Why are you still paying for naturopaths and glasses yourself? Get up to EUR 3,000 back, with no waiting period.

Bonus 2026: Vorsorge, Kurse und Sport zählen nur, wenn sie noch dieses Jahr stattfinden. Der ambulante Schutz hat keine Wartezeit.

Choose a time that suits you. We discuss your cover together.

Up to EUR 3,000 health budget over two calendar years for naturopaths (Heilpraktiker), osteopathy, glasses, preventive care and co-payments. No waiting period, pre-existing conditions are covered with a surcharge. Our insider tip: your health fund bonus can win back all or part of the premium.

SDK AP1: four separate limits for 2 calendar years from the start of cover. Eligible expenses, health declarations and plan conditions apply.

Up to EUR 3,000 over 2 years.

SDK Ambulant 100 / AP1. Four separate benefit limits.

Vision aids: EUR 500
Naturopathic treatment: EUR 1,000
Preventive care: EUR 500
Medical aids & co-payments: EUR 1,000

Not a freely available balance. Reimbursement requires insured services and invoices. Medical aids require a prior contribution from your statutory health fund.

Insurance broker under § 34d GewO
Plan limits explained before you commit
Personal support

Outpatient supplementary insurance

Why are you still paying for naturopaths and glasses yourself? Get up to EUR 3,000 back, with no waiting period.

Four reimbursement pots for natural therapies, glasses, prevention and co-payments. Per two calendar years.Up to EUR 3,000 health budget over two calendar years for naturopaths (Heilpraktiker), osteopathy, glasses, preventive care and co-payments. No waiting period, pre-existing conditions are covered with a surcharge. Our insider tip: your health fund bonus can win back all or part of the premium.

Book an appointment Explore benefits first

Choose a time that suits you. We discuss your cover together.

Up to €3,000 over two years

Level Ambulant 100 (AP1), 100 % reimbursement

Vision aidsup to €500Glasses & contact lenses
Natural therapiesup to €1,000Alternative medicine & osteopathy
Screening & vaccinesup to €500Checks, vaccines & approved prevention courses
Medical aids & co-paymentsup to €1,000Prescribed aids & statutory out-of-pocket shares

How the budgets apply

The values are four separate maximums per two calendar years from the policy start. Eligible invoices are reimbursed; this is not cash to spend freely. Screening, vaccines and approved prevention courses share one pot. Policy terms and reimbursement limits apply.

SDK outpatient plan

At a glance

What to know before you choose your plan.

Reimbursement
up to100%
Naturopaths, osteopathy, glasses, prevention
For naturopaths (Heilpraktiker), osteopathy, glasses and preventive care. Depending on the tier, the plan reimburses 50 to 100%, vision aids 100% in every tier.
Health budget
up toEUR3,000
over two calendar years
Over two calendar years, split into four separate pots. Every pot is available in full from the start of cover.

No waiting period
Cover from the start, except for ongoing or recommended treatment.
Your cover starts on the policy start date. Treatment already under way or recommended before the start is not covered.
Pre-existing conditions covered
A surcharge instead of an exclusion.
They cost a surcharge and are then fully covered. There are no exclusions for pre-existing conditions.
Health questions, no rejection
You answer them in the application. You will not be rejected because of them.
Personal support
Broker under § 34d GewO, in the broker register.
Healio is a broker licensed under § 34d GewO and listed in the German broker register. We support you up to the application.
Call us: 040 89755705

Our insider tip

Your health fund bonus helps pay.

Many statutory health funds reward check-ups and sport with a bonus. You can use it to win back all or part of your premium.

Many statutory health funds reward check-ups, sport and courses with a bonus. You can use it to win back all or part of your premium. How much depends on your fund and your activities.

Choose your plan

See your premium there straight away.Enter your year of birth there to see your premium straight away.

