It fulfills 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 requirementsHospitalization | |
100 % Free choice of hospital | |
100 % Accommodation in single or two bedrooms | |
100 % Treatment by the physician on duty | |
100% Cover of costs for patient transport to and from the nearest suitable hospital (max. 100 km) | |
Direct payment of hospital charges | |
At the dentist (max. 2.500 € reimbursement per year for all dental benefits) | |
Dental treatment | 80% of the costs up to a maximum overall benefit amount for dental benefits per year |
Dentures | 80% of the costs up to a maximum overall benefit amount for dental benefits per year. Dentures for this cover are prostheses, post teeth, bridges, Inlay fillings and build-up fillings |
Orthodontics | 80% of the costs maximum overall benefit amount for dental benefits per year |
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% for drugs, inhalations, and physiotherapy measures |
Medical aids | 100% according to tariff catalogue, full reimbursement of rental costs |
Visual Aids | 100% of actual costs max. 250 € every 2 years |
Surgery for Visual improvement | Not covered |
Precautionary check-ups | 100% of the expenses are covered |
Vaccination | 100% for state recommended child vaccinations, as well vaccinations against rabies, tetanus, and diphtheria Tick bite (TBE) |
Psychotherapy | 100% up to 20 sessions per calendar year. Before the start of treatment prior written approval by the insurer have to be granted. |
Sociotherapy | Not covered |
Physiotherapy | 100% of actual costs |
Maternity and childbirth | 100% of the expenses in- and outpatient service is covered pre-existing pregnancy is not covered |
Waiting period | None (Home country 6 months waiting period) |
Health examination | In case of no pre-insurance prior been existing |
Health questions | Yes |
Self-participation | 300 € per year / or None (depends on selection) |
Reimbursement Limit | None |
Minimum contract period | 1 Month |
Maximum contract period | Lifetime |
Scope of cover | Germany & EU (Home country 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)).
주요보장 용어풀이 Explaination of coverages