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 | |
| Included for oncological drugs and treatment up to € 50,000 : $ 65,000 : £ 42,000 | |
| Organ transplant | |
| Not included | |
| Outside area of cover limit for USA / Canada | |
| Geographical Area II: 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 | |
| Included, such as cardiac pacemakers, if needed as a life-saving measure | |
| Psychiatric treatment | |
| Full cover provided that DKV have agreed in writing to pay benefits before treatment commences | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Not included | |
| 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 | |
| Not included | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| Not included | |
| Nursing at home | |
| Not included | |
| Parental accommodation | |
| Not included | |
| 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 | |
| Full cover | |
| 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 | |
| up to the age of 25. | |
| Chinese medicine | |
| Not included | |
| Chiropractors & Osteopaths | |
| Not included | |
| Chronic conditions & palliative care | |
| Full cover | |
| Compassionate home visit | |
| Not included | |
| 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 € 2,500: $ 3,250 : £ 2,100 | |
| Dental treatment | |
Pain relieve treatment included Reimbursement of 50 % for the following benefits if needed as a result of an accident * Dentures (e.g. prostheses, bridges and crowns) * Up to four implants per jaw and the dentures to be secured to these implants * 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 | |
| Not included | |
| Hormone replacement therapy | |
| Covered, if medically necessary and pre-approved | |
| Infertility investigations | |
| Not included | |
| Maternity cash benefit | |
| Not included | |
| Organ Transplants | |
| Not included | |
| Overseas cover | |
| Up to 6 weeks | |
| 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 |
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| Pre-existing conditions | |
| Pre-existing conditions can be covered with MHD underwriting with a minimum of 10 principle insured members. | |
| Pregnancy complications | |
| Not included | |
| Presciption drugs, dressings and medicines | |
| Not included | |
| Rehabilitation | |
| Not included | |
| Routine maternity cover | |
| Not included | |
| Sight / vision benefit | |
| Not included | |
| Stabilisation of acute chronic episode | |
| Full cover | |
| Well Baby Examination | |
| Full cover | |
| Other benefits | |
Other Benefits 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) |
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| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |