Good care takes time. Clarify the costs early.
For midwives and birth centres
Plan private extras before a pregnancy. You clarify the billing; Healio reviews cover and reimbursement.
Review before a pregnancy. No immediate cover promise for ongoing cases.
Responsibilities in the Healio concept for midwives
- Midwife informs
- You provide families with a neutral pointer without giving insurance advice.
- Families decide
- Interested families choose whether they want to contact Healio.
- Healio checks
- We clarify eligibility, tariffs and next steps individually.
For midwives and birth centres
Good care takes time. Clarify the costs early.
Plan private extras before a pregnancy. You clarify the billing; Healio reviews cover and reimbursement.
Review before a pregnancy. No immediate cover promise for ongoing cases.
Responsibilities in the Healio concept for midwives
Midwife informs
Families decide
Healio checks
Provide care. Agree the costs clearly.
On-call services and additional care can create separate costs. A longer home visit is not automatically a private service. Whether billing is permitted and whether reimbursement is available are two separate reviews.
Plan early and review benefits separately
up to EUR 3,000
Plan benefits over two years
Up to EUR 3,000 in health budget over two years comes from a suitable outpatient plan under its terms. A health fund bonus may offset all or part of the premium. Midwifery costs and hospital benefits require their own review; they are not automatically added to the budget.
From practice
Two examples from midwifery practice
Make remaining costs visible. Clarify billing and insurance cover first.
Hypothetical calculation
On-call service: what remains?
- Fee
- EUR 800
- Subsidy
- EUR 250
- Balance
- EUR 550
Assume a fee of EUR 800 and an approved health fund subsidy of EUR 250. The family’s remaining cost is EUR 550.
This is not a reimbursement promise. The actual subsidy, agreement and any insurance benefit must be reviewed individually.
Longer care
A 60- or 75-minute home visit
More time does not automatically mean more privately billable fees. The service actually provided is what matters.
- 1Check the statutory billing position, time and contact limits, and any medical order.
- 2Agree only separately permitted private services specifically and in writing beforehand; no double billing.
- 3Then request a written review of possible insurance benefits.
No flat extra-time charge or fixed amount per visit. The service, fee rules and invoice must match.
Templates and checklists for the next step
Download without contact details. Complete individually and review before use. The PDFs are in German.
For your midwifery practice
Separate services, agreements and statutory contributions clearly. The templates do not authorise a flat surcharge.
For families
Collect the health fund decision, existing policy and service details for an individual cover review.
Working templates to complete individually, not validated contracts or reimbursement confirmations. The insurer makes the decision.
Health fund, bonus and supplementary cover
Which benefits may be relevant
Statutory benefits, bonuses and supplementary cover are separate. Eligibility depends on the health fund, plan, evidence and personal circumstances.
Depending on the plan, up to EUR 1,000 for natural medicine
In the highest SDK outpatient level over two calendar years. Only insured services that are correctly billed count.
Additional screening may be insured
Depending on the plan, eligible preventive tests may count. Not every self-pay service is automatically insured; Healio reviews the terms.
Review acupuncture and osteopathy individually
Eligibility depends on the plan, practitioner qualifications, billing and medical circumstances.
Medication and aids under the plan terms
A prescription, a statutory insurer contribution and other conditions may be required.
Check newborn enrolment early
Newborn enrolment without health questions requires registration within two months of birth and suitable parental cover. Die Bayerische requires three months of prior insurance; SDK does not.
View details on health fund benefits and supplementary cover
IKK classic Benefits
Midwife on-call service
per pregnancy, check eligibility
Minerals
Iron, folic acid and magnesium, subject to the health fund terms
Additional screening
Toxoplasmosis, streptococcus, parvovirus and cytomegalovirus
Postnatal recovery
Amount follows the current bonus programme
Maternity screening
Amount follows the current bonus programme
Birth preparation courses
Check IKK classic participation terms
Home or birth-centre birth
Clarify statutory benefits and possible subsidies individually
SDK Supplementary Insurance
Pregnancy screening
Maximum in the highest level over two calendar years; policy terms apply
Natural medicine
Maximum in the highest level over two calendar years; eligible services only
Medication and aids
Maximum in the highest level; prescription, statutory contribution and policy terms apply
Outpatient health budget under the plan
up to EUR 3,000
Plan reimbursement for additional outpatient care.EUR 3,000 represents maximum plan benefits, not a cash bonus from a health fund. Statutory benefits, bonuses and insurance benefits are reviewed separately.