Conditions in detail

* EUR 3,000 applies to the Ambulant 100 tier (AP1). Each pot applies per two calendar years from the start of cover. If you start during the year, the first period is shorter.
Laser eye surgery is not part of the four pots. In Ambulant 100 (AP1) it is up to EUR 1,000 per eye and insured event, less in the other tiers. In the first four calendar years, half of that applies.
You claim the health fund bonus from your fund yourself. The amount depends on your fund and activities. It is not offset against the premium automatically.
Based on the SDK terms for the AP tariffs (1.753a, as of 1 January 2023).

Your cover. Worked out together.

We guide you from your first question to your application. You stay in control at every step.

Book an appointment
Choose a time that suits you for your personal consultation.
Work it out together
We personally guide you through cover, health questions and your premium.
Decide in your own time
Review and confirm your application by email. We support you through submission.

Book an appointment

The consultation does not conclude a contract. You review all details first.

SDK · provider rating
IKK classic · Families
IKK classic · Parents
SDK · provider rating
IKK classic · Families
IKK classic · Parents

Rating details

SDK · provider rating
German Fairness Award 2025. Overall winner among private health insurers. Customer survey of 24 providers.
ntv / DISQ · 2025

krankenkasseninfo.de, as of 09/2026, 72 statutory health funds tested. The rating covers the health fund IKK classic, not the supplementary insurance.

Ratings for our product partners

SDK · provider rating
German Fairness Award 2025
Overall winner among private health insurers. Customer survey of 24 providers.
ntv / DISQ · 2025

What applies to glasses and contact lenses?

Each tariff has a separate vision-aid pot of EUR 200 to EUR 500 per two calendar years. Glasses and contact lenses are reimbursed at 100% in every tier until the pot is used up.

Choose your plan

Your budget compass

What are you still paying for yourself?

Choose your main priority and see what matters when comparing plans.

What we compare for you

Alternative medicine & osteopathy

Your comparison gets a clear focus.

Reimbursement for natural treatments
Available sub-budget
Billing under the policy terms

You are not committing yet. The calculator lets you compare every tier and your personal premium.

Your level of cover

Choose your health budget.Not everyone needs 100%. Everyone should see the difference.

Four tiers. Your age determines the premium.Compare more than the total. See how each tier divides its budget across four benefit pots.

Your year of birth

Ambulant 100 · AP1

€3,000

Health budget over 2 years

100 %Reimbursement

Vision aids are reimbursed at 100% in every tier until the pot is used up.

Monthly premium by age

€20.76 to €50.76 / month

Enter your year of birth above to see your premium.Enter your year of birth above to see your premium.

SDK tariff premiums, as of 29.09.2026

How your budget is allocated

Four separate reimbursement pots · not cash to spend freely

Vision aids
Glasses & contact lenses
€500
Natural therapies
Alternative medicine & osteopathy
€1,000
Screening & vaccines
Checks, vaccines & approved prevention courses
€500
Medical aids & co-payments
Prescribed aids & statutory out-of-pocket shares
€1,000

Book an appointment

We clarify health questions and your personal premium together.

Open the SDK calculator yourself (new tab)

Details for your selected tier

Vision aids: €500
Natural therapies: €1,000
Screening & vaccines: €500
Medical aids & co-payments: €1,000

These premiums do not replace a personal quote. You see your binding premium in the calculator before you apply.

All four tiers at a glance

Tier	Reimbursement	Budget over 2 years	Monthly premium by age
Ambulant 50 · AP5Vision aids €200	50 %	€1,400	€6.79 to €21.00 / month
Ambulant 70 · AP7Vision aids €300	70 %	€2,000	€10.13 to €33.13 / month
Ambulant 90 · AP9Vision aids €400	90 %	€2,600	€18.08 to €43.91 / month
Ambulant 100 · AP1Vision aids €500	100 %	€3,000	€20.76 to €50.76 / month

All premiums by age group

All premiums by age group
Age	AP5	AP7	AP9	AP1
age 0 to 20	€6.79	€10.13	€18.08	€20.76
age 21 to 30	€10.36	€15.82	€27.44	€31.64
age 31 to 40	€12.29	€18.71	€33.84	€39.19
age 41 to 50	€14.14	€23.10	€37.95	€44.13
age 51 to 60	€16.05	€25.71	€39.98	€46.62
age 61 to 70	€18.87	€28.97	€43.29	€50.34
age 71 and over	€21.00	€33.13	€43.91	€50.76

Vision aids are reimbursed at 100% in every tier until the pot is used up. These premiums do not replace a personal quote. You see your binding premium in the calculator before you apply. SDK tariff premiums, as of 29.09.2026.

