The BME private comprehensive health insurance from DKV - Deutsche Krankenversicherung AG includes:

Possible premium refund

• BME1: €1200.00 (€400.00 children and young people)
• BME2: €900.00 (€300.00 children and young people)

Outpatient medical treatment

• 100% family doctor regulation, otherwise 75%, with subsequent confirmation of the need for further treatment by a specialist, all further treatments and examinations by a specialist will be reimbursed at 100%.

Medicines and dressings

• 100%

visual aids

• Up to €200.00 within 24 months for new lenses, frames and contact lenses and repairs

Aids other than visual aids

• 100% for listed aids in the open aid catalogue

(AVB Part I No. 2.5.: bandages, cane, hernia ligaments, insoles for foot correction, crutches, inhalation devices, compression stockings, correction splints)

• orthopedic custom-made shoes, the part is reimbursable, which exceeds €100.00/ €50.00 by the age of 20

• Orthopedic adjustments to ready-made shoes; intercoms, electr. larynx)

• 100% for all other aids involving the aids service, otherwise 75% for all other aids.

remedy

• 100% up to the maximum amounts in the tariff table

Naturopaths, including drugs prescribed for this purpose

• 75%, max. €500.00 p.p. a. acc. FeeH.

Alternative medicine, including medicines prescribed for this purpose

• 75% family doctor regulation, otherwise 60% max. €500.00 p. a. according to Hufelandverz.

Psychotherapy, After prior approval and under Consideration of the general practitioner regulation

• 100% / 75% by the 30th session
• 80% / 60% from the 31st session
• 70% / 50% from the 61st session

Check-ups and vaccinations According to programs established by law

• 100% to family doctor regulation, otherwise 75%,
• without travel vaccinations
• Both not SB-neutral

transport

• 100% to/from the hospital or, in an emergency, to the doctor

schedule of fees

• Within the framework of the maximum rates of the GOÄ (3.5; 2.5; 1.3)

Inpatient medical treatment, accommodation

• 100% shared rooms, general and attending hospital services

Substitute Hospital Per diem

• No

Stay in private clinics

• Yes, after prior approval for hospital stays with spa and sanatorium treatment, with follow-up treatment, withdrawal measures and inpatient psychotherapy necessary

Tooth, dental services, dental treatment, professional tooth cleaning (PZR), dentures, inlays, orthodontics

• 100% for dental treatment, including targeted ones Check-ups and the associated material and laboratory costs as well as PZR

• 70% for inlays, dental crowns, bridges, dentures including material and laboratory costs

• 70% for a maximum of 4 implants per jaw (including any existing implants at the beginning of the insurance cover), for the dentures to be attached and for material.- and laboratory costs

• 90% orthodontics. including material and laboratory costs. if treatment begins before the age of 19.

• Material and laboratory costs are included in the reimbursed according to the tariff list of prices and services

Dental scale / annual maximum rates for ZE, dental crowns, inlays, implants and orthodontics (except in the case of an accident):

• max. €1000.00 in the 1st year
• max. €2000.00 in the first 2 years
• max. €3000.00 in the first 3 years
• max. €3000.00 from the 4th year p. a.
• In the event of an accident: max. €3000.00 p. a.

Treatment and cost plan

• Does not have to be done but is recommended

Miscellaneous Insurance protection in non-European countries for a temporary stay

• 1 month from the start of the stay abroad
• If you are unable to return, another 2 months

Important

• Benefits limited to the usual treatment costs in Germany.

