General doctors' visits (outpatient medical treatment)

General doctors' visits (outpatient medical treatment)

Costs that incurs if you see a medical professional, e.g. because you need medication, had a consultation, etc.

Going directly to a specialist

Going directly to a specialist

Also called "primary physician principle", shows whether you need to get a transferral from your GP or whether you can directly go to a specialist such as physical therapy, scans, etc.

Doctor's fee

Doctor's fee

Each treatment in Germany is only allowed to cost a certain amount of money, the standard rate of 2.3.
If things are e.g. particularly complicated, the doctors are allowed to charge more than the standard rate, i.e. the maximum rate of 3.5. Shows whether a plan covers these extra costs.

Medication & bandages

Medication & bandages

Costs for your medication, bandages, casts and similar materials and treatments.

Vaccinations

Vaccinations

Coverage for vaccinations with the STIKO being the body that issues the official recommendations.

You can find more information about STIKO here.

Transportation

Transportation

Bringing you to and back to necessary treatments, e.g. ambulance rides.

Dental checkups

Dental checkups

The regular, annual check-up to see whether everything is in order.

Dental cleanings

Dental cleanings

"Professionelle Zahnreinigung", i.e. the teeth cleaning provided my a medical professional

Routine dental treatments

Routine dental treatments

Smaller treatments such as filling or root canals that are aimed at keeping your teeth healthy.

Dental prothesis (e.g. inlays, crowns, bridges, veneers, tooth replacements, etc.)

Dental prothesis

Inlays, crowns, bridges, veneers, tooth replacements, etc.
Everything that goes beyond routine dental treatment, mostly aiming at restoring or correcting your teeth

Dentist's fee

Dentist's fee

Each treatment in Germany is only allowed to cost a certain amount of money, the standard rate of 2.3.
If things are e.g. particularly complicated, the dentists are allowed to charge more than the standard rate, i.e. the maximum rate of 3.5. Shows whether a plan covers these extra costs.

Annual coverage limit

Annual coverage limit

Each carrier pays you a maximum for dental, based on the number of years you are in your plan.

Accommodation

Accommodation

Determines how you are accommodated during a hospital stay.

Private hospitals

Private hospitals

Whether you have access to fully private hospitals.

Treatment by a head physician / free choice of doctor

Treatment by a head physician / free choice of doctor

Enables you to freely choose which doctor is treating you during in-patient treatments.

Preventive care

Preventive care

Mostly check-ups and preventative screenings to detect diseases and illnesses at an early stage.

Therapeutic measures (remedies)

Therapeutic measures (remedies)

Treatments that are performed to the body such as physical therapy, massages, ergo-therapy, etc.

Psychotherapy

Psychotherapy

Treatments revolving around your mental health.

Natural health and alternative medicine

Natural health and alternative medicine

Treatments such as homeopathy, naturopathy, etc. that usually go beyond the traditional western medicine.

Medical aids and devices

Medical aids and devices

Includes things such as hearing aids, prosthesis, wheelchairs, etc.

Visual aids

Visual aids

Corrective eyewear prescribed by a doctor, e.g. glasses and contact lenses.

Refractive eye surgery

Refractive eye surgery

Corrective surgery, e.g. LASIK

Pregnancy coverage

Pregnancy coverage

Treatments and measures that surround having a child and of course the actual giving birth.

Fertility treatment

Fertility treatment

Treatments made when a child cannot be conceived.
Generally only covered if the unfulfilled desire to have children only arises after the insurance has been taken out.

Midwife support

Midwife support

Covering the costs of midwifes through the pregnancy journey.

EU-wide coverage including EEA (coverage according to German prices)

EU-wide coverage

All carriers cover you within the EU but always only according to the German standard.

Worldwide coverage (coverage according to German prices with maximum 6 weeks)

Worldwide coverage

Coverage outside of the EU.

Repatriation costs

Repatriation costs

Costs for bringing you back to Germany due to a medical condition.