Want more preventive care? You can add the UKV module voluntarily.

Optional add-on

Add UKV if you wish.

According to UKV, the prevention plan pays for medical screening.

Preventive care by doctors at 100%

up to EUR 500 a year

Up to EUR 200 in the first calendar year

Monthly premium from age 20

€13.45 / monthUp to age 19 €8.80

€4 more with glasses or contact lenses.

No waiting period
Application only asks about vision aids and hearing

Calculate UKV premium

The calculator shows you the prevention add-on directly. The form is in German.

All detailsConditions, always included, cancellation

Preventive care by doctors at 100%

According to UKV, the prevention plan pays for screening by doctors outside your statutory insurer’s age and interval limits.

Up to EUR 200 in the first calendar year and up to EUR 500 in the first two calendar years combined.

Skin cancer screening with dermatoscopy
Cancer screening such as colonoscopy, mammography, breast ultrasound, PSA or HPV test
General health check-up
Full blood count with vitamin D and thyroid value (TSH)
For children: U10, U11, J2 plus eye and hearing checks

Reimbursed for examinations by a doctor invoiced under the German medical fee scale (GOÄ). Invoices from alternative practitioners, flat-rate invoices and receipts do not count here. If there is a justified suspicion of illness, it counts as treatment, not prevention.

For a pregnancy that has already been confirmed, the SDK prevention pot is the right route.

Always included

Vaccinations: including travel vaccines and malaria prophylaxis, 100% up to EUR 300 in two calendar years
Glasses and contact lenses: no prescription needed, 80% of up to EUR 500, so up to EUR 400 in two calendar years
Laser eye surgery: 100% up to EUR 1,500 over the whole contract term, up to EUR 200 in the first calendar year and up to EUR 500 in the first two combined
Hearing aids: prescribed by a doctor, after your statutory insurer's share 80% of up to EUR 1,000, so up to EUR 800 in five calendar years

Application

No maximum entry age. The application only asks about a vision aid (then a €4 surcharge) and about hearing loss or deafness (then hearing aids are not covered).

A good fit for

Prevention without an alternative practitionerChildrenLong-haul travel with vaccinationsMore prevention than your SDK pot covers

You decide whether you want this additional cover.

Every SDK tier already has a separate pot for screening and one for glasses and contact lenses, with EUR 200 to EUR 500 over two calendar years depending on the tier. The UKV add-on is optional. Reimbursement follows each policy’s terms; the combined amount never exceeds the invoice total.

If you wear or need glasses or contact lenses, you pay €4 more: €17.45 for adults, €12.80 for children. The adult premium applies from January of the year you turn 20. There is no further age step after that, premium adjustments remain possible. UKV premiums valid from 1 May 2026. Together with your statutory insurer and other policies, reimbursement never exceeds the invoice amount. The prevention add-on runs at least until the end of the following calendar year and can then be cancelled annually with three months' notice to the end of the year. The UKV policy terms apply.

Another screening option: ARAG V100

A separate screening route · ARAG V100

Only looking for additional medical screening?

For targeted health checks, ARAG V100 is a separate route to assess: up to EUR 1,000 for screening in a fixed benefit catalogue, such as a comprehensive health check, ultrasound of internal organs, lung checks and cancer screening.

100% of eligible remaining costs · up to EUR 1,000 for screening over two consecutive calendar years

Vaccinations: a separate EUR 200 limit over the same period

No rejection due to pre-existing conditions · 3-month general waiting period. Use statutory benefits first. Benefit catalogue and policy terms apply.

