건강보험 Better 5A

It fulfils the requirements of § 257 Abs. 2a of the SGB (Social insurance law) 5 and the § 193 VVG (Insurance contract Law) as requested by the immigration office.

관련 법조항 안내 Legal requirements

Hospitalization

100 % Free choice of hospital

100 % Accommodation in two bedrooms

100 % Treatment by the physician on duty

100% Cover of costs for patient transport to and from the nearest suitable hospital

No direct payment of hospital charges

At the dentist

Dental treatment

80% of the actual costs for dental treatment

including annual check-up once a year

Dentures

80% of the expenses. Limits:

1st till 2nd year max. 2.000 €

3rd year max. 3.000 €

4th year max. 4.000 €

Inlays and Onlays are not covered

8 Months Waiting period

Orthodontics

100% of the expenses for orthodontic services till the age of 18

8 Months waiting period

Outpatient service

Treatment

100% free choice of a licensed doctor irrespective of whether they are community-based or working in hospital outpatient departments or medical care centers. 100% for medical treatments by a naturopath.

Remedies, medicines and bandages

80% of the actual costs max. 1.000 € per year

Medical aids

100% Reimbursement of medical aids

Visual Aids

100% of the expenses max. 50 € per year

Surgery for Visual improvement

Not covered

Precautionary

check-ups

100% of actual costs for children and cancer regarding German Governmental prevention programs

Vaccination

Not covered

Psychotherapy

80% of the actual costs, max. 2.000 € per year

Sociotherapy

Not covered

Physiotherapy

Not covered

Maternity and childbirth

100% of the expenses in- and outpatient service is covered

8 months waiting period

pre-existing pregnancy is not covered

Waiting period

8 Months for Dental & Maternity and childbirth

Health examination 

None

Health questions

Yes

Self-participation

None

Reimbursement Limit

200.000 €

Minimum contract period

3 Months

Maximum contract period

5 years (from first day of entry in Germany)

Scope of cover

Worldwide (max. 42 days in USA, Canada and Switzerland)

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

Policyholder 계약자

Dependents (per person)

동반가족 (1인당)

Monthly fee 월 보험료

153€

207€

신청서 Application form