What are the benefits of the German Health Insurance (DKV)?
The Deutsche Krankenversicherung (DKV, German Health Insurance) is a
private health insurance registered in Germany. Some tariffs have a temporary
unlimited worldwide recognition, including Germany (without USA).
There is no “life time limit” (a maximum
amount per person and year). In the most important sectors, however,
payments for physicians and dentists are reimbursed based on the German
schedule of fees.
There is a pension reserve that is being built. It keeps
the contributions stable even at an advanced age and does not
let them increase disproportionately high. Only the age of entry
counts. There is no increase of contributions when you
have a birthday.
Even in case of new illnesses during the insurance period, the
contributions will not increase.
The contract cannot be cancelled by the DKV as long as you adhere to the insurance
terms.
Those who return from foreign countries to Germany can continue the private
health insurance, if their income is above the upper income limit or if
they are self-employed.
Civil servants can also continue their insurance in Germany, (see
Federal Ministry of Health for compulsory insurance limit). Those whose income
is within the upper income limit can put the health insurance from DKV on
hold (deferred coverage) until they have reached the upper income limit
again.
People in Germany who are insured by law or in a private health insurance are required to have a long-term care insurance. This compulsory long-term care insurance protects nearly the entire population from financial hardship when in need of care.
Securing personal income in case of illnesses through a per-diem indemnity is not mandatory in Germany but highly recommended. Only Germans who are working outside of Germany for their employer can maintain the per-diem indemnity in foreign countries..
The extraordinary financial strength makes the DKV an insurance partner with whom you can look into the future with confidence. For example, the famous rating agency “Fitch” has analyzed the credit standing of the DKV and rated it AA (very strong). Also in the current map-report, an independent comparison of the financial service branch, the DKV has received the highest possible rating mm (excellent) for long-term, extraordinary benefits.
For whom is the German Health Insurance (DKV)?
The health insurance DKV is only available for German citizens. Spouses, registered partners, and children can be accepted as insured persons with other citizenships.
Those who already live outside of Germany and wish to become a member must have an address and bank account in Germany. The unlimited stay abroad is approved by a special agreement.
A medical risk is checked during the application process; if you receive an offer that includes insurance coverage for pre-existing conditions, a special risk surcharge applies. If the pre-existing condition will be without symptoms and without any treatment in the future, a request of cancellation can be made. For more information about the DKV tariffs, see our PDF file.
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