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 requirements
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
100%. No restrictions on simple forms of care, such as Amalgam.
Professional teeth cleaning 60 € per year
Dental treatments are provided in accordance with collectively agreed regulations of the SGB (Social insurance Law)
100 % till the age of 18.
For retainer 90% max. 100 € per year
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.
Freedom of choice under the terms of the German Heilpraktiker-gesetz. non-medical practitioners. Reimbursement of benefits for all in the fee schedule for naturopaths contained treatment methods up to an invoice amount of max. 640 € per calendar year
Remedies, medicines and bandages
For insured who reach the age of 18, the self-participation is minimum 5 € and maximum 10 € per description. (Private invoices for pregnancy medicine & support 500 € per year)
For insured who reach the age of 18, the self-participation is minimum 5 € and maximum 10 € per description.
Surgery for Visual improvement
100% of the expenses are covered based on the governmental programs
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); out taken vaccinations on a trip abroad as well. Occupational activity for which the employer is required by law.
100% Psychotherapy for up to 50 sessions per calendar year by doctors and non-medical therapists without prior commitment under the medical need
100% of actual costs
Maternity and childbirth
The scope of coverage corresponds to that of the statutory basic in case of necessary care.
As stated for individual descriptions
Minimum contract period
Maximum contract period
Scope of cover
Germany & EU
based on income (Brutto)
16,3 % + Care insurance fee
(for employee, 50% of cost taken by employer)
* In case of under 1.131,67 € monthly income : 15,7 % of 1.131,67 €
15,7 % + 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
121,56 € (Uni. Student fee is only applying age till 30)