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Private health insurance in Germany (PKV) in Germany: every tariff, every wording
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Key points side by side
Open a tariff for all 68 points and the full text.
- covered
- limited or only with an add-on
- no
- not addressed
| Provider and tariff | Annual deductible | Single room | Chief physician | Dentures | Psychotherapy | Premium refund |
|---|---|---|---|---|---|---|
| AllianzAktiMedTake out | EUR 500 | no | not addressed | yes | yes | not addressed |
| ARAGKrankheitskostenvollversicherung BeihilfebestTake out | not addressed | not addressed | no | yes | yes | not addressed |
| ARAGMedBest MB0Take out | none | yes | yes | yes | yes | not addressed |
| ARAGMedBest MB1200Take out | EUR 1,200 | yes | yes | yes | yes | not addressed |
| ARAGMedBest MB1500Take out | EUR 1,500 | yes | yes | yes | yes | not addressed |
| ARAGMedBest MB300Take out | EUR 300 | yes | yes | yes | yes | not addressed |
| ARAGMedBest MB600Take out | EUR 600 | yes | yes | yes | yes | not addressed |
| ARAGMedBest MB900Take out | EUR 900 | yes | yes | yes | yes | not addressed |
| ARAGMedExtra ME0Take out | none | yes | yes | yes | yes | not addressed |
| ARAGMedExtra ME1200Take out | EUR 1,200 | yes | yes | yes | yes | not addressed |
| ARAGMedExtra ME1500Take out | EUR 1,500 | yes | yes | yes | yes | not addressed |
| ARAGMedExtra ME300Take out | EUR 300 | yes | yes | yes | yes | not addressed |
| ARAGMedExtra ME600Take out | EUR 600 | yes | yes | yes | yes | not addressed |
| ARAGMedExtra ME900Take out | EUR 900 | yes | yes | yes | yes | not addressed |
| AXAActiveMe-UTake out | EUR 500 | yes | yes | no | yes | yes |
| BarmeniaGothaerBarmenia einsA expert Leistungsstufe 1Take out | EUR 330 | yes | yes | yes | yes | yes |
| BarmeniaGothaerBarmenia einsA expert Leistungsstufe 2Take out | EUR 660 | yes | yes | yes | yes | yes |
| BarmeniaGothaerBarmenia einsA expert Leistungsstufe 3Take out | EUR 1,320 | yes | yes | yes | yes | yes |
| BarmeniaGothaerBarmenia einsA prima Leistungsstufe 1Take out | EUR 330 | yes | yes | yes | yes | yes |
| BarmeniaGothaerBarmenia einsA prima Leistungsstufe 2Take out | EUR 660 | yes | yes | yes | yes | yes |
| BarmeniaGothaerBarmenia einsA prima Leistungsstufe 3Take out | EUR 1,320 | yes | yes | yes | yes | yes |
| DKVBestMed EcoTake out | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked |
| DKVBestMed KomfortTake out | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked |
| DKVBestMed Komfort Bestmed Eco Bme 1Take out | EUR 680 | no | no | yes | yes | yes |
| DKVBestMed Komfort Bestmed Eco Bme 2Take out | EUR 1,200 | no | no | yes | yes | yes |
| DKVBestMed Komfort Bestmed Komfort Bmk 0Take out | none | yes | yes | yes | yes | yes |
| DKVBestMed Komfort Bestmed Komfort Bmk 1Take out | EUR 420 | yes | yes | yes | yes | yes |
| DKVBestMed Komfort Bestmed Komfort Bmk 2Take out | EUR 1,000 | yes | yes | yes | yes | yes |
| DKVBestMed Komfort Bestmed Komfort Bmk 3Take out | EUR 2,100 | yes | yes | yes | yes | yes |
| DKVBestMed Tarife BM1 bis BM5Take out | not addressed | not addressed | not addressed | not addressed | not addressed | yes |
| GothaerMediVita Medivita 250Take out | EUR 250 | no | no | no | yes | yes |
| GothaerMediVita Medivita 500Take out | EUR 500 | no | no | no | yes | yes |
| HallescheNK.select L Nk Select L 1200Take out | EUR 1,200 | no | yes | yes | yes | not addressed |
| HallescheNK.select L Nk Select L 3000Take out | EUR 3,000 | no | yes | yes | yes | not addressed |
| HallescheNK.select L Nk Select L 600Take out | EUR 600 | no | yes | yes | yes | not addressed |
| HallescheNK.select L Nk Select L BonusTake out | EUR 1,200 | no | yes | yes | yes | not addressed |
| HallescheNK.select L Nk Select S 1200Take out | EUR 1,200 | no | no | yes | yes | not addressed |
| HallescheNK.select L Nk Select S 3000Take out | EUR 3,000 | no | no | yes | yes | not addressed |
| HallescheNK.select L Nk Select S 600Take out | EUR 600 | no | no | yes | yes | not addressed |
| HallescheNK.select L Nk Select S BonusTake out | EUR 1,200 | no | no | yes | yes | not addressed |
| HanseMerkurBeihilfeversicherungTake out | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked |
| HanseMerkurBeihilfeversicherung Beihilfe Azb Psb WTake out | not addressed | yes | yes | yes | yes | yes |
| HanseMerkurBeihilfeversicherung Beihilfe Azs Psb WTake out | not addressed | yes | yes | yes | yes | not addressed |
| HUK-COBURGTarif E E1Take out | EUR 300 | no | no | yes | yes | yes |
| HUK-COBURGTarif E E1sTake out | EUR 300 | no | no | yes | yes | yes |
| HUK-COBURGTarif E E3Take out | EUR 1,500 | no | no | yes | yes | yes |
| MÜNCHENER VEREINKrankheitskostenvollversicherung Premium Sb 0Take out | none | yes | yes | yes | yes | yes |
| MÜNCHENER VEREINKrankheitskostenvollversicherung Premium Sb 1000Take out | EUR 1,000 | yes | yes | yes | yes | yes |
| MÜNCHENER VEREINKrankheitskostenvollversicherung Premium Sb 500Take out | EUR 500 | yes | yes | yes | yes | yes |
| NÜRNBERGERBeihilfetarif ABTake out | not addressed | not addressed | not addressed | not addressed | not addressed | not addressed |
| NÜRNBERGERBeihilfetarife in AusbildungTake out | not addressed | yes | yes | yes | not addressed | not addressed |
| ottonovaBusiness Class ProTake out | not addressed | not addressed | not addressed | not addressed | not addressed | yes |
| ottonovaFirst Class Pro+Take out | not addressed | not addressed | not addressed | not addressed | not addressed | yes |
| ottonovaStudy SmartTake out | not addressed | not addressed | not addressed | not addressed | 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 68 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.
- ALTE OLDENBURGER
- Continentale
- Debeka
- INTER
- LKH
- LVM
- R+V
- SIGNAL IDUNA
- Union Krankenversicherung
- uniVersa
- Versicherungskammer Bayern
- LIGA Krankenversicherung
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