건강보험 Basic 4A

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

관련 법조항 안내 Legal requirements

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.