Already have private supplementary insurance? Declare your existing cover. ARAG’s application excludes equivalent cover with another insurer. SDK and ARAG screening budgets therefore cannot be promised as one combined package.

Request my V100 quote

Start with your first name and email. We personally guide your quote and application.

Which checks are eligible?

The plan covers screening for early detection of disease listed in its benefit catalogue. It is not a freely available laboratory or training budget. For lactate tests, cardiopulmonary exercise testing or individual vitamin and blood markers, we clarify the specific medical services before promising cover. Statutory benefits must be used first. Private invoices under GOÄ are considered only where the service cannot be billed to the statutory insurer.

What matters during pregnancy?

The catalogue lists one additional ultrasound and one triple test per pregnancy. Not every prenatal test is covered. For an existing pregnancy, entitlement must be clarified individually before any cover is promised.

Switching health insurance made easy

Your health fund bonus can help pay.You stay publicly insured and use the better bonus

Changing your statutory health fund remains optional.You are not leaving the statutory system. You are only switching to the fund whose bonus better supports the supplementary cover you want.

Secure your IKK bonus

krankenkasseninfo.de health fund test for families: IKK classic grade 1.6 (good), as of 09/2026, 72 statutory health funds tested

krankenkasseninfo.de health fund test for expectant and new parents: IKK classic grade 1.7 (good), as of 09/2026, 72 statutory health funds tested

StartYour current public fund

The bonus supports your premiumOutpatient supplementary coverUp to EUR 3,000

Health budget over 2 years

New health fundIKK classicEUR 700+ bonus possible

Your cover continues seamlesslyYou only change statutory health fund

Your switch advantages

Switching is easier than you think.

Core coverage remains regulated by law
Your insurance protection continues seamlessly
Switch without paperwork

Relaxed person in a hammock with a smartphone, shield and health budget symbols

The key reassurance

You are not giving up your healthcare. You are only changing provider.

Your statutory core coverage stays in place. Doctors, specialists, hospitals, prescriptions and ongoing treatments remain the secure foundation. The real difference is in the extras, the bonus program and how well the fund supports the premium for your supplementary cover.

Secure your IKK bonus Understand the switch timeline

You stay publicly insured
This is not a jump into a new system, but a switch within statutory health insurance.
Doctors and hospitals stay
Your GP, specialists, hospitals and therapists do not change because you switch health funds.
Core coverage remains
98% of benefits are defined by law and are the same across all statutory health insurers.
Your old fund is informed automatically
IKK classic handles cancellation with your previous health insurer. You do not need to call them yourself.
Briefly report ongoing treatments
After switching, inform IKK classic once about ongoing treatments. For privacy reasons, these details are not automatically transferred by your previous health insurer.

98%

of all benefits are identical

at every statutory health insurance fund, guaranteed by law

Doctor visits & specialist treatments

Hospital stays

Medications & prescriptions

Preventive examinations

Dental treatments (basic care)

Sick pay & rehabilitation

Prenatal care & birth

Psychotherapy

Physiotherapy & occupational therapy

Only with the remaining 2% (supplementary statutory benefits) are there differences between funds. And this is exactly where IKK classic excels:

The IKK classic Extras

Where health insurance funds differ, IKK classic offers more

Pregnancy, up to €450 extra
Up to €250 for your midwife's on-call service, up to €100 for additional prenatal check-ups and up to €100 for iron, folic acid or magnesium on a private prescription. If your partner is insured with IKK classic as well, they can choose a subsidy for their own birth preparation course instead of the cash bonus, at most up to the course costs.
Osteopathy, €160/year
4 sessions at €40 per calendar year, also for babies and children, no age limit.
Bonus programme: cash bonus or triple subsidy
You earn a cash bonus for check-ups, sport and vaccinations. Instead of the cash bonus you can choose three times the amount as a subsidy, for example towards your supplementary insurance premium. It pays out at most up to your documented costs.
Savings plan, up to €600/year back
Premium refund if you only use preventive care. Vaccinations, check-ups and cancer screening don't count against you.
Travel vaccinations
Yellow fever, Hepatitis A/B, typhoid and more, subsidized by IKK classic.
Health courses, €180/year extra
2 courses at €90 per year for yoga, back training, nutrition or stress management. This budget is independent of the bonus program, so it comes on top.
Bonus application until end of March
You have until March 31 of the following year to submit your bonus. No stress, no time pressure, and from 2026, a single activity is already enough.