Newborn cover
For newborn cover, timing matters
Newborn enrolment depends on legal and policy requirements. Midwives give a pointer; Healio reviews the individual case.
Registration within two months may allow cover from birth.
Under section 198 of the German Insurance Contract Act, newborn enrolment can provide cover without risk surcharges or waiting periods, backdated to birth. The requested cover must not be higher or broader than the insured parent’s cover. Die Bayerische requires three months of parental prior insurance; SDK does not. The parent’s policy must be in place in time.
View details on newborn enrolment and hospital cover
Why an early review is useful
Health declarations can affect a later application. An early review clarifies the options for parents and child. It is neither a medical assessment nor a promise that every desired plan is available.
What the hospital plan provides
SDK SP1 and SP2 include rooming-in for insured children under 16, single or twin rooms depending on the plan, private medical treatment and hospital choice. Healio explains the terms with the family.
What you can tell families
Point families to the two-month newborn registration deadline and refer them to Healio for an individual review. You do not need to compare insurers or assess health declarations. Prior insurance periods and the level of cover are checked against the actual policy.
Distinguish an ongoing pregnancy from future cover
With die Bayerische, a pregnancy already medically confirmed when applying is not covered. Eight months of waiting apply to childbirth and, according to the confirmed current claims practice, also to the named outpatient services during pregnancy and postnatal care. Individual SDK outpatient screening benefits are reviewed separately; they do not imply cover for childbirth.
The next step
Interested families contact Healio directly. We review existing cover, desired benefits, deadlines and exclusions before recommending a plan or submitting an application. No retrospective cover is promised.
Review each plan individually
Premiums, health questions, waiting periods and benefits differ. Healio compares suitable options; the midwife remains an information provider.
Die Bayerische
Hospital cover under the plan terms
Komfort and Prestige: hospital benefits under the respective plan
Family room at childbirth through the mother’s policy: Prestige without a plan-specific monetary cap, Komfort up to the twin-room benefit
Eight months of waiting for childbirth; an already confirmed pregnancy is not covered
Newborn enrolment: one parent insured for at least three months, registration within two months of birth
The named outpatient midwifery services are part of current claims practice, not a separate explicit plan promise
Eight months of waiting have also been confirmed for these services; clarify eligibility and reimbursement in writing beforehand
Current outpatient claims practice does not replace a separate entitlement under the plan. Healio clarifies the case with the insurer; the midwife does not promise reimbursement.
SDK
No policy waiting period; exclusions still apply
No policy waiting periods under current terms; events already underway remain excluded
Newborn enrolment without health questions or a parental prior insurance period; register within two months of birth
Rooming-in for insured children under 16
Attending midwife during hospital childbirth in SP1 and SP2; family room at childbirth in SP1
Single or twin rooms, private medical treatment and hospital choice depending on the plan
Health declarations and exclusions for an already confirmed pregnancy still apply
The application, health declarations and policy terms determine cover. The policy must be effective before the relevant insured event.
A health fund bonus may offset all or part of eligible, evidenced premiums under its own rules. The amount and any combination are checked separately; full funding is not guaranteed.
The appropriate route depends on age, budget, health declarations and existing cover. Healio reviews this individually. You do not need to explain plans or calculate premiums.
All the details on hospital supplementary insuranceOutpatient and inpatient
What Healio clarifies with your families
Outpatient cover is about antenatal care during pregnancy; inpatient cover is about the hospital and the child.
