건강보험 Better 4B - 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 % of actual costs up to 50 € per day for accommodation in a single 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 has been obtained (if not 20% self-participation of the costs)
At the dentist
Dental treatment	Emergency dental treatment not resulting from an Accident, up to 400 € per year
Dentures	100% of Actual cost resulting of an Accident, up to 800 € per year. Prior Agreement required
Orthodontics	Not covered
Outpatient service
Treatment	100% of actual costs (limited to 80 € for each additional consultation after the first 2 per year). Free choice of a licensed doctor irrespective of whether they are community-based or working in hospital outpatient departments or medical care centers.
Remedies, medicines and bandages	100% of actual costs
Medical aids	100% of actual costs
Visual Aids	100% of actual costs, up to 300 € per year. Prior Agreement required
Surgery for Visual improvement	Not covered
Precautionary check-ups	100% of the expenses are covered
Vaccination	Not covered
Psychotherapy	80% of Actual costs, up to 5 sessions per year
Sociotherapy	Not covered
Physiotherapy	100% of actual costs, only after hospitalization
Maternity and childbirth	Not covered
Waiting period	4 Weeks
Health examination	None
Health questions	Yes
Self-participation	None
Reimbursement Limit	500.000 € 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	52,00 €	92,00 €	131,00 €	169,00 €	249,00 €	342,00 €
* For monthly direct debit payment, extra surcharge 3 € applies.