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Hospital cash insurance in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 61 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Daily rate From day 1 Day limit Waiting period Recovery benefit Pre-existing
Allianz Krankenhaustagegeld KHT02 Hospital cashTake out Allianz Krankenhaustagegeld KHT02 Hospital cash yes yes none yes not addressed yes
ALTE OLDENBURGER Krankenhaustagegeld KHT Hospital cashTake out ALTE OLDENBURGER Krankenhaustagegeld KHT Hospital cash yes yes not addressed not addressed not addressed not addressed
ARAG Krankenhaustagegeld Tarif 11 Hospital cashTake out ARAG Krankenhaustagegeld Tarif 11 Hospital cash yes yes yes yes not addressed not addressed
AXA Krankenhaustagegeld Hospital cashTake out AXA Krankenhaustagegeld Hospital cash not addressed not addressed not addressed none not addressed not addressed
BarmeniaGothaer Barmenia Tarif VS 1 und VS 2 Vs 1 Hospital cashTake out BarmeniaGothaer Barmenia Tarif VS 1 und VS 2 Vs 1 Hospital cash yes, up to EUR 26 not addressed not addressed not addressed not addressed none
BarmeniaGothaer Barmenia Tarif VS 1 und VS 2 Vs 2 Hospital cashTake out BarmeniaGothaer Barmenia Tarif VS 1 und VS 2 Vs 2 Hospital cash yes, up to EUR 16 not addressed not addressed not addressed not addressed none
Concordia Krankenhaustagegeld KHT Hospital cashTake out Concordia Krankenhaustagegeld KHT Hospital cash yes yes yes not addressed not addressed not addressed
DEVK Krankenhaustagegeld KHS Hospital cashTake out DEVK Krankenhaustagegeld KHS Hospital cash yes yes yes yes not addressed not addressed
DEVK Krankenhaustagegeld KHS E Hospital cashTake out DEVK Krankenhaustagegeld KHS E Hospital cash yes yes not addressed yes not addressed yes
DKV KombiMed Krankenhaustagegeld KKHT Hospital cashTake out DKV KombiMed Krankenhaustagegeld KKHT Hospital cash yes yes none yes not addressed yes
DKV Krankenhaustagegeld KHT Hospital cashTake out DKV Krankenhaustagegeld KHT Hospital cash not addressed not addressed not addressed yes not addressed not addressed
envivas Krankenhaustagegeld KHT-Plus Hospital cashTake out envivas Krankenhaustagegeld KHT-Plus Hospital cash yes yes not addressed yes not addressed not addressed
Generali Krankenhaustagegeld EKHT Hospital cashTake out Generali Krankenhaustagegeld EKHT Hospital cash yes yes none yes not addressed yes
Hallesche Krankenhaustagegeld Tarif KH Hospital cashTake out Hallesche Krankenhaustagegeld Tarif KH Hospital cash yes yes not addressed not addressed not addressed not addressed
HanseMerkur Krankenhaustagegeld UKHT Hospital cashTake out HanseMerkur Krankenhaustagegeld UKHT Hospital cash yes not addressed not addressed none not addressed yes
HUK-COBURG Krankenhaustagegeld Tarif KHT Hospital cashTake out HUK-COBURG Krankenhaustagegeld Tarif KHT Hospital cash yes, up to EUR 100 not addressed none yes not addressed not addressed
LKH Krankenhaustagegeld KHTU Hospital cashTake out LKH Krankenhaustagegeld KHTU Hospital cash yes not addressed not addressed not addressed not addressed not addressed
NÜRNBERGER Krankenhaustagegeld KHT Hospital cashTake out NÜRNBERGER Krankenhaustagegeld KHT Hospital cash yes yes none none not addressed yes
ottonova Krankenhaustagegeld KHT Hospital cashTake out ottonova Krankenhaustagegeld KHT Hospital cash yes yes not addressed yes not addressed yes
SIGNAL IDUNA Krankenhaustagegeld EKH Hospital cashTake out SIGNAL IDUNA Krankenhaustagegeld EKH Hospital cash yes yes none yes not addressed not addressed
Union Krankenversicherung Krankenhaustagegeld Hospital cashTake out Union Krankenversicherung Krankenhaustagegeld Hospital cash not addressed not addressed not addressed yes not addressed yes
uniVersa Krankenhaustagegeld uni-KSKT Hospital cashTake out uniVersa Krankenhaustagegeld uni-KSKT Hospital cash yes yes none yes not addressed yes
VRK Krankenhaustagegeld Hospital cashTake out VRK Krankenhaustagegeld Hospital cash not addressed not addressed not addressed yes not addressed yes
Württembergische Krankenhaustagegeld Hospital cashTake out Württembergische Krankenhaustagegeld Hospital cash not addressed not addressed not addressed yes not addressed yes

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 61 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

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  • MÜNCHENER VEREIN
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For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

Updated