiety; the insurer receives an anonymised programme report for groups of 10 or more.
  1. Q1Months 1–3
    Heart · burnout · colon
    Risk profile + 3 checksResult per person
    • Member: own result
  2. Q2Months 4–6
    Teeth · allergies · skin
    3 checks reviewedAssessment recommended
    • Member: own result
    • GP practice: medical assessment
  3. Q3Months 7–9
    Diabetes · cancer screening
    Finding confirmedOn to the CKM pathway
    • GP practice: medical assessment
    • CKM care pathway
  4. Q4Months 10–12
    Infections · lungs · anxiety
    Programme report createdanonymised, groups of 10+
    • Member: own result
    • Insurer: anonymised programme report
Why now

Spending is rising. Prevention has to arrive earlier.

Statutory health insurance benefit spending is at a record high, while insurers invest only a small amount per member in prevention. That makes it all the more important that this money reaches people before risks turn into illness.

€336.4 bn

benefit spending by statutory health insurance in 2025, 7.7% more than the year before.

vdek1
€9.21

per member was spent by statutory health insurers on prevention and health promotion in 2024, €686.2m in total.

GKV Prevention Report 20252
€8.53

was the 2024 guide value per member for prevention under § 20(6) SGB V.

GKV Prevention Report 20252 · § 20 SGB V3
The Health Year

Twelve stages for your members. One topic per stage.

Every participant starts with a personal risk profile. The app then guides them through twelve health topics, each with a risk check, ongoing support, and results with a report.

1risk profile to start18health topics7lifestyle factors alongside

  1. Start: risk profile covering Personal data, Lifestyle, Pre-existing conditions, Family history, Quality of life.
  2. 1 / 12: Heart & circulation. How are my heart, blood pressure and metabolism doing?
  3. 2 / 12: Burnout & depression. Am I just exhausted, or is there more to it?
  4. 3 / 12: Bowel cancer & gut health. Which screenings am I entitled to, and which warning signs should I know?
  5. 4 / 12: Dental health. How healthy are my teeth and gums?
  6. 5 / 12: Allergies & asthma. Is it just hay fever, or should I get my airways checked?
  7. 6 / 12: Skin cancer & skin health. Which moles should I keep an eye on?
  8. 7 / 12: Diabetes. What is my risk of type 2 diabetes?
  9. 8 / 12: Breast or prostate cancer. Which early detection makes sense for me now?
  10. 9 / 12: Testicular or cervical cancer. What should I look out for, and which screenings am I entitled to?
  11. 10 / 12: Infection prevention & STIs. How do I protect myself, and when is a test a good idea?
  12. 11 / 12: Lung cancer & lung health. How high is my risk, and what early detection is available?
  13. 12 / 12: Anxiety disorders. Is this ordinary worry, or should I get support?
Lifestyle programmes alongside

Seven lifestyle topics. Free to add in the app.

Alongside the twelve stages, seven lifestyle topics run all year. Your members choose matching 7-day programmes themselves and start them right in the app, free of charge.

  • Sleep
  • Nutrition
  • Physical activity
  • Resilience
  • Alcohol
  • Smoking
  • Immune system
Programme overview laid out like a shop: free 7-day programmes with a topic filter, a weekly plan and a free label on every card.

Every stage follows
‍the same principle.

No elevated risk

Stay healthy

  • Recommendations for preventive measures
  • Prevention tips and plain-language information
Moderate risk

Take a closer look

  • Recommendation for further tests
  • Information on possible consequences
  • Recommendation to see a doctor if needed
High risk

See a doctor

  • Clear recommendation to see a doctor
  • Information on the condition and treatment options
The myoncare app on a smartphone and the platform in a browser
App & platform

A health companion for your members. On any device.

Your members use the Health Year in the myoncare app for iOS and Android or directly in the browser. Content, questionnaires and reminders arrive exactly when they are relevant.

  • Start with a QR codeScan, register, get going. No integration with your IT.
  • App or browserNative app and progressive web app on their own device.
  • Wearables & health dataConnects to Apple Health, Google Health and Withings.
  • Check-ins & remindersShort check-ins and prompts that fit into everyday life.
  • Own resultsEvery participant sees their own results and progress.
  • Secure exchangeChat, video consultations and documents when medical follow-up is needed.
How it works & privacy

Reach and transfers at a glance. Without individual data.

