Insurance broker / Company health insurance in Germany (bKV) / Policy wording archive
Allianz MeinGesundheitsBudget , Gruppenversicherung: the policy wording in full
Budgettarif der Gruppenversicherung mit fünf wählbaren Jahresbudgets von 300 bis 1.500 Euro für Zahnleistungen, Sehhilfen und Augenlasern, Naturheilverfahren, Heil-, Hilfs- und Arzneimittel ohne Wartezeiten (Fassung Januar 2022).
German market: tariffs for people living in Germany.
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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.
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 8 |
| 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 8 |
| Enrolment without health questions | not addressed | ||
| Ongoing treatment and pre-existing conditions covered | yes | „Wir leisten auch für Versicherungsfälle, die vor Beginn des Versicherungsschutzes …“ | 1.14.1, page 8 |
| Waiting periods | none | „Der Versicherungsschutz beginnt ohne Wartezeiten zum vereinbarten Zeitpunkt“ | 1.14.1, page 8 |
| 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 10 |
| Continuation without new health questions or waiting period | yes | „Die bisherige ununterbrochene Versicherungszeit rechnen wir auf die Wartezeiten in der …“ | 7.3.2, page 10 |
| 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 9 |
Health budget
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Annual budget per insured person | yes, up to EUR 1,500 | „Wir erstatten sämtliche versicherte Leistungen bis zu einem Gesamtbetrag von“ | 1.1, page 2 |
| Selectable budget levels | yes | „300 Euro in Budgetstufe 1 (betriebliche KV MeinGesundheitsBudget 300, kurz: FB300) 600 …“ | 1.1, page 2 |
| Budget usable freely across all benefit areas of the catalogue | yes | „Wir erstatten sämtliche versicherte Leistungen bis zu einem Gesamtbetrag von“ | 1.1, page 2 |
| Sub-limits inside the budget (e.g. glasses at most half) | yes | „Die genannten Beträge gelten jeweils pro Versicherungsjahr, werden auf Ihr Jahresbudget …“ | 1.9.2, page 6 |
| 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 | yes, up to EUR 260 | „Wir erstatten die Kosten für Sehhilfen.“ | 1.10, page 6 |
| Laser eye surgery (LASIK and similar) | yes | „Wir erstatten die Kosten für ambulante operative Sehschärfen-Korrekturen (etwa Lasik …“ | 1.10, page 7 |
| Check-ups beyond the statutory programme, without age limits | not addressed | ||
| Vaccinations including travel vaccines | not addressed | ||
| Non-medical practitioners and naturopathy | yes | „Wir erstatten die Kosten für Behandlungen durch Ärzte und Heilpraktiker. Dies umfasst …“ | 1.3, page 2 |
| Osteopathy | yes | „Dies umfasst beispiels- weise auch die Chirotherapie, Chiropraktik und Osteopathie.“ | 1.3, page 2 |
| Remedies such as physiotherapy, occupational and speech therapy | yes | „Wir erstatten die Kosten für Heilmittel, etwa Physiotherapie (beispielsweise …“ | 1.4, page 3 |
| Medicines and dressings including co-payments | yes | „Wir erstatten die Kosten für Verbandmaterialien und Arzneimittel, sofern sie zur …“ | 1.7, page 4 |
| Medical aids such as insoles and braces | yes | „Wir erstatten die Kosten für den Kauf oder die Miete von Hilfsmitteln (etwa …“ | 1.5, page 3 |
| Hearing aids | yes | „Wir erstatten die Kosten für den Kauf oder die Miete von Hilfsmitteln (etwa …“ | 1.5, page 3 |
| 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 | yes, up to EUR 160 | „die professionelle Zahnreinigung“ | 1.9.2, page 6 |
| Dental treatment (fillings, root canal, periodontal) | yes | „Zahnbehandlung 100 Prozent der Kosten Wir erstatten die Kosten für: allgemeine …“ | 1.9.1, page 4 |
| Dentures (crowns, bridges, prostheses) | yes | „Inlays, Zahnersatz und Implantologie 100 Prozent der Kosten“ | 1.9.1, page 4 |
| Implants | yes | „implantologische Leistungen sowie dazu gehörende chirurgische Leistungen (etwa …“ | 1.9.1, page 5 |
| Orthodontics | yes | „Wir erstatten die Kosten für kieferorthopädische Leistungen wegen eines Unfalls.“ | 1.9.1, page 5 |
| 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 | not addressed | ||
| Substitute cash if elective services are waived | not addressed | ||
| Free choice of hospital including private clinics | not addressed |
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 8 |
| Premium adjustment (trigger and procedure) | yes | „Wenn diese Gegenüberstellung eine Abweichung von mehr als 10 Prozent ergibt, überprüfen …“ | 5.2, page 9 |
| Minimum term of the group contract | yes | „Der Versicherungsnehmer kann frühestens zum Ende des zweiten Versicherungsjahrs …“ | 7.1.2, page 10 |
| Notice period for the company | yes | „Wir müssen die Kündigung spätestens am 30. September des Jahres erhalten, zu dessen …“ | 7.1.2, page 10 |
| Ordinary right of the insurer to terminate | none | „Wir haben kein ordentliches Kündigungsrecht.“ | 7.1, page 10 |
| Reimbursement rate as a percentage of the invoice | yes | „Heilmittel 100 Prozent der Kosten“ | 1.4, page 3 |
| Deductible | not addressed | ||
| Statutory health insurance must pay first | yes | „Wenn Sie Ansprüche gegen einen anderen Kostenträger haben, gehen diese unserer Zahlung …“ | 2.5, page 8 |
| Deadline for submitting invoices | not addressed | ||
| Territorial scope (domestic, Europe, worldwide) | yes | „Wir zahlen für Leistungen in ganz Europa.“ | 1.11, page 7 |
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.
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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
- Allianz Private Krankenversicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen für Tarif betriebliche KV MeinGesundheitsBudget, Gruppenversicherung (B55196100Z0) Edition: (02) 01.22, Januar 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 and available as plain text.
Volltext Allianz MeinGesundheitsBudget , Gruppenversicherung · As text (Markdown) Allianz MeinGesundheitsBudget , Gruppenversicherung