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Gothaer BarmeniaGothaer Beihilfetarif Genau-Für-Sie 2-Bett: the policy wording in full
Beihilfetarif der Barmenia Krankenversicherung AG (BarmeniaGothaer) für Zweibettzimmer und privatärztliche Behandlung im Krankenhaus in den Leistungsstufen 10 bis 55 und 100 Prozent, nur zusammen mit dem Tarif Genau-Für-Sie Krankenversicherung, ohne Wartezeiten.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Gothaer BarmeniaGothaer
Beihilfetarif Genau-Für-Sie 2-Bett.
Basics and link to the state allowance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Eligible persons (civil servants, judges, pensioners, dependants, trainees) | yes | „können Personen versichert werden, die Anspruch auf Beihilfe haben. Das gilt auch für …“ | A. Vorbemerkung, page 2 |
| Reimbursement levels matching the allowance rate (for example 20, 30, 50 per cent) | yes | „Genau-Für-Sie 2-Bett 10 G2B10 10 % Genau-Für-Sie 2-Bett 15 G2B15 15 % Genau-Für-Sie …“ | Übersicht 1, page 2 |
| Total reimbursement from allowance and insurance capped at 100 per cent of costs | yes | „Der Versicherungsschutz kann nur soweit erhöht werden, dass er die Verminderung des …“ | B. 2 b), page 4 |
| Adjustment to a changed allowance rate or loss of the allowance without new health check (deadline) | yes | „Wir werden einen solchen Antrag ohne erneute Gesundheitsprüfung annehmen, wenn die …“ | B. 2 b), page 4 |
| Change of reimbursement level on retirement (for example from 50 to 30 per cent) | yes | „Nach den Leistungsstufen G2B30 und G2B20P beträgt der Leistungs-Prozentsatz bis zum …“ | A. Vorbemerkung, page 2 |
| Valid for the allowance rules of the federation and all federal states | not addressed | ||
| Tariff or dormant cover for recipients of free medical care (police, fire service, armed forces) | not addressed | ||
| Admission under the industry opening scheme (no exclusion, surcharge at most 30 per cent) | not addressed | ||
| Free choice of doctors, dentists and hospitals | not addressed | ||
| Reimbursement above the maximum rate of the fee schedule | yes | „Wir erstatten die Gebühren für ärztliche und zahnärztliche Leistungen im tariflichen …“ | B. Hinweis, page 3 |
Outpatient benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment at the tariff percentage | not addressed | ||
| Medicines and dressings (including non-prescription) | not addressed | ||
| Naturopaths and natural therapies (annual maximum) | not addressed | ||
| Therapies (physiotherapy, occupational therapy, speech therapy) | not addressed | ||
| Therapies only up to the amounts eligible for the allowance | not addressed | ||
| Medical aids with an open catalogue | not addressed | ||
| Glasses and contact lenses (amount and period) | not addressed | ||
| Hearing aids (amount per ear and period) | not addressed | ||
| Outpatient psychotherapy (rate, approval) | not addressed | ||
| Psychotherapy limited to a number of sessions | not addressed | ||
| Check ups and vaccinations (also beyond statutory programmes) | not addressed | ||
| Home nursing and palliative care | not addressed | ||
| Travel and transport costs (ambulance, journeys to outpatient treatment) | not addressed | ||
| Fertility treatment (conditions, number of attempts) | not addressed |
Inpatient benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General hospital services (shared room, ward doctor) | not addressed | ||
| Two bed room as optional service | yes | „Versichert sind die Kosten für gesondert berechnete Unterkunft und Verpflegung im …“ | B. 1 a), page 3 |
| Single room as optional service | not addressed | ||
| Treatment by senior consultant of choice | yes | „Versichert sind die Kosten für gesondert berechnete ärztliche Leistungen bei …“ | B. 1 c), page 4 |
| Optional hospital services at 100 per cent where the employer does not grant an allowance for them | yes | „Sie haben die Leistungsstufe G2B100 vereinbart? Ihr Leistungs-Prozentsatz ist 100 %.“ | B. Was ist versichert, page 3 |
| Treatment in private clinics without public contract | not addressed | ||
| Hospital daily allowance or substitute allowance when optional services are not used | yes, up to the sum insured | „Unabhängig vom vereinbarten Leistungs-Prozentsatz erhalten Sie 15 EUR für jeden Tag …“ | B. 1 b), page 3 |
| Follow up treatment and inpatient rehabilitation | yes, up to the sum insured | „Bei stationären Rehabilitationsmaßnahmen bzw. Anschlussheilbehandlungen leisten wir im …“ | D. 3, page 5 |
| Spa and sanatorium treatment (subsidy, interval between two stays) | not addressed | ||
| Inpatient psychotherapy and psychiatry (days, prior approval) | yes, up to the sum insured | „bei einer stationären Heilbehandlung (einschließlich stationärer Psychotherapie) …“ | B. 1, page 3 |
Dental
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dental treatment and prophylaxis | not addressed | ||