Members screen themselves, the medical team sees findings, and your fund sees only anonymous figures on participation, topics and transfers into care. All data is aggregated and anonymised.

  1. 1

    Members

    screen themselves and see their own results.

  2. 2

    Medical team

    reviews findings, recommends an assessment and, once a finding is confirmed, transfers the person into a care pathway.

  3. 3

    Health insurer

    receives a programme report with anonymised figures.

Programme report 2026 · Sample Insurer

Participating members
24,600
4.9% of adults
Completed topic checks
198,000
Risk check + 12 stages
Transfers into care pathways
1,240
of which CKM: 610

Participation by region, share of adults

  • North6.2%
  • South5.1%
  • West4.6%
  • East3.8%

Risk distribution, topic: stress

  • No elevated risk 58%
  • Moderate 31%
  • High 11%

Topic focus

  • Stress↑ rising
  • Heart health↑ rising
  • Sleep→ stable

Participation target reached over the year

0%25%50%75%68%JanMarMayJulSepNovDec

Recommendations for 2027

  • Promote the stress programme to members aged 30 to 49
  • Reminder about bowel cancer screening from age 50

Analysis only for groups of 10 or more. Individual results are not visible to the insurer.

Who sees what?

Individual results

are seen only by members themselves and the medical team. Medical confidentiality applies.

Health insurer

sees only anonymised, aggregated reports, never individual data. Reports require a minimum group size of 10 people.

Voluntary

Participation is voluntary and requires the member's consent.

Benefits

Good for your members. Good for your fund.

For members

Prevention that fits into everyday life.

  • Twelve health topics on their own smartphone or in the browser
  • Personal recommendations instead of generic leaflets
  • Clear next steps, right into a care pathway where needed
  • Voluntary; individual results stay with members and the medical team
For your fund

Prevention that leads into care.

  • A digital prevention offer for all adult members
  • Early detection with direct transfer into care pathways such as CKM
  • Anonymised programme report by region and topic
  • A visible offer for your members
From alert to care

Early detection that leads into care.

When a check detects a finding, myon.clinic guides the member into the right care pathway. Example: cardio-renal-metabolic syndrome (CKM).

Illustrative example: a member goes through the Health Year. After the risk check and stages 1 to 6 with no finding, myon.clinic detects a finding in stage 7, diabetes. The member is transferred into the care pathway for cardio-renal-metabolic syndrome (CKM): medical assessment with lab values, stage 1 is identified, the lifestyle, sleep and liver modules are added and the GP practice, obesity medicine and dietary advice are involved. Every new value leads to a new staging. Stages 8 to 12 of the Health Year continue in parallel.

What this means for your fund: Prevention and care run on one platform. The transfer into the pathway can be set up, for example, as a special care contract under § 140a SGB V.

The same principle applies to other pathways, for example in Oncology. More on the CKM pathway: Metabolic syndrome.

Illustrative example. Every clinical decision remains with a physician; moving into a pathway requires consent.

Benefit calculator

What does the Health Year do for your fund?

Four inputs are enough: how many members you reach, what it costs and how much effect is needed for it to pay off.

Your fund

500,000
5%
€60
€4,500
Break-even
1.3%

lower benefit spending per participant is enough for the Health Year to pay for itself.

Members reached
–
per year
Topic checks
–
with full participation
  • Health Year cost per year–
  • Cost per member–
  • Share of the prevention guide value–
Run it with your figures

Model calculation for orientation, not a savings promise.

Assumptions, formula and sources
InputAssumptionBasis
Benefit spendingDefault €4,500 per member per year€336.4bn benefit spending in 20251 divided by around 74 million members6, rounded; own calculation
Prevention guide value€8.53 per member2024 value under § 20(6) SGB V2; adjusted annually
CostDefault €60 per participant per year; costs only for participantsGuide price from the employer setting; terms for insurers in the quote
Topic checks13 per person: risk check plus twelve stagesStructure of the Health Year

Formula: Break-even = cost per participant ÷ benefit spending per member. Share of guide value = annual cost ÷ (members × €8.53).

