건강보험 Basic 3A

It fulfils the requirements the § 193 VVG (Insurance contract Law)

관련 법조항 안내 Legal requirements

Hospitalization

100 % Free choice of hospital

100 % Accommodation in multi shared bedroom

100 % Treatment by the physician on duty

100% Cover of costs for patient transport to and from the nearest hospital

No direct payment of hospital charges, prepayment by insured

At the dentist

Dental treatment

Pain relieving dental treatments and medical necessary diagnostics dental services at most with 2.3 times the rate of the fee schedule for dentists (GOZ). Mainly medical-technical services at most with 1.8 times the rate of GOZ. Laboratory services with a maximum of 1.15 times the GOZ.

Dentures

50% reimbursement of dentures max. 250 € per year. In the sense of this tariff are dentures: pin teeth; inlay fillings; crowns; bridges.

Orthodontics

Not covered

Outpatient service

Treatment

100% free choice of a licensed doctor irrespective of whether they are community-based or working in hospital outpatient departments or medical care centres. Outpatient medical costs at most with 2.3 times the rate of the fee schedule for doctors (GOÄ).  Mainly medical-technical services at most with 1.8 times the rate of GOÄ. Laboratory services with a maximum of 1.15 times the GOÄ.

Remedies, medicines and bandages

Max. 250 € per year reimbursement of the expenses

Medical aids

Max. 250 € per year reimbursement of medical aids

Visual Aids

Not covered

Surgery for Visual improvement

Not covered

Precautionary

check-ups

Not covered

Vaccination

Not covered

Psychotherapy

Not covered

Sociotherapy

Not covered

Physiotherapy

Not covered

Maternity and childbirth

Not covered

Waiting period

None

Health examination 

None

Health questions

Yes

Self-participation

None

Reimbursement Limit

30.000 €

Minimum contract period

3 Months

Maximum contract period

1095 Days (from first day of entry in Germany)

Scope of cover

EU, Norway, Switzerland, Iceland, (Home country: contract period is more than 365 days incl. max. 1 Month)

This table provides an overview of insurance plan. Cover is subject to terms and conditions of each insurer. The basis for reimbursement of benefits takes into consideration all laws, regulations and specifications applicable in Germany. Medical necessity is the basic requirement for any claims. It should be noted that claims are only covered up to the maximum rates (Gebührenordnung für Ärzte (GOÄ) and Gebührenordnung für Zahnärzte (GOZ)).

주요보장 용어풀이 Explaination of coverages

독일 입국일 기준 체류일수에 따른 보험료 안내 (총 계약기간의 평균 월보험료: 총 계약 일수 X 일별 보험료 / 계약 개월수)

Daily insurance fee [Basic 3A]

01.~365.day

Age 0~34

0,82 €

Age 35~55

1,18 €

366.~1095.day

Age 0~34

1,48 €

Age 35~55

2,23 €

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