Registration 
| Insurer & Benefits | Find a broker | |||
|---|---|---|---|---|
Key Facts - In-patient & Day Case Charges | |
|---|---|
| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
| Full cover | |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
| Full cover | |
| Physicians fees & diagnostic tests | |
| Full cover | |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
| Full cover | |
| Organ transplant | |
| Full cover | |
| Outside area of cover limit for USA / Canada | |
| During periods of temporary absence from the country of residence (i.e. for not more than six weeks), DKV will grant insurance cover for medical emergencies, as well as for the consequences of an accident or death, even in geographical area I. Journeys undertaken for the purpose of obtaining treatment in geographical area I are not insured. | |
| Prosthetic devices | |
| Full cover | |
| Psychiatric treatment | |
| Full cover provided that DKV have agreed in writing to pay benefits before treatment commences | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Included, up to € 1,000 : $ 1,300 : £ 840 per insured person and per insurance year. | |
| Diagnostic tests (excluding scans) | |
| Full cover | |
| GP referred consultations | |
| Full cover | |
| Physiotherapy consultant referred | |
| Full cover | |
| Physiotherapy GP referred | |
| Full cover | |
| Psychiatric cover | |
| Full cover provided that DKV have agreed in writing to pay benefits before treatment commences | |
| Radiotherapy / Chemotherapy | |
| Full cover | |
| Scans - MRI / CT / PET | |
| Full cover | |
| Surgical Procedures | |
| Full cover | |
| Vaccinations administered by a medical practitioner | |
Vaccinations Full cover Every kind, including the vaccines and prophylactic measures, insofar as these are recommended for the applicable country of residence. |
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Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| Substitute cash plan benefit for inpatient treatment actually received, but for which no benefits have been claimed from usIncluded, € 100 : $ 130 : £ 84 per day | |
| Nursing at home | |
| Full cover, up to a period of 14 days | |
| Parental accommodation | |
| Full cover for parent rooming-in during inpatient treatment of an underage child under 18 year old | |
| Private ambulance | |
| Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| 24-hour phone and e-mail service with experienced counsellors, own doctors and specialists | |
| Accompanying relative travel & accomodation | |
| DKV will make arrangements for one family member to travel to the hospital and back home if the stay in hospital lasts for more than seven days. DKV will pay the cost of transport (first class railway travel, economy class flight) and hotel accommodation (for up to even days) up to the specified maximum limit, but only if your relevant Service Center has been contacted beforehand | |
| AIDS / HIV treatment | |
| Full cover | |
| Alcohol & drug abuse | |
Detoxification programmes including therapies for drug addiction and alcoholism are not covered by the insurance. Without affecting this provision, the contractual benefits will be paid for an initial detoxification for which reimbursement of the costs or benefits in kind cannot be claimed elsewhere, provided that DKV have agreed in writing to reimburse the costs before the therapy commences. |
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| Annual maximum limit | |
| No annual maximum | |
| Children covered | |
| No age limit | |
| Chinese medicine | |
| Included, up to € 1,000 : $ 1,300 : £ 840 per insured person and per insurance year. Combined limit for complementary medicine and drugs and dressings Acupuncture (needle technique), homeopathy, osteopathy and chiropractic | |
| Chiropractors & Osteopaths | |
| Included, up to € 1,000 : $ 1,300 : £ 840 per insured person and per insurance year. Combined limit for complementary medicine and drugs and dressings Acupuncture (needle technique), homeopathy, osteopathy and chiropractic | |
| Chronic conditions & palliative care | |
| Full cover | |
| Compassionate home visit | |
| Organizing visits for a relative to the patient, up to € 3,000 : $ 3,900 : £ 2,250 per insured person and per insurance year. | |
| Cover for new born children | |
| The newborn baby is insured as from the moment of birth, without qualifying periods, provided that at least one parent is insured under this plan on the day on which the child is born and we receive the application for insurance within two months of the date of birth. If the application for insurance is received more than two months after the date of birth, insurance cover will commence – at the earliest – on the day on which we receive the notification. | |
| Cremation / burial or repatriation of remains | |
Included, the costs directly incurred for repatriating the deceased to the country of departure or home country (including all formalities), The costs for repatriating the urn to the country of departure or home country if the deceased has been cremated in the country of residence. Funeral costs as such will not be reimbursed. |
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| Organizational support in case of bereavement, share of repatriation costs up to € 10,000: $ 13,000 : £ 8,400 | |
| Dental treatment | |
Screenings for early detection of disorders of the teeth, mouth and jaw Dental treatement including inlays Reimbursement for the following benefits up to € 5,000 : $ 6,500 : £ 4,200 per insured person and per insurance year. * Dentures (e.g. prostheses, bridges and crowns) * Up to four implants per jaw and the dentures to be secured to these implants * Treatment relating to analysis and therapy of dental function * Orthodontic treatment * Dental laboratory work and materials * Compilation of a plan of treatment and costs |
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| Emergency medical evacuation & medical repatriation | |
| Full cover | |
| Extended care facility | |
| Not included | |
| Health Screening | |
Screenings for early detection of illnesses, particularly • for early detection of cancer, • for early detection of cardiovascular disease, kidney disorders and diabetes, • to ensure a child’s normal physical and mental development up to € 500 : $ 650 : £ 420 per insured person and per insurance year. |
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| Hormone replacement therapy | |
| Covered, if medically necessary and pre-approved | |
| Infertility investigations | |
| 50% up to a maximum of € 15,000 : $ 19,750 : £ 12,600 per insured couple for the duration of the group contract | |
| Maternity cash benefit | |
| Included, lump sum of € 500 : $ 650 : £ 420 per newborn baby as an out-patient childbirth without proof of costs on presentation of the birth certificate | |
| Overseas cover | |
| Not included | |
| Personal & total disability benefit | |
| Not included | |
| Policy excess | |
The following deductibles can be agreed, but apply exclusively for outpatient expenses: • Plan level Classic: fixed deductible of € 250/ $ 325/ £ 210 • Plan levels Plus and Top: with or without optional deductible of: € 250 : $ 325 : £ 210, € 500 : $ 650 : £ 420 or € 1,000 : $ 1,300 : £ 840 |
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| Pre-existing conditions | |
| Not included | |
| Pregnancy complications | |
| Medical treatment during pregnancy and childbirth, services of a midwife or obstetric nurse in the hospital, but excluding screenings during pregnancy, full cover | |
| Presciption drugs, dressings and medicines | |
| Full cover | |
| Rehabilitation | |
| Full cover up to of 21 days following in-patient treatment per insured person and per insurance year | |
| Routine maternity cover | |
| Pregnancy including preventive screenings and childbirth, midwife and obstetric nurseI, full cover | |
| Sight / vision benefit | |
| Full cover for vision aids, up to € 200 : $ 260 : £ 168 per day per insured person and per insurance year. | |
| Stabilisation of acute chronic episode | |
| Full cover | |
| Other benefits | |
Other Benefits Full cover for services of a speech therapist, provided that we have agreed in writing to pay benefits before treatment commences Full cover for procurement and shipment of vital medication Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness) Support and information by our medical service (second opinion, monitoring of the course of the illness) Information on medical infrastructure (local medical care and names and addresses of multilingual doctors) Full cover for Therapeutic aids and appliances |
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| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |