건강보험 Basic 4A - Expat Health Insurance in Germany

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

Hospitalization
	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 coverages

만 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.