Insurance broker / Health insurance for German civil servants / Policy wording archive Civil servant health cover
NÜRNBERGER Beihilfetarif AB: the policy wording in full
Beihilfetarif für ambulante Heilbehandlung in den Stufen AB15 bis AB90, Erstattung bis zu den Höchstsätzen der Gebührenordnung zum Prozentsatz passend zum Beihilfebemessungssatz; nur als Teil einer Krankheitskostenvollversicherung.
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 NÜRNBERGER Beihilfetarif AB.
Basics and link to the state allowance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Eligible persons (civil servants, judges, pensioners, dependants, trainees) | yes | „Aufnahmefähig sind nur Personen mit Anspruch auf Beihilfe.“ | Nr. 1 a), page 1 |
| Reimbursement levels matching the allowance rate (for example 20, 30, 50 per cent) | yes | „AB50 AB51 AB55 AB60 AB65 AB70 AB90“ | Nr. 1, page 1 |
| Total reimbursement from allowance and insurance capped at 100 per cent of costs | yes | „der jeweils vereinbarten Tarifstufe darf dabei zusammen mit dem Beihilfebemessungssatz …“ | Nr. 1 a), page 1 |
| Adjustment to a changed allowance rate or loss of the allowance without new health check (deadline) | yes | „Der entsprechende Antrag muss spätestens sechs Monate nach Änderung des …“ | Nr. 2 b), page 1 |
| Change of reimbursement level on retirement (for example from 50 to 30 per cent) | yes | „Die Versicherung nach Tarifstufe AB51 wird bei Eintritt des Versorgungsfalles in die …“ | Nr. 1 d), page 1 |
| 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 | no | „bis zu den Höchstsätzen der jeweils gültigen Gebührenordnung ersetzt.“ | Nr. 1, page 1 |
Outpatient benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment at the tariff percentage | yes | „Die erstattungsfähigen Aufwendungen für ambulante Heilbehandlung (§ 4 Teil II Abs. 1 …“ | Nr. 1, page 1 |
| 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) | yes, up to EUR 150 | „Aufwendungen für Brillengestelle sind innerhalb von zwei Kalenderjahren bis zu einem …“ | Nr. 1, page 1 |
| 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 | not addressed | ||
| Single room as optional service | not addressed | ||
| Treatment by senior consultant of choice | not addressed | ||
| Optional hospital services at 100 per cent where the employer does not grant an allowance for them | not addressed | ||
| Treatment in private clinics without public contract | not addressed | ||
| Hospital daily allowance or substitute allowance when optional services are not used | not addressed | ||
| Follow up treatment and inpatient rehabilitation | not addressed | ||
| Spa and sanatorium treatment (subsidy, interval between two stays) | not addressed | ||
| Inpatient psychotherapy and psychiatry (days, prior approval) | not addressed |
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 | not addressed | ||
| Supplement pays only after a decision of the allowance office | not addressed | ||
| Compensation of the cost dampening lump sum or the allowance retention | not addressed | ||
| Reimbursement of fees above the rate eligible for the allowance | not addressed | ||
| Extra costs abroad above the domestic allowance rates | not addressed | ||
| Cover abroad for temporary stays (duration, worldwide or Europe) | not addressed | ||
| 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 | not addressed | ||
| Special waiting periods (childbirth, psychotherapy, dentures, orthodontics) | not addressed | ||
| Waiver of waiting periods (transfer from statutory insurance, appointment as civil servant, medical exam) | not addressed | ||
| 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 | „Vermindert sich der Beihilfeanspruch für die versicherte Person oder entfällt er, so …“ | Nr. 2 b), page 1 |
| 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.
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.
Policy wordings and provider
- Legal entity
- NÜRNBERGER Krankenversicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen für die Krankheitskosten Versicherung, Tarif AB für Beihilfeberechtigte (KV331) Edition: KV331_202105 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 NÜRNBERGER Beihilfetarif AB and available as plain text.
Volltext NÜRNBERGER Beihilfetarif AB Beihilfeversicherung · As text (Markdown) NÜRNBERGER Beihilfetarif AB Beihilfe cover