How the Switch Works

Step 1
Submit application
You sign up online with IKK classic. It takes just a few minutes.
Step 2
IKK handles the rest
IKK classic automatically cancels your old health insurance fund for you. You don't need to do anything.
Step 3
Seamlessly insured
After 2 months, you're a member. Your insurance coverage continues without interruption.

How supplementary cover and the health fund switch work together

Your supplementary insurance and the switch of statutory health fund are two separate steps. Supplementary cover can start on the selected insurance date, while the IKK switch runs in parallel and adds the bonus afterwards.

first
Take out outpatient cover
You select suitable outpatient supplementary cover. The insurance start depends on the application, acceptance and your chosen start date.
in parallel
Apply to switch health fund
You submit your membership application to IKK classic. The new fund automatically informs your previous statutory health fund.
after the switch period
IKK membership starts
The exact start depends on statutory notice periods and your previous binding period. Your statutory insurance cover continues without a gap.
afterwards
Use the bonus for the premium
As an IKK member, you can activate the bonus and submit premiums for the chosen supplementary insurance as eligible expenses under the applicable bonus terms.

How the funding works

Supplementary cover first, bonus afterwards

Supplementary cover applies from the agreed insurance start date. The IKK bonus is added after the health fund switch and may offset all or part of your premium depending on the bonus amount and plan.

all or part

of your supplementary insurance premium may be offset by the bonus

Simplified illustration. Requirements include acceptance for the chosen supplementary insurance plan, fulfillment of the conditions for switching statutory health fund and the applicable bonus terms. Start date and bonus amount may vary individually.

Common Concerns, And Why They're Unfounded

How to finance your outpatient cover

Two ways, which you can also combine:

Which way brings you more? Check with KassenBoost

A cheaper health insurance fund

A lower fund contribution leaves more money for your supplementary cover.A lower additional contribution leaves you more each month. The money you save pays for your outpatient cover. The higher your salary, the more it adds up.

Your fund's bonus

Sport and preventive care may earn a bonus that helps pay your premium.Your fund pays a bonus for sport, check-ups and dental check-ups, regardless of income. It can pay for all or part of your outpatient cover.

Up to, under the statutes

How much of it can you unlock?

€810Maximum under the 2026 statutes · suitable evidence · recognised out-of-pocket costs

Everything used, without pregnancy; during pregnancy up to €1,155. Most people reach 400 to 700 EUR; the subsidy actually available depends on the current bonus terms.

All or part

of the premium may be offset by your bonus.

Then comes KassenBoost

Let your insurer bonus help pay.

Depending on your activities, your statutory insurer bonus may offset all or part of your plan premium. KassenBoost compares contribution, achievable bonus and benefits separately.

Compare contributionCalculate a realistic bonusSee benefits separately

Your personal result depends on your insurer, activities, selected tariff and eligible costs. We calculate it transparently.

Find the insurer that fits the tariff

Try the bonus yourself

How much bonus is possible?How much of your premium could you get back?

Interactive IKK classic example

Select your activities and see what a subsidy towards the plan premium could be.Interactive IKK classic example

Open bonus calculator

Select your activities and see what a subsidy towards the plan premium could be.

This model reflects the IKK classic bonus programme and is not a preselection. KassenBoost then compares which statutory insurer fits your plan and routine.

What applies to you?

A realistic example is preselected. Adjust it to the activities you can actually document.

