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Concordia Krankenhaustagegeld KHT: the policy wording in full
Krankenhaustagegeld der Concordia ohne Kostennachweis in vereinbarter Höhe für Versicherte der gesetzlichen Krankenkasse, mit halbem Tagessatz bei Kur und Reha bis 28 Tage.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 61 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Concordia Krankenhaustagegeld KHT.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | yes, up to the sum insured | „Das Krankenhaustagegeld wird für jeden Tag eines medizinisch notwendigen …“ | Nr. 1, page 1 |
| Selectable benefit levels (minimum and steps) | not addressed | ||
| Benefit from the first day in hospital | yes | „Das Krankenhaustagegeld wird für jeden Tag eines medizinisch notwendigen …“ | Nr. 1, page 1 |
| Minimum length of stay required (e.g. 24 hours or overnight) | not addressed | ||
| Admission and discharge days count as full days | not addressed | ||
| Limit on benefit duration (days per claim or policy year) | yes | „Bei einer stationären Psychotherapie beträgt die Höchstleistungsdauer 20 Tage pro …“ | Nr. 2, page 1 |
| Paid without proof of costs, free to use | yes | „ohne Kostennachweis in vereinbarter Höhe gezahlt“ | Nr. 1, page 1 |
| Reduction for benefits from other insurers or schemes | not addressed | ||
| Daily rate capped at income or need (also with other policies) | not addressed |
Covered stays
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Inpatient treatment for illness | yes | „notwendigen Krankenhausaufenthaltes (Krankheit, Unfall“ | Nr. 1, page 1 |
| Inpatient treatment after an accident | yes | „notwendigen Krankenhausaufenthaltes (Krankheit, Unfall“ | Nr. 1, page 1 |
| Benefit only after accidents (accident-only tariff) | none | „notwendigen Krankenhausaufenthaltes (Krankheit, Unfall“ | Nr. 1, page 1 |
| Inpatient childbirth | yes | „suchung und Behandlung wegen Schwangerschaft, Fehlgeburt und Entbindung“ | Nr. 1, page 1 |
| Day-patient treatment (day clinic) | not addressed | ||
| Outpatient surgery replacing an inpatient stay | not addressed | ||
| Follow-up rehabilitation in hospital | yes, up to the sum insured | „werden 50 Prozent des vereinbarten Tagessatzes pro Tag bis zu einer Dauer von 28 Tagen …“ | Nr. 4, page 1 |
| Spa and sanatorium stays | yes, up to the sum insured | „werden 50 Prozent des vereinbarten Tagessatzes pro Tag bis zu einer Dauer von 28 Tagen …“ | Nr. 4, page 1 |
| Inpatient treatment of mental illness | yes, up to the sum insured | „Bei einer stationären Psychotherapie beträgt die Höchstleistungsdauer 20 Tage pro …“ | Nr. 2, page 1 |
| Mixed institutions (acute and cure) without prior approval | yes | „Gemäß der AVB wird auf die vorherige schriftliche Genehmigung bei akuten Behandlungen …“ | Nr. 3, page 1 |
| Inpatient hospice and palliative care | not addressed | ||
| Higher daily rate in intensive care | not addressed | ||
| Higher daily rate after an accident | not addressed | ||
| Benefit for a parent staying with a child in hospital | not addressed | ||
| Newborns covered from birth without waiting period | not addressed | ||
| Stays abroad (territorial scope, duration) | not addressed |
Additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recovery benefit after discharge | not addressed | ||
| Minimum stay required for the recovery benefit | not addressed | ||
| Lump sum for surgery (also graded by severity) | not addressed | ||
| Rising daily rate for long stays | not addressed | ||
| Replacement daily benefit when private room or chief physician is waived | not addressed | ||
| Benefit for home care replacing a hospital stay | not addressed | ||
| Increase of the daily rate without new health check | not addressed |
Waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General waiting period (months) | not addressed | ||
| Special waiting period (childbirth, psychotherapy, certain illnesses) | not addressed | ||
| No waiting period for accidents | not addressed | ||
| Credit for prior cover or waiver after medical exam | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of known or ongoing illnesses at inception | not addressed | ||
| Exclusion of war and civil unrest | not addressed | ||
| Exclusion for intent, addiction and withdrawal | not addressed | ||
| Exclusion of cosmetic and non-necessary procedures | not addressed | ||
| Exclusion of hazardous sports or motor racing | not addressed | ||
| Exclusion of purely custodial or nursing care stays | not addressed | ||
| Exclusion when travel abroad is for treatment | not addressed | ||
| Exclusion of treatment by spouse, parents or children | not addressed | ||
| Exclusion of epidemics, pandemics or nuclear energy | not addressed |
Contract and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Maximum entry age | not addressed | ||
| Cover ends at a certain age | not addressed | ||
| Health questions at application (scope, period) | not addressed | ||
| Insurer waives ordinary right to cancel | not addressed | ||
| Premium adjustment after inception (conditions) | not addressed | ||
| Deductible or excess days before benefit | not addressed | ||
| Deadline to report the hospital stay | not addressed | ||
| Proof required (admission and discharge certificate, diagnosis) | not addressed | ||
| Policy can be suspended or held dormant | not addressed | ||
| Minimum term and policyholder notice period | not addressed | ||
| Premium waiver during a long hospital stay | not addressed |
Specifics Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Franchise days: first days without benefit | not addressed | ||
| Scheduled modality: benefit per table instead of actual days | not addressed | ||
| Family policy for all household members | not addressed | ||
| For self employed, combinable with temporary incapacity | not addressed | ||
| Consequences of incorrect health declaration (Art. 10 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.
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Policy wordings and provider
- Legal entity
- Concordia Krankenversicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Tarifbedingungen Krankenhaustagegeldtarif KHT (MB/KK 2009, Teil II) Edition: KVu-485-2017-07 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Concordia Krankenhaustagegeld KHT and available as plain text.
Volltext Concordia Krankenhaustagegeld KHT Krankenhaustagegeld · As text (Markdown) Concordia Krankenhaustagegeld KHT Hospital cash