Insurance broker / Critical illness insurance / Policy wording archive Critical illness insurance
InterRisk Krebsversicherung KreVita: the policy wording in full
Eigenständige Krebsversicherung, die die vereinbarte Summe einmal bei invasivem Krebs ab Stadium II zahlt, mit sechs Monaten Wartezeit, 5 Prozent Todesfallleistung und Kinderschutz bis 11.000 Euro.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,047 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with InterRisk.
- AI has advised
- 2Your details
- Application to InterRisk
Thank you, we have your application.
We prepare it with InterRisk and get back to you with the documents.
Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for InterRisk Krebsversicherung
KreVita.
Basics and benefit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (lump sum on diagnosis of a covered critical illness) | as stated in the policy schedule | „Wir zahlen die vereinbarte Versicherungssumme bei Eintritt einer Krebserkrankung …“ | § 1 Nr. 1, page 2 |
| Benefit as an annuity instead of or in addition to the lump sum | not addressed | ||
| Multiple claims: benefit also for a second, different critical illness | no | „Nach Eintritt des ersten Versicherungsfalles wird keine Versicherungsleistung für …“ | § 2 Nr. 4, page 2 |
| Partial benefit for less severe forms or early stages (for example carcinoma in situ, minor procedures) | not addressed | ||
| Survival period: benefit only if the insured person survives a set period after diagnosis | not addressed | ||
| Death benefit (lump sum or premium refund on death without prior claim) | yes, up to the sum insured | „Bei Tod der versicherten Person während der vereinbarten Versicherungsdauer zahlen wir …“ | § 1 Nr. 2, page 2 |
| Benefit for terminal illness with limited life expectancy (for example under 12 months) | not addressed | ||
| Premium waiver on occupational disability or inability to work | not addressed | ||
| Cover for children of the insured person | yes, up to EUR 11,000 | „Für jedes Kind besteht Versicherungsschutz in Höhe von einem Drittel der entsprechenden …“ | § 2 Nr. 5, page 2 |
| Minimum entry age | not addressed | ||
| Maximum entry age | not addressed | ||
| Maximum age at end of cover | not addressed | ||
| Worldwide cover and moving abroad | no | „Die Diagnose der Krebserkrankung im Sinne dieser Bedingungen muss von einem in …“ | § 11 Nr. 3, page 7 |
| Standalone contract (not only as a rider to a life or disability policy) | yes | „Die jeweils versicherte Summe wird bei Diagnose Krebs im Sinne dieser Bedingungen (§ 2) …“ | Vorbemerkung, page 1 |
Cancer, heart and circulation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Number of covered illnesses and procedures in the list | yes | „Krebs im Sinne dieser Bedingungen liegt vor, wenn ein invasiv wachsender Krebs, der …“ | § 2 Nr. 1, page 2 |
| Cancer (malignant tumour, histologically confirmed) | yes, up to the sum insured | „Krebs im Sinne dieser Bedingungen liegt vor, wenn ein invasiv wachsender Krebs, der …“ | § 2 Nr. 1, page 2 |
| Early stage cancer and carcinoma in situ | no | „Bei Krebsvorstufen und Krebsfrühformen wie zum Beispiel das Carcinoma in situ (Cis) …“ | § 2 Nr. 1, page 2 |
| Skin cancer (melanoma from which stage, other skin cancer) | yes, up to the sum insured | „Hautkrebs, der nicht dem schwarzen Hautkrebs (dem malignen Melanom) zugeordnet werden …“ | § 2 Nr. 3, page 2 |
| Prostate cancer in early stages (Gleason, TNM) | yes, up to the sum insured | „solide Tumore im prognostischen Stadium I entsprechend der AJCC/UICC-Klassifikation (8 …“ | § 2 Nr. 3, page 2 |
| Heart attack | not addressed | ||
| Stroke | not addressed | ||
| Transient ischaemic attack (TIA) | not addressed | ||
| Coronary artery bypass surgery | not addressed | ||
| Balloon angioplasty or stent (PTCA) | not addressed | ||
| Heart valve surgery or replacement | not addressed | ||
| Surgery of the aorta | not addressed | ||
| Cardiomyopathy and severe heart failure | not addressed | ||
| Benign brain tumour | no | „Gehirntumore WHO Grad I.“ | § 2 Nr. 3, page 2 |
Nerves, organs and consequences of accidents
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Multiple sclerosis | not addressed | ||
| Parkinson's disease | not addressed | ||
| Alzheimer's and other dementias (with age limit) | not addressed | ||
| Motor neurone disease (for example ALS) | not addressed | ||
| Coma | not addressed | ||
| Paralysis of limbs | not addressed | ||
| Blindness | not addressed | ||
| Deafness | not addressed | ||