Vaccination

Per covered, completed immunisation

0max. 8

0 € cash bonus0 € subsidy

Dental checkup

One check per half-year, from age 6

2max. 2

2×10 € cash bonus30 € subsidy

Dental screening Z1–Z6

Age 6 to 72 months, per appointment

0max. 6

0 € cash bonus0 € subsidy

Skin cancer screening

Every 2 years from 35; earlier only with risk

10 € cash bonus30 € subsidy

Ultrasound screening

Abdominal aortic aneurysm, men 65+ once

10 € cash bonus30 € subsidy

Mammography screening

Women 50 to 75, every 2 years

10 € cash bonus30 € subsidy

Maternity checkup

Per statutory pregnancy examination

0max. 15

0 € cash bonus0 € subsidy

Child checkups (U1–U11)

Per documented examination

0max. 12

0 € cash bonus0 € subsidy

Youth checkups J1–J2

Per documented examination

0max. 2

0 € cash bonus0 € subsidy

Amblyopia screening (children)

Two eligible age windows, per screening

0max. 2

0 € cash bonus0 € subsidy

Lung cancer screening

For eligible current or former smokers aged 50 to 75, every 12 months

10 € cash bonus30 € subsidy

Health check-up

According to age and eligible interval

10 € cash bonus30 € subsidy

Cancer screening

Women 20+, men 45+, annually

10 € cash bonus30 € subsidy

Colon cancer screening

Every 2 years from 50; earlier only with risk

10 € cash bonus30 € subsidy

Outdoor group sports

With qualified instructor

25 € cash bonus75 € subsidy

Postnatal exercise

For women

25 € cash bonus75 € subsidy

IKK health courseStrong lever

1x per year

25 € cash bonus75 € subsidy

Fitness or sports studioStrong lever

Quality-certified studio

25 € cash bonus75 € subsidy

Sports club / company sports

Club or university sports

25 € cash bonus75 € subsidy

German sports badge

Status value; requires a regular activity

25 € cash bonus75 € subsidy

Sports federation badge

Status value; requires a regular activity

25 € cash bonus75 € subsidy

BMI in normal range

Status value, combine with activity

25 € cash bonus75 € subsidy

Normal blood pressure

Status value, combine with activity

25 € cash bonus75 € subsidy

Submit proof digitally

Bonus activities require proof accepted by IKK classic, such as confirmation in the app, a participation certificate or a stamp. For a subsidy towards an insurance premium, you also provide evidence of the insurance type, period and premium paid.

Official IKK 2026 information sheet (April 2026)

Potential subsidy towards your premium:

360 €

Ambulant 100 (AP1) · €31.64/month, age 21 to 30

Your monthly premium:

= Annual premium:379.68 €

Subsidy potential earned:360 €

Eligible for this premium:360 €

Alternatively as a cash bonus: 120 €

Click on the premium to enter your individual amount (incl. risk surcharge).

Your bottom line

Your effective yearly cost19.68 €

Your health budget in return (2 years)up to €3,000

Example using the IKK classic bonus model. The subsidy is capped at the documented annual premium and subject to current bonus and tariff terms.

The bonus can pay the premium of your supplementary insurance, as a threefold subsidy for documented costs.Cash bonus and subsidy are alternatives and are not added together. The subsidy is capped at your documented eligible costs.

In the calculator you pick the same tier: Ambulant 100 (AP1). Then you see your personal premium. The calculator is in German.

Get quote – German form Compare statutory insurers with KassenBoost

Example based on the 2026 IKK classic bonus model. The insurer’s current terms always apply.

Your questions deserve time.

We explain the options and guide you through the application. You review everything before deciding.

Book an appointment

The key questions before you decide.

What is behind the EUR 3,000?

EUR 3,000 is the sum of four separate reimbursement budgets in the strongest SDK tier, AP1, over two calendar years: EUR 1,000 for natural therapies, EUR 500 for vision aids, EUR 500 for screening, vaccinations and approved prevention courses, and EUR 1,000 for medical aids and statutory co-payments. It is not freely available cash. Reimbursement depends on insured invoices and policy terms. A statutory insurer bonus can help with the premium.

