Insurance broker / Company health insurance in Germany (bKV) / Policy wording archive
DEVK JobMed Klinik: the policy wording in full
Arbeitgeberfinanzierter stationärer Tarif JobMed Klinik mit Zweibettzimmer und privatärztlicher Behandlung nach Vorleistung der Krankenversicherung, Ersatz-Krankenhaustagegeld von 21 Euro bei Verzicht und Krankentransport bis 100 km (Stand 01.04.2026).
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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 DEVK JobMed Klinik.
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 Arbeitgeber der versicherten Person, als Versicherungsnehmer, ist zur Zahlung der …“ | Teil III Nr. 6, page 19 |
| Employee funded version on group terms | no | „Gruppenversicherungstarif der Krankheitskostenversicherung für die stationäre …“ | Teil III, page 18 |
| Spouses, partners and children can be insured | yes | „Die Aufwendungen für die Unterbringung und Verpflegung des gesunden Neugeborenen sind …“ | Teil III Nr. 5.3, page 19 |
| Enrolment without health questions | not addressed | ||
| Ongoing treatment and pre-existing conditions covered | yes | „sind bereits vor Beginn des Versicherungsschutzes eingetretene Versicherungsfälle …“ | Teil III Nr. 3, page 18 |
| Waiting periods | none | „Abweichend von § 3 Teil I AVB/KK bestehen keine Wartezeiten.“ | Teil III Nr. 3, page 18 |
| Both statutory and privately insured persons are eligible | yes | „Erstattungsfähig sind nach vorheriger Leistung der gesetzlichen Krankenversicherung …“ | Teil III Nr. 4, page 18 |
| Maximum age at enrolment | not addressed | ||
| New employees join without health questions (registration deadline) | yes | „besteht Versicherungsschutz mit Beginn des Arbeits- oder Ausbildungsvertrages, sofern …“ | Teil III Nr. 2, page 18 |
| Continuation as individual cover on leaving the company | yes | „hat die versicherte Person das Recht, die Versicherung im Rahmen der Einzelversicherung …“ | Teil III Nr. 1, page 18 |
| Continuation without new health questions or waiting period | yes | „unter Anrechnung der aus dem Vertrag erworbenen Rechte“ | Teil III Nr. 1, page 18 |
| Cover suspended during parental leave, sick pay periods or unpaid leave | yes | „Der Versicherungsschutz der versicherten Person bleibt während der beitragsfreien …“ | Teil III Nr. 7, page 19 |
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 | yes | „Bei einer stationären Psychotherapie beträgt die Höchstleistungsdauer vier Wochen pro …“ | Teil III Nr. 5.1, page 19 |
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 | yes | „Gesondert berechenbare Unterkunft im Zweitbettzimmer“ | Teil III Nr. 4.1 a), page 18 |
| Senior consultant or chosen doctor in hospital | yes | „Privatärztliche Leistungen“ | Teil III Nr. 4.1 b), page 18 |
| Daily hospital cash | not addressed | ||
| Substitute cash if elective services are waived | yes, up to EUR 21 | „Wird die gesondert berechenbare Unterkunft im Zweibettzimmer nicht in Anspruch …“ | Teil III Nr. 5.2, page 19 |
| Free choice of hospital including private clinics | yes | „einschließlich solcher Mehrkosten, die anfallen, weil die versicherte Person ein …“ | Teil III Nr. 4.5, page 18 |
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 | „Der Beitrag ist unabhängig vom Alter und Geschlecht.“ | Teil III Nr. 6, page 19 |
| Premium adjustment (trigger and procedure) | yes | „Ergibt die Gegenüberstellung nach § 8 b Teil I Abs. 1 eine Veränderung von mehr als 10 …“ | § 8 b Teil II, page 11 |
| Minimum term of the group contract | none | „Auf die Vereinbarung einer Vertragsdauer von mindestens zwei Jahren wird verzichtet“ | § 13 Teil II (1), page 12 |
| Notice period for the company | yes | „Der Versicherungsnehmer kann das Versicherungsverhältnis zum Ende eines jeden …“ | § 13 Teil I (1), page 12 |
| Ordinary right of the insurer to terminate | none | „Der Versicherer verzichtet auf das ordentliche Kündigungsrecht auch, wenn nur eine …“ | § 14 Teil II (1), page 12 |
| Reimbursement rate as a percentage of the invoice | yes | „Die nach Vorleistung von GKV, PKV oder anderer Kostenträger verbleibenden …“ | Teil III Nr. 4.5, page 18 |
| Deductible | not addressed | ||
| Statutory health insurance must pay first | yes | „Erstattungsfähig sind nach vorheriger Leistung der gesetzlichen Krankenversicherung …“ | Teil III Nr. 4, page 18 |
| Deadline for submitting invoices | not addressed | ||
| Territorial scope (domestic, Europe, worldwide) | yes | „Der Versicherungsschutz erstreckt sich auf Heilbehandlung in Europa.“ | § 1 Teil I (4), page 6 |
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
- DEVK Krankenversicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Kundeninformation zur Krankheitskostenversicherung (Unisex) für Tarife der betrieblichen Krankenversicherung (AVB/KK Teil I, II und III) Edition: 01.04.2026 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 DEVK JobMed Klinik and available as plain text.
Volltext DEVK JobMed Klinik · As text (Markdown) DEVK JobMed Klinik