| Loss of speech | not addressed | ||
| Loss of limbs | not addressed | ||
| Severe burns | not addressed | ||
| Kidney failure (permanent dialysis) | not addressed | ||
| Transplant of a vital organ or waiting list | not addressed | ||
| Chronic liver or lung failure | not addressed | ||
| Bacterial meningitis and encephalitis with permanent damage | not addressed | ||
| HIV infection through blood transfusion or at work | not addressed | ||
| Further critical illnesses outside the list (open clause) | not addressed |
Diagnosis and claims assessment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Diagnosis by a specialist in the relevant field | yes | „Die Diagnose muss durch entsprechende klinische, radiologische oder histopathologische …“ | § 11 Nr. 3, page 7 |
| Histology report or specific measurements as mandatory proof | yes | „Die Diagnose muss durch Vorlage des histopathologischen Befundes bestätigt werden.“ | § 2 Nr. 1, page 2 |
| Recognition of diagnoses made abroad | no | „Die Diagnose der Krebserkrankung im Sinne dieser Bedingungen muss von einem in …“ | § 11 Nr. 3, page 7 |
| Deadline for reporting the illness with reduced benefit if missed | yes | „Die Erkrankung oder der Tod der versicherten Person ist uns unverzüglich anzuzeigen.“ | § 11 Nr. 2, page 7 |
| Deadline for the insurer's decision on the claim | not addressed | ||
| Period in which the insurer may withdraw for breach of the duty of disclosure | yes | „Die genannten Rechte können wir nur innerhalb von fünf Jahren seit Vertragsabschluss …“ | § 6 Nr. 14, page 5 |
Waiting periods and exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General waiting period from start of cover | yes | „Die Wartezeit beträgt sechs Monate ab dem Abschluss des Versicherungsvertrages.“ | § 1 Nr. 3, page 2 |
| Separate waiting period for cancer | yes | „Die Wartezeit beträgt sechs Monate ab dem Abschluss des Versicherungsvertrages.“ | § 1 Nr. 3, page 2 |
| Exclusion of illnesses with symptoms or diagnosis before the start of the contract | yes | „Sind zu einer Krebserkrankung im Sinne des § 2 bereits Symptome während der Wartezeit …“ | § 2 Nr. 6, page 3 |
| Exclusion of deliberately caused illness and self-harm | not addressed | ||
| Exclusion for alcohol, drug or medication abuse | none | „Wir leisten auch, wenn die Krebserkrankung durch einen Alkohol-, Drogen-, oder …“ | § 2 Nr. 2, page 2 |
| Cover for passive involvement in war (for example when travelling) | yes | „Nach Ablauf des ersten Versicherungsjahres entfällt diese Einschränkung unserer …“ | § 5 Nr. 2, page 4 |
| Exclusion for nuclear, biological or chemical weapons and radiation | yes | „Bei Erkrankung oder Ableben der versicherten Person in unmittelbarem oder mittelbarem …“ | § 5 Nr. 3, page 4 |
| Exclusion of illnesses resulting from HIV or AIDS | not addressed | ||
| Exclusion of dangerous sports or activities | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium guaranteed for the whole term | not addressed | ||
| Insurer waives ordinary termination | yes | „Auf unser Anpassungs- und Kündigungsrecht, geregelt in § 19 VVG, verzichten wir dann …“ | § 6 Nr. 11, page 5 |
| Increase without new health check on life events (marriage, birth, property) | not addressed | ||
| Automatic indexation of premium and sum | not addressed | ||
| Policyholder's right to terminate | yes | „Sie können Ihre Versicherung jederzeit zum Schluss der Versicherungsperiode ganz oder …“ | § 9 Nr. 1, page 6 |
| Paid-up option or surrender value | yes | „Wenn Sie Ihre Versicherung kündigen, haben Sie weder einen Anspruch auf einen …“ | § 9 Nr. 3, page 6 |
| Additional services such as medical second opinion or support after diagnosis | not addressed |
Austria and Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: only as a rider to a term or unit-linked life policy | not addressed | ||
| Spain: reimbursement of treatment costs for critical illnesses instead of a lump sum (health branch) | not addressed | ||
| Spain: limiting clauses highlighted and signed separately (Art. 3 LCS) | 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
- InterRisk Versicherungs-AG Vienna Insurance Group.
- Distribution
- available through brokers
- Bedingungen zur Krebsversicherung KreVita (B935) Edition: Bedingungen Krebsversicherung KreVita B935, gültig ab 12.2025 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 InterRisk Krebsversicherung KreVita and available as plain
text.
Volltext InterRisk Krebsversicherung KreVita Schwere-Krankheiten-Versicherung · As text (Markdown) InterRisk Krebsversicherung KreVita