What does outpatient cover cost per month?

That depends on your age and the tier. According to the SDK premiums (as of 29.09.2026), the monthly premium ranges from EUR 6.79 to EUR 50.76. You see your own premium in the tier selection once you enter your year of birth. Pre-existing conditions may add a risk surcharge.

How much of the premium can my insurer bonus offset?

All or part of it. Your insurer, verified activities, selected plan and eligible costs determine the result. KassenBoost compares your realistically achievable bonus with the premium.

Do I have to switch statutory insurer?

No. Supplementary cover and statutory insurance are separate decisions. Choose cover first, then use KassenBoost to check whether another insurer is a better financial match.

Is there a waiting period?

SDK AP plans and the optional UKV VorsorgePRIVAT add-on have no general waiting period. Cover applies from the agreed start under the applicable terms; treatment already under way or recommended is not automatically covered. The separate ARAG V100 alternative has a general waiting period of three months.

Do I have to answer health questions?

For SDK, you answer health questions fully and truthfully. As a rule, this does not lead to a rejection, even with pre-existing conditions. SDK covers pre-existing conditions with a risk surcharge; there are no benefit exclusions. The optional UKV add-on asks about vision aids and hearing. ARAG V100 does not reject applicants due to pre-existing conditions, but checks existing or applied-for equivalent cover.

What happens after I open the calculator?

Before opening the external calculator, you enter your first name and email once per session so we can email you the statutory health bonus guide once. The calculator then opens in a new tab. There you compare tiers, see your personal premium and answer the application questions before applying. The insurer’s application is in German.

How is the budget divided?

Each SDK tariff has four separate maximums: vision aids, natural therapies, screening with vaccinations and approved prevention courses, and medical aids with statutory co-payments. Each pot covers two calendar years from the policy start. There is no ramp-up period. If your policy starts during the year, the first period is shorter. The budget overview shows the exact split; policy terms remain decisive.

Are alternative practitioners and osteopathy covered?

Both are considered under the natural-therapies pot. Alternative practitioners bill under the German fee schedule for Heilpraktiker (GebüH). Eligible treatments and invoice amounts depend on the selected tariff and policy terms.

What applies to glasses and contact lenses?

Each tariff has a separate vision-aid pot of EUR 200 to EUR 500 per two calendar years. Glasses and contact lenses are reimbursed at 100% in every tier until the pot is used up.

Can my insurer bonus offset the premium completely?

This is not a guaranteed tariff price. Yes, if your recognised insurer bonus is at least as high as your annual premium. Then none of the premium is left for you to pay. Insurer, activities, tariff and bonus terms determine the result.

Your next step

Find suitable cover together.

Benefits, personal premium and application: we guide you through each step.

Book an appointment

Not sure yet? Get personal guidance

You decide what is loaded.

Why are you still paying for naturopaths and glasses yourself? Get up to EUR 3,000 back, with no waiting period.

Up to EUR 3,000 over 2 years.

Why are you still paying for naturopaths and glasses yourself? Get up to EUR 3,000 back, with no waiting period.

At a glance

No waiting period

Pre-existing conditions covered

Health questions, no rejection

Personal support

Your health fund bonus helps pay.

Your cover. Worked out together.

Book an appointment

Work it out together

Decide in your own time

What applies to glasses and contact lenses?

What are you still paying for yourself?

Alternative medicine & osteopathy

Choose your health budget.Not everyone needs 100%. Everyone should see the difference.

Your health fund bonus can help pay.You stay publicly insured and use the better bonus

How to finance your outpatient cover

A cheaper health insurance fund

Your fund's bonus

Let your insurer bonus help pay.

How much bonus is possible?How much of your premium could you get back?

Your Personal Bonus Calculator

What applies to you?

Potential subsidy towards your premium:

Your questions deserve time.

The key questions before you decide.

Find suitable cover together.