Outpatient
Antenatal care during pregnancy
A suitable outpatient plan may include additional screening such as detailed ultrasound, toxoplasmosis tests or a nuchal translucency scan. Individual benefits may be relevant during an existing pregnancy; Healio reviews them separately.
Health declarations, acceptance and policy terms determine cover. A screening budget does not promise cover for childbirth or complications.
Inpatient
Hospital care and cover for the child
A suitable hospital plan may provide private medical treatment and a single or twin room. Newborn enrolment requires suitable parental cover, timely registration and the other applicable conditions. The child’s cover must not be higher or broader than the insured parent’s cover.
Register within two months of birth. Die Bayerische requires at least three months of parental prior insurance; SDK requires no prior insurance period. Enrolment without health questions and backdated cover from birth depend on the applicable requirements. For an existing pregnancy, review the start of cover, waiting periods and exclusions for ongoing or recommended examinations and treatment separately.
A family can have both an outpatient and an inpatient plan. An outpatient-only policy for the parents gives the child no inpatient cover. In a consultation, Healio clarifies which plans fit.
Good to know
Die Bayerische and your midwifery services
Komfort and Prestige provide hospital benefits under the respective plan. Outpatient midwifery services are reviewed under confirmed current claims practice; the terms contain no separate explicit promise for them. A family room at childbirth follows the mother’s policy: Prestige without a plan-specific monetary cap, Komfort up to the twin-room benefit.
Eight months of waiting apply to childbirth and, under confirmed claims practice, also to the named outpatient pregnancy and postnatal services. Ongoing or recommended examinations and treatment are excluded. Request a written review of the specific case beforehand.
Responsibilities
Three roles. Clear responsibilities.
Billing and insurance benefits are separate decisions.
The midwife does not promise insurance cover or reimbursement. Individual billing and agreements must follow the applicable statutory and fee rules.
Quick answers
Key questions before deciding
Does die Bayerische automatically reimburse outpatient midwifery costs?
No. The named outpatient services are subject to confirmed current claims practice, not a separate explicit plan promise. Healio requests a written review of requirements, evidence and the specific case beforehand.
Do the eight months also apply to outpatient services?
Die Bayerische has confirmed eight months from the start of insurance for the named outpatient pregnancy and postnatal services. Childbirth has eight months of waiting too. Completing that period alone does not guarantee reimbursement. Review the options before a pregnancy and clarify the specific case in writing.
What if the pregnancy has already been confirmed?
Die Bayerische’s product summary excludes ongoing or recommended examinations and treatment. Whether later outpatient midwifery services can be considered after the waiting period requires a written review of the specific case. Review individual SDK outpatient screening benefits separately; these do not promise immediate cover for childbirth or ongoing treatment.
Can a longer visit simply be charged as a private extra?
No. Check statutory benefits, time and contact limits, and any medical order first. Separately permitted private services must be agreed specifically and in writing before the service is provided. This does not justify a flat EUR 50 charge or double billing.
Which policy provides the family room?
With die Bayerische, it follows the mother’s policy: Prestige without a plan-specific monetary cap, Komfort up to the twin-room benefit. Policy requirements, eight months of waiting and timely cover remain essential.
Can I use the templates unchanged as a validated contract?
No. The downloads are working aids. Review and complete the service, fee basis, statutory billing rules and individual agreement before use. They do not replace a reimbursement confirmation.
How it works
This is how easy it works for you.
- 01
Quick Introduction
Allow 45 minutes. We explain the concept and you decide whether it fits your work.
- 02
Receive Materials
Use the templates and checklists for your practice and families. Complete them individually and check the requirements.
- 03
Families Benefit
Interested families contact Healio directly. We review needs, health declarations, deadlines and terms; the insurer decides on acceptance and benefits.
You provide professional care. Financial options and insurance cover are clarified separately.
Ready for a quick introduction?
45 minutes. No sales pitch. Just clear facts for your work.
Appointment booking after your approval
Loading transfers technical connection data to Google Calendar. The rest of this page remains available without the calendar.