건강보험 Lifetime A

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 requirements

Hospitalization

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

연 본인부담금 설정에 따른 월 건강보험료

(피고용자의 경우, 아래 안내된 월 보험료의 50% (max. 458.35€)를 고용자측에서 부담합니다.)
본인부담금 연 300€ 포함한 월 건강보험료 (피고용자 월 건강보험료 예시. 50세의 총 월 건강보험료 231.48€의 50%인 115.74€ (피고용자 월 건강보험 부담금))
본인부담금 0€ 설정 월 건강보험료 (피고용자 월 건강보험료 예시. 30세의 총 월 건강보험료 194.48€의 50%인 97.24€ (피고용자 월 건강보험 부담금))

Care insurance (optional)

신청 비자에 필수항목으로 포함되어 있을 경우, 장기요양보험을 포함하여 신청서를 작성해 주시기 바랍니다.
월 장기요양 보험료