| Dentures (crowns, bridges, prostheses) | not addressed | ||
| Implants (number per jaw, link to cases eligible for the allowance) | not addressed | ||
| Material and laboratory costs at the tariff percentage | not addressed | ||
| Orthodontics (children, adults) | not addressed | ||
| Caps on dentures in the first policy years | not addressed |
Supplement and allowance gaps
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Supplementary tariff for costs the allowance does not or only partly recognise | yes | „Die nach Ziffer 1 a) und c) verbleibenden Kosten werden nach Vorleistung der Beihilfe …“ | B. 1 f), page 4 |
| Supplement pays only after a decision of the allowance office | yes | „Die nach Ziffer 1 a) und c) verbleibenden Kosten werden nach Vorleistung der Beihilfe …“ | B. 1 f), page 4 |
| Compensation of the cost dampening lump sum or the allowance retention | yes, up to the sum insured | „Unabhängig vom vereinbarten Leistungs-Prozentsatz sind in diesem Zusammenhang auch …“ | B. 1 a), page 3 |
| Reimbursement of fees above the rate eligible for the allowance | yes, up to the sum insured | „Die nach Ziffer 1 a) und c) verbleibenden Kosten werden nach Vorleistung der Beihilfe …“ | B. 1 f), page 4 |
| Extra costs abroad above the domestic allowance rates | yes, up to the sum insured | „Bei Behandlungen im Ausland erstatten wir die Gebühren im tariflichen Umfang auch über …“ | B. Hinweis, page 3 |
| Cover abroad for temporary stays (duration, worldwide or Europe) | yes | „Bei einem Auslandsaufenthalt im außereuropäischen Ausland besteht zeitlich unbegrenzter …“ | D. 2, page 5 |
| Repatriation from abroad | not addressed |
Trainees, admission and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Trainee tariff with reduced premium (without or with low ageing reserves) | not addressed | ||
| Maximum age or duration for the trainee tariff | not addressed | ||
| Conversion to the regular tariff after training without new health check | not addressed | ||
| General waiting period | none | „Sie haben Versicherungsschutz ohne Wartezeiten ab dem vertraglich vereinbarten Zeitpunkt.“ | D. 1, page 5 |
| Special waiting periods (childbirth, psychotherapy, dentures, orthodontics) | none | „Sie haben Versicherungsschutz ohne Wartezeiten ab dem vertraglich vereinbarten Zeitpunkt.“ | D. 1, page 5 |
| Waiver of waiting periods (transfer from statutory insurance, appointment as civil servant, medical exam) | yes | „Sie haben Versicherungsschutz ohne Wartezeiten ab dem vertraglich vereinbarten Zeitpunkt.“ | D. 1, page 5 |
| Cover for newborns without health check and waiting period | not addressed | ||
| Exclusion or surcharge for pre existing conditions | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Annual deductible per insured person | not addressed | ||
| Premium refund for claim free years (monthly premiums, guaranteed or performance based) | not addressed | ||
| Check ups and dental prophylaxis without loss of the premium refund | not addressed | ||
| Dormant cover (free medical care, service abroad, leave, parental leave) | not addressed | ||
| Insurer waives ordinary termination | not addressed | ||
| Continuation as full cover at 100 per cent on leaving the civil service | yes | „Sie können dann im Rahmen von Abschnitt B. Ziffer 2 b (Anpassungsrecht) die …“ | D. 6 a), page 6 |
| Premium adjustment rules (triggering factor) | not addressed | ||
| Direct billing with the hospital | not addressed |
Austria and Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Group tariff for public servants for private ward cover alongside the statutory scheme | not addressed | ||
| Reimbursement of the statutory treatment contribution | not addressed | ||
| Insurer under agreement with MUFACE, ISFAS or MUGEJU (term of the agreement) | not addressed | ||
| Provider catalogue (doctors and clinics per province, care levels by municipality size) | not addressed | ||
| Change of insurer or to the public system (ordinary change windows per year) | not addressed | ||
| Treatment outside the catalogue (life threatening emergency, refused service) | not addressed | ||
| Care through the public system in rural municipalities | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Gothaer Krankenversicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Tarif Genau-Für-Sie 2-Bett, Unterkunft im Zweibettzimmer und privatärztliche Behandlung für Personen mit Anspruch auf Beihilfe (Teil III, K 5253) Edition: Stand 01.07.2022 (K 5253 0722) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Gothaer BarmeniaGothaer Beihilfetarif Genau-Für-Sie 2-Bett
and available as plain text.
Volltext Gothaer BarmeniaGothaer Beihilfetarif Genau-Für-Sie 2-Bett Beihilfeversicherung · As text (Markdown) Gothaer BarmeniaGothaer Beihilfetarif Genau-Für-Sie 2-Bett Beihilfe cover