Deliberately not included: savings. Robust effect data for this programme are not yet available. Whether participants' benefit spending changes can be tested in a pilot with evaluation.

Ways to offer it

Three ways to offer the Health Year.

Depending on your goal, the Health Year can be offered in different ways, on their own or combined.

§ 20 SGB V

As a prevention offer

Statutory health insurers spend a guide value per member on prevention3. The Health Year can become part of this offer if the quality criteria are met.

GKV Prevention Report 20252
§ 65a SGB V

In the bonus programme

Insurers can reward health-conscious behaviour with a bonus. Completed stages could count as a bonus activity.

SGB V4
§ 140a SGB V

With transfer into care

For the care pathway, such as CKM, the insurer and providers agree a special care contract. myon.clinic supplies the pathway, platform and documentation.

SGB V5

This overview is not legal advice. We will work out which route suits your fund together.

Four steps

From the first call to an offer for your members.

  1. 1

    Agree the framework

    Target group, route under § 20, § 65a or § 140a SGB V, and the right care pathways.

  2. 2

    Set up the offer

    We set up the Health Year and agree messaging and transfers into care pathways with you.

  3. 3

    Invite members

    Through your channels, for example mailings, magazine, website or QR code. We provide the materials.

  4. 4

    Receive the programme report

    Anonymised figures on participation, topics and transfers into care.

FAQ

What health insurers want to know first.

How can the Health Year be classified?

As a prevention offer under § 20 SGB V, as a bonus activity under § 65a SGB V and, for transfers into care pathways, through a contract under § 140a SGB V. We will work out the right combination together.

What does the insurer see?

Only anonymised, aggregated analyses of participation, topics and transfers, for groups of 10 or more. Individual results are seen only by members themselves and the medical team.

What happens if a check raises a flag?

The app gives a clear recommendation for a medical assessment. If a finding is confirmed, the member can move into a care pathway with their consent, for example for cardio-renal-metabolic syndrome.

Does it reduce benefit spending?

There are no robust savings data for this programme yet. That is why the calculator shows the effect needed for the offer to pay off. Whether that effect occurs can be tested in a pilot with evaluation.

How do you reach our members?

Through your channels, such as mailings, magazine, website or QR code. Registration works via link or QR code, with no integration into your IT.

Is the platform certified?

myon.clinic runs on the myoncare platform, a Class IIa medical device under the MDR, developed by ONCARE GmbH in Munich.

What does the Health Year cost?

Terms depend on member numbers and the route chosen. In the calculator you can use your own figure per participant.

Highest quality and data security.

myon.clinic runs on the myoncare platform, a Class IIa medical device under the MDR, developed by ONCARE GmbH in Munich.

  • MDR Class IIa
  • ISO 27001
  • BSI C5 attestation
  • Certified data security (IITR)
  • GDPR-compliant

The standards and certifications listed refer to the quality management system (QMS) and information security management system (ISMS) of ONCARE GmbH, which is responsible for developing the myoncare health platform. More on quality & data security

The Health Year for your members.

In 30 minutes we show you the app, the programme report and the care pathways, and run the numbers with your figures.

Discuss a partnership
Go to the calculator

Sources & notes

6 sources

Research as of October 2026. Statistics may change with new releases. Own calculations and dashboard values are labelled as such.

  1. 1vdek: health care data, benefit spending. Statutory health insurance benefit spending 2025: €336.4bn, +7.7%. vdek.com
  2. 2GKV-Spitzenverband / Medizinischer Dienst Bund: Prevention Report 2025 (reporting year 2024). €686.2m, €9.21 per member; guide value €8.53. gkv-spitzenverband.de
  3. 3§ 20 SGB V, primary prevention and health promotion, para. 6 (guide value, adjustment to the reference amount). dejure.org
  4. 4§ 65a SGB V, bonus for health-conscious behaviour. dejure.org
  5. 5§ 140a SGB V, special care. dejure.org
  6. 6vdek: health care data, members. Substitute funds on 1 Jul 2026: 29.1 million members = 39.1% market share; hence around 74 million statutory members (own calculation). vdek.com