• Usual residence must still be in Germany

Option right / right of continuation

• At the beginning of the BME up to entry age 55 change to a higher BestMed tariff or supplement. possible at BestMed advanced level

• Without waiting period for ongoing insurance claims: for the 4th year without vers.med. Zuschl., for the 6th VJ vers.med. surcharge for more power max. 100%

-Children at the same time as parent. In the case of birth/adoption, each option right to an increase for VP without vers.med. check each on 1.1. of a year, until the year in which child turns 4 years old

No deductible for:

• Flat rate for outpatient surgery
• Flat rate for confinement

No influence on premium refunds for:

• Preventive check-ups
• vaccinations
• Dental prophylaxis
• PZR (professional tooth cleaning)
• goverment aid

services

• Health phone
• 24-hour emergency call service when traveling abroad

particularities

• Flat rate at best. amb. Surgery €100.00
• Flat rate for childbirth €500.00
• Artificial insemination under existing conditions
• Lasik after confirmation
• From the 92nd day in hospital free of charge if Tariff existed for at least 12 months without any arrears
• Special foreign protection
• No waiting times

The statutory long-term care insurance of DKV - Deutsche Krankenversicherung AG includes:

Ambulatory home care

reimbursement of expenses monthly for basic care and household chores:

monthly Nursing benefits in kind (home care by nurses)

• Care level 1 up to €125.00 relief amount according to § 28a paragraph 2 SGB XI
• Care level 2 €689.00
• Care level 3 €1298.00
• Care level 4 €1612.00
• Care level 5 €1995.00o

alternatively monthly Nursing allowance (home care by relatives)

• Care level 1 up to €125.00 relief amount according to § 28a paragraph 2 SGB XI
• Care level 2 €316.00
• Care level 3 €545.00
• Care level 4 €728.00
• Care level 5 €901.00

Combination services:

• The receipt of care allowance and the receipt of outpatient care benefits in kind can also be combined within the framework of home care. The nursing allowance is then reduced proportionally (percentage) to the extent to which outpatient nursing care benefits in kind were used in the respective month are.

Lay care (e.g. relatives)

• This can only be financed through nursing allowance

care aids

Expenses for in the nursing aid directory listed care products. Deductible/additional payment for:

• technical aids (from the age of 18) 10%, max. €25.00

• Expenses for care aids intended for consumption per month. up to €40.00

Care when a caregiver is unavailable by persons who are not close relatives (stand-in care)

• For care grades 2-5: up to €1612.00 per calendar year, with transfer of unused funds from short-term care (up to €806.00), total €2418.00

• You are also entitled to half of the care allowance previously received (in principle up to 6 weeks per calendar year)

Semi-stationary services of day and night care

reimbursement of expenses monthly for general care services, the necessary transport of the VP from the home to the day or night care facility and back, additional nursing care services in day and night care facilities (in inpatient care facilities/nursing homes):

• Care level 1 up to €125.00 relief amount according to § 28a paragraph 2 SGB XI

• Care level 2 €689.00

• Care level 3 €1298.00
• Care level 4 €1612.00
• Care level 5 €1995.00

respite care

For nursing grades 2-5: for general nursing services and for additional nursing care services per calendar year

• up to €1612.00

with transfer of unused funds from preventive care (up to €1612.00)

• total €3224.00

There is also an entitlement to half of the care allowance previously received (in principle up to 8 weeks per calendar year).

Additional benefits for insured in outpatient assisted living groups

• In all levels of care monthly €214.00

Measures to improve the living environment

-. Up to €4000.00 per measure (maximum €16000.00 if several beneficiaries live together).

• Also applies to care level 1.

relief amount

For outpatient care:

• in all levels of care monthly up to €125.00

(In the case of inpatient care instead €125.00 flat-rate subsidy towards the costs of inpatient care.)

Inpatient care services

Reimbursement of expenses for general care services as well as for additional nursing care services in inpatient facilities

• Care level 1 €125.00
• Care level 2 €770.00
• Care level 3 €1262.00
• Care level 4 €1775.00
• Care level 5 €2005.00

Accommodation Catering

• Expenses for board and lodging are covered to the extent that the respective benefit amount for inpatient care exceeds the care-related expenses, including the expenses for care and medical treatment.

Care in fully inpatient facilities of help for disabled people

• Per month up to €266.00

Important

The insurance cover basically extends to care in Germany. In the case of a temporary stay in a country of the EU, the EEA or Switzerland, there is an entitlement to care allowance or proportionate care allowance for home care.