Insurance broker / Company health insurance in Germany (bKV) / Policy wording archive
Continentale arbeitgeberfinanzierte Save U: the policy wording in full
Stationärer Unfalltarif Save U: nach einem Unfall Ein- oder Zweibettzimmer, privatärztliche Behandlung, ambulante Operationen und Leistungspauschale, Ersatz-Krankenhaustagegeld von 50 Euro, mit Ausschlüssen für bestimmte Unfälle (Stand 01.11.2025).
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 Continentale arbeitgeberfinanzierte Save U.
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 | no | „Erstattet werden die auf einen nach Versicherungsbeginn eingetretenen Unfall …“ | Teil II B, page 23 |
| 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 23 |
| 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 | 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 | no | „Aufwendungen für stationäre psychotherapeutische und stationäre psychiatrische …“ | Teil II B IV, page 24 |
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 | yes | „die gesondert berechnete Unterkunft im Ein- oder Zwei-Bett-Zimmer“ | Teil II B I, page 23 |
| Two bed room | yes | „die gesondert berechnete Unterkunft im Ein- oder Zwei-Bett-Zimmer“ | Teil II B I, page 23 |
| Senior consultant or chosen doctor in hospital | yes | „Erstattet werden die Kosten für gesondert berechnete ärzt- liche Leistungen …“ | Teil II B III 2., page 23 |
| Daily hospital cash | yes, up to EUR 50 | „Gezahlt wird ein Krankenhaustagegeld von 50,“ | Teil II B II, page 23 |
| Substitute cash if elective services are waived | yes, up to EUR 50 | „privatärztliche Behandlung nach Nr. 2 nicht in Anspruch, wird ein …“ | Teil II B III 9., page 24 |
| Free choice of hospital including private clinics | yes | „Erstattet werden GKV-Versicherten die Mehrkosten für Krankenhausleistungen nach § 39 …“ | Teil II B III 5., page 24 |
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 | 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 | not addressed | ||
| Deductible | not addressed | ||
| Statutory health insurance must pay first | yes | „Die Leistungen des Versicherers nach diesem Tarif werden nur in Ergänzung zu …“ | Teil II B, page 23 |
| 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.
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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
- 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 Save U and available as plain text.
Volltext Continentale arbeitgeberfinanzierte Save U · As text (Markdown) Continentale arbeitgeberfinanzierte Save U