Insurance broker / Company health insurance in Germany (bKV) / Policy wording archive
Continentale arbeitgeberfinanzierte Plus: the policy wording in full
Ergänzungstarif Plus zur Tariflinie Choose: 600 Euro je Kalenderjahr für Präventionskurse, Fahrkosten, Haushaltshilfe, ambulante Reha und digitale Gesundheitsanwendungen, dazu 75 Prozent für Zahnbehandlung und Zahnersatz sowie Pflege-Leistungspauschale von 6.000 Euro (Stand 01.11.2025).
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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 Continentale arbeitgeberfinanzierte Plus.
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 | „Versicherungsnehmer ist der Arbeitgeber.“ | Teil I Einleitung, page 3 |
| Employee funded version on group terms | not addressed | ||
| Spouses, partners and children can be insured | not addressed | ||
| Enrolment without health questions | not addressed | ||
| Ongoing treatment and pre-existing conditions covered | yes | „erstreckt sich der Versicherungsschutz auch auf Versicherungsfälle, die vor Beginn des …“ | § 3 (1) RB/BKV 2020, page 3 |
| Waiting periods | none | „Es bestehen keine Wartezeiten nach § 197 Versicherungs- vertragsgesetz“ | § 4 RB/BKV 2020, page 3 |
| Both statutory and privately insured persons are eligible | yes | „Versicherungsfähig nach diesem Tarif sind Personen, die in der deutschen gesetzlichen …“ | Teil II A) Personenkreis, page 16 |
| 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 | „kann die versicherte Person im unmittelbaren Anschluss daran das …“ | § 20 (1) RB/BKV 2020, page 7 |
| Continuation without new health questions or waiting period | not addressed | ||
| Cover suspended during parental leave, sick pay periods or unpaid leave | yes | „Auf Antrag des Versicherungsnehmers erfolgt das Ruhen des Versicherungsverhältnisses …“ | § 15 (1) RB/BKV 2020, page 6 |
Health budget
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Annual budget per insured person | yes, up to EUR 600 | „Je versicherte Person und Kalenderjahr gilt eine vereinbarte Leistungshöhe für die …“ | Teil II B I, page 16 |
| Selectable budget levels | not addressed | ||
| Budget usable freely across all benefit areas of the catalogue | yes | „Je versicherte Person und Kalenderjahr gilt eine vereinbarte Leistungshöhe für die …“ | Teil II B I, page 16 |
| Sub-limits inside the budget (e.g. glasses at most half) | yes | „Die Erstattung ist auf maximal 250,“ | Teil II B I 2., page 16 |
| Pro rata budget when cover starts during the year | none | „Beginnt das Versicherungsverhältnis nicht am 1. Januar oder endet es vor dem 31 …“ | Teil II B I, page 16 |
| Carry over of unused budget to the next year | not addressed | ||
| Budget increase after a claim free year or extra budget | yes | „Die vereinbarte Leistungshöhe nach Abschnitt B I erhöht sich nach der nachfolgenden …“ | Teil II B IV, page 18 |
| 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) | yes | „Erstattet werden die verbleibenden Kosten bis zu 75 % für“ | Teil II B III, page 17 |
| Dentures (crowns, bridges, prostheses) | yes | „Erstattet werden die verbleibenden Kosten bis zu 75 % für“ | Teil II B III, page 17 |
| Implants | yes | „Zahnersatz (unter anderem für Brücken, Kronen, Inlays, Onlays, Stiftzähne und orale …“ | Teil II B III, page 17 |
| 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 | 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 | yes, up to EUR 6,000 | „Gezahlt wird eine Pflege-Leistungspauschale unter den Voraussetzungen nach Nr. 1 und 2 …“ | Teil II B II, page 17 |
| 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) | yes | „Erstattet werden die Kosten für Präventionskurse zur Gesunderhaltung und …“ | Teil II B I 1., page 16 |
Contract, premium and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Uniform premium regardless of age and sex | not addressed | ||
| Premium adjustment (trigger and procedure) | yes | „Ergibt diese Gegenüberstellung eine Abweichung von mehr als 10 %“ | § 10b (1) RB/BKV 2020, page 5 |
| Minimum term of the group contract | yes | „Der Kollektivversicherungsvertrag wird zunächst für die Dauer von einem …“ | § 16 RB/BKV 2020, page 6 |
| Notice period for the company | yes | „sofern er nicht durch den Versicherungsnehmer oder den Versicherer mit einer Frist von …“ | § 16 RB/BKV 2020, page 6 |
| Ordinary right of the insurer to terminate | yes | „Zur ordentlichen Kündigung des Kollektivversicherungsvertrages ist der Versicherer nach …“ | § 17 (2) RB/BKV 2020, page 6 |
| Reimbursement rate as a percentage of the invoice | yes | „Erstattet werden die verbleibenden Kosten bis zu 75 % für“ | Teil II B III, page 17 |
| Deductible | not addressed | ||
| Statutory health insurance must pay first | yes | „sind neben den Leistungen der GKV sowie der PKV auch die Leistungen aus weiteren …“ | Teil II B III, page 17 |
| Deadline for submitting invoices | not addressed | ||
| Territorial scope (domestic, Europe, worldwide) | yes | „Der Versicherungsschutz erstreckt sich auf Heilbehandlung in Europa.“ | § 1 (5) RB/BKV 2020, page 3 |
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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Continentale Krankenversicherung a.G.
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen für die arbeitgeberfinanzierte betriebliche Krankenversicherung (Teil I, Tarife mit Tarifbedingungen, Besondere Bedingungen) Edition: 01.11.2025 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 Continentale arbeitgeberfinanzierte Plus and available as plain text.
Volltext Continentale arbeitgeberfinanzierte Plus · As text (Markdown) Continentale arbeitgeberfinanzierte Plus