It fulfils the requirements of § 257 Abs. 2a of the SGB (Social insurance law) 5 and the § 193 VVG (Insurance contract Law) as requested by the immigration office and § 10 Abs. 1 Nr. 3 EStG (Income Tax law) tax deductibility of expenses are possible.
관련 법조항 안내 Legal requirementsHospitalization | |
100 % Free choice of public hospital (No private hospital) | |
100 % for accommodation in a multi bedroom | |
100 % Treatment by the physician on duty | |
100% Cover of costs for patient transport to nearest hospital in case of hospitalization | |
Direct payment of hospital fees | |
At the dentist | |
Dental treatment | 100%. No restrictions on simple forms of care, such as Amalgam. Professional teeth cleaning 40 € per year |
Dentures | Dental treatments are provided in accordance with collectively agreed regulations of the SGB (Social insurance Law) |
Orthodontics | 100 % till the age of 18. For retainer: Not covered |
Outpatient service | |
Treatment | 100% refund if treatment by a family doctor, ophthalmologist, Gynaecologist, paediatrician, ambulance is carried out or the family doctor arranges the further treatment with the specialist. With consent of the insurer, it can also be an internist without a specialization as a Family doctor. |
Remedies, medicines and bandages | For insured who reach the age of 18, the self-participation is minimum 5 € and maximum 10 € per description. |
Medical aids | For insured who reach the age of 18, the self-participation is minimum 5 € and maximum 10 € per description. |
Visual Aids | Not covered |
Surgery for Visual improvement | Not covered |
Precautionary check-ups | 100% of the expenses are covered based on the governmental programs |
Vaccination | Flu shots, vaccines against tetanus, diphtheria, rabies, poliomyelitis as well as tick control. In addition, single and multiple vaccines recommended by the Standing Vaccination Commission (STIKO); including Travel vaccinations. |
Psychotherapy | 100% Psychotherapy for up to 50 sessions per calendar year by doctors and non-medical therapists without prior commitment under the medical need |
Sociotherapy | Not covered |
Physiotherapy | 100% of actual costs |
Maternity and childbirth | Covered The scope of coverage corresponds to that of the statutory basic in case of necessary care. |
Waiting period | None |
Health examination | None |
Health questions | None |
Self-participation | As stated for individual descriptions |
Reimbursement Limit | None |
Minimum contract period | 12 Months |
Maximum contract period | No limit |
Scope of cover | Germany & EU |
Monthly fee based on income (Brutto) | 15,8 % + Care insurance fee (for employee, 50% of cost taken by employer) |
* In case of under 1.131,67 € monthly income : 15,2 % of 1.131,67 € | 15,2 % + Care insurance fee (without sickday money coverage) |
Monthly Care insurance fee (Mandatory) | Family or contractholder with child 3,05 % | without child 3,4 % |
Student monthly fee | 120,34 € (Uni. Student fee is only applying age till 30) |