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Sick pay insurance in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 62 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Daily benefit Earliest start Unlimited duration Mental illness Gradual return No ordinary termination
ALTE OLDENBURGER KTO für Selbstständige und Arbeitnehmer Sick payTake out ALTE OLDENBURGER KTO für Selbstständige und Arbeitnehmer Sick pay yes yes yes not addressed not addressed not addressed
ALTE OLDENBURGER KTS für Selbstständige Sick payTake out ALTE OLDENBURGER KTS für Selbstständige Sick pay yes yes yes not addressed yes not addressed
ARAG Versicherung Sick payTake out ARAG Versicherung Sick pay yes yes yes yes yes yes
BarmeniaGothaer Barmenia Kt Sick payTake out BarmeniaGothaer Barmenia Kt Sick pay yes yes yes yes no yes
BarmeniaGothaer Barmenia Ta Sick payTake out BarmeniaGothaer Barmenia Ta Sick pay yes yes yes yes no yes
Continentale Tarif V-U für Zusatzversicherte Sick payTake out Continentale Tarif V-U für Zusatzversicherte Sick pay yes yes yes not addressed not addressed yes
DEVK Kt Sick payTake out DEVK Kt Sick pay not addressed yes yes yes yes yes
DEVK Kt 43n Sick payTake out DEVK Kt 43n Sick pay not addressed yes yes yes yes yes
DKV KombiMed für Angestellte Sick payTake out DKV KombiMed für Angestellte Sick pay yes yes yes yes yes yes
DKV KombiMed für Selbstständige und Freiberufler Sick payTake out DKV KombiMed für Selbstständige und Freiberufler Sick pay yes yes yes yes not addressed no
DKV Krankentagegeldversicherung (Muster- und Tarifbedingungen B 180) Sick payTake out DKV Krankentagegeldversicherung (Muster- und Tarifbedingungen B 180) Sick pay not addressed not addressed not addressed yes yes no
envivas KT-Plus Sick payTake out envivas KT-Plus Sick pay yes, up to EUR 200 yes yes not addressed not addressed no
Generali EKTZ Sick payTake out Generali EKTZ Sick pay yes yes yes not addressed not addressed yes
Gothaer Tarif TG Sick payTake out Gothaer Tarif TG Sick pay yes yes yes not addressed not addressed not addressed
Hallesche Tarif KT Sick payTake out Hallesche Tarif KT Sick pay not addressed yes not addressed yes yes yes
Hallesche Tarif KTAR Sick payTake out Hallesche Tarif KTAR Sick pay yes yes no yes not addressed yes
HanseMerkur Tarif KTS Sick payTake out HanseMerkur Tarif KTS Sick pay yes yes yes not addressed not addressed no
HUK-COBURG KT1 bis KT3 Sick payTake out HUK-COBURG KT1 bis KT3 Sick pay yes, up to EUR 180 yes yes not addressed not addressed not addressed
HUK-COBURG KT6 bis KT52 Sick payTake out HUK-COBURG KT6 bis KT52 Sick pay yes, up to EUR 300 yes yes not addressed not addressed not addressed
LKH für Angestellte Sick payTake out LKH für Angestellte Sick pay not addressed yes not addressed not addressed yes not addressed
LKH Krankentagegeldtarif für Ärzte TA1U bis TA6U Sick payTake out LKH Krankentagegeldtarif für Ärzte TA1U bis TA6U Sick pay not addressed yes yes not addressed not addressed not addressed
MÜNCHENER VEREIN Tarif 380 Sick payTake out MÜNCHENER VEREIN Tarif 380 Sick pay yes yes not addressed yes yes yes
ottonova für Selbstständige Sick payTake out ottonova für Selbstständige Sick pay yes not addressed not addressed not addressed no no
Union Krankenversicherung Krankentagegeld (Sparkassenvertrieb) Sick payTake out Union Krankenversicherung Krankentagegeld (Sparkassenvertrieb) Sick pay yes yes not addressed not addressed not addressed not addressed
uniVersa uni-KT Sick payTake out uniVersa uni-KT Sick pay not addressed yes yes yes yes yes
Württembergische KTZR Sick payTake out Württembergische KTZR Sick pay yes yes no 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 62 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.

  • Allianz
  • AXA
  • Debeka
  • INTER
  • NÜRNBERGER
  • SDK
  • SIGNAL IDUNA
  • Versicherungskammer Bayern

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.

JSON CSV (Excel)

Updated