건강보험 Better 4B

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 % 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.