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 and § 10 Abs. 1 Nr. 3 EStG (Income Tax law) tax deductibility of expenses are possible.
관련 법조항 안내저희 보험중개사 Sicher Sicher GmbH는 보험 해결책을 기획 및 제안하기 위해 노력합니다. 현재 임의 가족공보험 (Brutto 월 5.362,50€ | 연 64.350€ 이상. 2022년도 기준) 대상자분들 중 종합사보험으로의 변경을 고려하시는 분들은 사보험의 특성상 각 개인의 연령에 따른 월보험료가 산출되는 점 유념해 주시기 바랍니다. 보험 가입시의 가족구성원 연령이 높고 4인 이상인 경우, 가족공보험에 비해 월보험료 납입액이 높아질 수 있습니다. 자세한 사항은 홈페이지 하단의 월보험료를 참고해 주시기 바랍니다.
[ Top Best 혜택 대상자 자세히 보기 ]
주요 대상자 안내독일 Top Best A 종합사보험
Worldwide 의료비 100% 보장 (해외. 연간 최대 6개월 보장. 본국 포함) 보장액 제한 없음 | 치아보장 연 5.000€ [ 치과치료: 100% | 의치 80% | 만 18세까지 교정치료 100% ] | 과거병력 및 건강상태 질문 없음* | 건강검진 요구 없음 | 비자 및 영주권 적합 | 연간 본인부담금 없음 | 보장 대기기간 없음 | 사립 ∙ 공립 등 병원제약 없음 | 1인실 병실 비용 보장 | CMO 의료서비스 비용 보장
* 과거병력, Top Best 계약 이전 진단 및 현재 치료 중인 진단에 대해서도 Top Best 계약적용일로부터 발행된 의료비를 보장합니다.
한국인 | 재외동포와 그 가족구성원을 위해 특별 기획된 Top Best 종합사보험은 세계적인 독일 대표 보험사를 통해 보장혜택이 제공됩니다. 추가 문의: Kservice@sichersicher.eu
타 건강보험 보장과의 정확한 비교를 위해 아래 주요보장 표 또한 동일한 기준을 적용하여 작성되었음을 알려드립니다.
주요보장 독문 안내 ATop Best privat full comprehensive health insurance is the special product by Sicher Sicher GmbH. | |
Hospitalization | |
100 % Free choice of hospital | |
100 % Accommodation in single bedroom | |
100 % Treatment by the physician on duty or chief medical officer | |
100% Cover of costs for patient transport to and from the nearest suitable hospital without mileage limitation | |
Direct payment of hospital charges | |
At the dentist (Max. 5.000 € per year / After 5 years contract, no reimbursement limit) | |
Dental treatment | 100% of the expenses for dental treatments |
Dentures | 80% of the expenses. For prosthetic work, including, crowns, partial crowns, synthetic and ceramic facings as well as veneers, prosthesis, bridges and pivot teeth, implantology services, including the surgical services performed within this context, e.g., |
Orthodontics | 100% of the expenses for orthodontic services till the age of 18 |
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 centres and an alternative practitioner within the meaning of the German Alternative Medical Practitioners Act (HeilprG). |
Remedies, medicines and bandages | 100% of the expenses are covered |
Medical aids | 100% of the expenses are covered |
Visual Aids | 100% of the expenses for: Lenses, frames and contact lenses. If the visual aid was prescribed by an ophthalmologist or there is a refraction measurement that was taken by an optician. Max. 300 € every 24 months |
Surgery for Visual improvement | 100% of the expenses are covered The medical services also include surgical measures to correct visual acuity (e.g., lasik, lasek or lens implants). |
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 against Hepatitis B and vaccinations for travel that can be charged in accordance with the valid German scale of medical fees (GOÄ), including the expenses for the vaccine. |
Psychotherapy | 100% of the expenses are covered |
Sociotherapy | 100% of the expenses are covered |
Physiotherapy | 100% of the expenses are covered |
Maternity and childbirth | 100% of the expenses in- and outpatient service is covered including parental nutrition |
Waiting period | None |
Health examination | None |
Health questions | None |
Self-participation | None |
Reimbursement Limit | None |
Minimum contract period | 3 Months |
Maximum contract period | No limitation |
Scope of cover | Worldwide without limitation of countries maximum for 6 Months |
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)).
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