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Allianz MeinGesundheitsBudget , Gruppenversicherung Krankenhaustagegeld Fkht01: the policy wording in full
Krankenhaustagegeld als Baustein der Gruppenversicherung: vereinbarter Tagessatz für jeden Tag vollstationärer Behandlung oder Entbindung ohne zeitliche Begrenzung, freie Krankenhauswahl (Fassung April 2022).
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Allianz MeinGesundheitsBudget , Gruppenversicherung Krankenhaustagegeld Fkht01.
Group contract and enrolment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum number of insured employees for the group contract | not addressed | ||
| Employer funded version (the company pays the premium) | yes | „Der Versicherungsnehmer muss einen Monatsbeitrag zahlen. Dieser steht im aktuellen …“ | 5.1.1, page 4 |
| Employee funded version on group terms | not addressed | ||
| Spouses, partners and children can be insured | yes | „Wir versichern Neugeborene ohne Risikozuschläge, Leistungsausschlüsse und Wartezeiten …“ | 6.2.1, page 5 |
| Enrolment without health questions | not addressed | ||
| Ongoing treatment and pre-existing conditions covered | yes | „Halten Sie sich bei Versiche- rungsbeginn bereits im Krankenhaus auf, zahlen wir für …“ | 1.6.1, page 4 |
| Waiting periods | none | „Der Versicherungsschutz beginnt ohne Wartezeiten zum vereinbarten Zeitpunkt“ | 1.6.1, page 3 |
| Both statutory and privately insured persons are eligible | not addressed | ||
| Maximum age at enrolment | not addressed | ||
| New employees join without health questions (registration deadline) | not addressed | ||
| Continuation as individual cover on leaving the company | yes | „Dies müssen Sie uns innerhalb von 2 Monaten nach dem Ende der Versicherung mitteilen.“ | 7.3.2, page 6 |
| Continuation without new health questions or waiting period | yes | „Die bisherige ununterbrochene Versicherungszeit rechnen wir auf die Wartezeiten in der …“ | 7.3.2, page 6 |
| Cover suspended during parental leave, sick pay periods or unpaid leave | yes | „Der Versicherungsnehmer kann Ihre Versicherung ruhend stellen. Das bedeutet: Für die …“ | 6.1.1, page 4 |
Health budget
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Annual budget per insured person | not addressed | ||
| Selectable budget levels | not addressed | ||
| Budget usable freely across all benefit areas of the catalogue | not addressed | ||
| Sub-limits inside the budget (e.g. glasses at most half) | not addressed | ||
| Pro rata budget when cover starts during the year | not addressed | ||
| Carry over of unused budget to the next year | not addressed | ||
| Budget increase after a claim free year or extra budget | not addressed | ||
| Additional benefit beyond the budget in severe cases (e.g. hospital, serious illness) | not addressed |
Outpatient benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Glasses and contact lenses | not addressed | ||
| Laser eye surgery (LASIK and similar) | not addressed | ||
| Check-ups beyond the statutory programme, without age limits | not addressed | ||
| Vaccinations including travel vaccines | not addressed | ||
| Non-medical practitioners and naturopathy | not addressed | ||
| Osteopathy | not addressed | ||
| Remedies such as physiotherapy, occupational and speech therapy | not addressed | ||
| Medicines and dressings including co-payments | not addressed | ||
| Medical aids such as insoles and braces | not addressed | ||
| Hearing aids | not addressed | ||
| Private doctor treatment and fees above statutory rates | not addressed | ||
| Specialist appointment service | not addressed | ||
| Telemedicine and video consultation | not addressed | ||
| Outpatient psychotherapy or psychological counselling | not addressed |
Dental
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Professional dental cleaning | not addressed | ||
| Dental treatment (fillings, root canal, periodontal) | not addressed | ||
| Dentures (crowns, bridges, prostheses) | not addressed | ||
| Implants | not addressed | ||
| Orthodontics | not addressed | ||
| Graded dental limits in the first years | not addressed |
Hospital
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Single room | not addressed | ||
| Two bed room | not addressed | ||
| Senior consultant or chosen doctor in hospital | not addressed | ||
| Daily hospital cash | yes | „Ihr Krankenhaustagegeld richtet sich nach dem vereinbarten Tagessatz.“ | 1.2, page 2 |
| Substitute cash if elective services are waived | not addressed | ||
| Free choice of hospital including private clinics | yes | „Sie haben die freie Wahl unter allen Krankenhäusern.“ | 1.1, page 2 |
Further modules and services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Daily sickness allowance | not addressed | ||
| Long term care module | not addressed | ||
| Travel health insurance abroad | not addressed | ||
| Benefit on diagnosis of serious illness | not addressed | ||
| Medical second opinion | not addressed | ||
| Health services for the company (prevention, employee counselling, app) | not addressed |
Contract, premium and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Uniform premium regardless of age and sex | yes | „Wir berechnen ihn geschlechtsunabhängig nach den Grundsätzen, die in unseren …“ | 5.1.1, page 4 |
| Premium adjustment (trigger and procedure) | yes | „Wir haben das Recht, den Beitrag während der Vertragslaufzeit anzupassen.“ | 5.2, page 4 |
| Minimum term of the group contract | yes | „Der Versicherungsnehmer kann frühestens zum Ende des zweiten Versicherungsjahrs …“ | 7.1.2, page 5 |
| Notice period for the company | yes | „Wir müssen die Kündigung spätestens am 30. September des Jahres erhalten, zu dessen …“ | 7.1.2, page 5 |
| Ordinary right of the insurer to terminate | none | „Wir haben kein ordentliches Kündigungsrecht.“ | 7.1, page 5 |
| Reimbursement rate as a percentage of the invoice | not addressed | ||
| Deductible | not addressed | ||
| Statutory health insurance must pay first | not addressed | ||
| Deadline for submitting invoices | not addressed | ||
| Territorial scope (domestic, Europe, worldwide) | yes | „Wir zahlen für Leistungen in ganz Europa.“ | 1.3, page 2 |
Austria and Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Designed for the tax free provision up to 300 euros a year (Austria) | not addressed | ||
| Own provider network (benefits only from network doctors) | not addressed | ||
| Reimbursement option (free choice with refund) | not addressed | ||
| Co-payment per visit or service | not addressed | ||
| Taken out through flexible remuneration (tax free up to 500 euros per person) | 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.
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Policy wordings and provider
- Legal entity
- Allianz Private Krankenversicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen betriebliche KV, Gruppenversicherung (B55196700Z0, Baustein am Text zuordnen) Edition: (01) 04.22, April 2022 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 Allianz MeinGesundheitsBudget , Gruppenversicherung Krankenhaustagegeld Fkht01 and available as plain text.
Volltext Allianz MeinGesundheitsBudget , Gruppenversicherung Krankenhaustagegeld Fkht01 · As text (Markdown) Allianz MeinGesundheitsBudget , Gruppenversicherung Krankenhaustagegeld Fkht01