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. Compulsory care insurance can be included extra.
관련 법조항 안내 Legal requirementsHospitalization | |
100 % Free choice of hospital | |
100 % Accommodation in multi shared bedroom | |
100 % Treatment by the physician on duty | |
100% Cover of costs for patient transport to and from the nearest suitable hospital | |
Direct payment of hospital charges during Hospitalization | |
At the dentist (*Optional. not included as a standard) | |
Dental treatment | Option D1 100% of the costs up to a maximum overall benefit amount of 500 € Option D2 100% of the costs up to a maximum overall benefit amount of 1.500 € / dental prophylaxis (preventive treatment) up to 100 € per calendar year |
Dentures | Option D1 100% of the costs up to a maximum overall benefit amount of 500 € for dentures and inlays Option D2 100% of the costs up to a maximum overall benefit amount of 1.500 € for dentures and inlays |
Orthodontics | Option D1 100% of the costs of orthodontics if the insured person begins the treatment before reaching the age of 18 Option D2 100% of the costs of orthodontics if the insured person begins the treatment before reaching the age of 18 or if he/she suffers an accident after taking out the policy and therefore requires the treatment |
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. |
Remedies, medicines and bandages | 100% of the expenses covered |
Medical aids | 100% of actual costs max. 750 € per calendar year |
Visual Aids | Not covered |
Surgery for Visual improvement | Not covered |
Precautionary check-ups | 100% of the expenses are covered |
Vaccination | 100% of the expenses for vaccinations recommended by the Standing Committee on Vaccination of the Robert Koch Institute, vaccinations that can be charged in accordance with the valid German scale of medical fees (GOÄ), including the expenses for the vaccine. |
Psychotherapy | Not covered |
Sociotherapy | 100% of the expenses max. 120 hours a year |
Physiotherapy | 100% of the expenses are 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 | In case of no pre-insurance prior last 12 months been existing |
Health questions | Yes |
Self-participation | 10% of each claim max. 500 € per year or 1.200 € per year |
Reimbursement Limit | None |
Minimum contract period | 1 Month |
Maximum contract period | 5 years (from first day of entry in Germany) |
Scope of cover | EU, Switzerland Other countries outside the EU max. 4 Weeks (Home country for 12 weeks) |
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