It fulfils the requirements the § 193 VVG (Insurance contract Law)
관련 법조항 안내 Legal requirementsHospitalization | |
100 % Free choice of hospital, a hospital report is needed to provide for reimbursement. | |
100 % Accommodation in multi shared 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 provided on request 24 hours a day, if prior agreement 5 days before hospitalization has been obtained (if not 20% self-participation of the costs) | |
At the dentist | |
Dental treatment | Emergency dental treatment not resulting of an accident max. 400 € per year |
Dentures | Emergency dental treatment resulting of an accident max. 800 € per year / Prior agreement required |
Orthodontics | Not covered |
Outpatient service | |
Treatment | 100% of actual costs, up to 750 € per insurance year, only in the event of accident. Free choice of a licensed doctor irrespective of whether they are community-based or working in hospital outpatient departments or medical care centres. A medical certificate is needed to provide for reimbursement as proof of the treatment was based on an accident. |
Remedies, medicines and bandages | 100% of actual costs, up to 750 € per insurance year |
Medical aids | 100% of actual costs, up to 750 € per insurance year |
Visual Aids | 100% of actual costs, up to 300 € per year. Prior Agreement required |
Surgery for Visual improvement | Not covered |
Precautionary check-ups | Not covered |
Vaccination | Not covered |
Psychotherapy | Not covered |
Sociotherapy | Not covered |
Physiotherapy | 100% of actual costs, up to 750 € per insurance year, only after hospitalization |
Maternity and childbirth | Not covered |
Waiting period | 4 Weeks |
Health examination | None |
Health questions | Yes |
Self-participation | 20 % of each claim for hospitalization if no prior agreement has been obtained from the insurer |
Reimbursement Limit | 250.000 € per insurance year |
Minimum contract period | 3 Months |
Maximum contract period | 4 years (from first day of entry in Germany) |
Scope of cover | Worldwide (Home country max. 90 days for 2 visits while contract period) |
This table provides an overview of insurance plan. Cover is subject to terms and conditions of each insurer, which will be handed over to you after submitting our signed mandate. 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 coverages만 나이 범주에 따른 월 보험료 (추가 비용. 월 자동이체 수수료 3€ )
Age till | ~30 | ~40 | ~50 | ~60 | ~70 | ~79 |
Monthly fee | 38,00 € | 72,00 € | 105,00 € | 136,00 € | 213,00 € | 303,00 € |
* For monthly direct debit payment, extra surcharge 3 € applies. |