독일 공보험 B

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

Hospitalization

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.

Dentures

Dental treatments are provided in accordance with collectively agreed regulations of the SGB (Social insurance Law)

Orthodontics

70 % till the age of 18. For Retainer 50% max.100 € per year

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.

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. 100 € 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.

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

Lifetime

Scope of cover

Germany & EU

Fee based on Income

15,9 % 

(for employee, 50% of cost taken by employer)

Student monthly fee

112,20 €

주요보장 용어풀이 Explaination of coverages 공보험 신청서 작성 Application form