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DEVK Krankenhaustagegeld KHS: the policy wording in full
Krankenhaustagegeld KHS der DEVK ohne Kostennachweis in vereinbarter Höhe in Schritten von 5 Euro für jeden Tag im Krankenhaus bei Krankheit, Unfall und Entbindung.
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 DEVK Krankenhaustagegeld KHS.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | yes, up to the sum insured | „Für jeden Tag des Krankenhausaufenthalts wird ohne Kostennachweis ein …“ | Tarif KHS, Nr. 2, page 21 |
| Selectable benefit levels (minimum and steps) | yes | „Das Krankenhaustagegeld kann nur in ganzen Vielfachen von 5 Euro versichert werden.“ | Tarif KHS, Nr. 2, page 22 |
| Benefit from the first day in hospital | yes | „Für jeden Tag des Krankenhausaufenthalts wird ohne Kostennachweis ein …“ | Tarif KHS, Nr. 2, page 21 |
| 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 vier Wochen pro …“ | Tarif KHS, Nr. 2, page 20 |
| Paid without proof of costs, free to use | yes | „Für jeden Tag des Krankenhausaufenthalts wird ohne Kostennachweis ein …“ | Tarif KHS, Nr. 2, page 21 |
| Reduction for benefits from other insurers or schemes | not addressed | ||
| Daily rate capped at income or need (also with other policies) | yes | „Eine weitere Krankenhaustagegeldversicherung darf nur mit Einwilligung des Versicherers …“ | § 9 Abs. 6 MB/KK, page 10 |
Covered stays
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Inpatient treatment for illness | yes | „Der Versicherer bietet Versicherungsschutz für Krankheiten, Unfälle und andere im …“ | § 1 Abs. 1 MB/KK, page 5 |
| Inpatient treatment after an accident | yes | „Der Versicherer bietet Versicherungsschutz für Krankheiten, Unfälle und andere im …“ | § 1 Abs. 1 MB/KK, page 5 |
| Benefit only after accidents (accident-only tariff) | none | „Der Versicherer bietet Versicherungsschutz für Krankheiten, Unfälle und andere im …“ | § 1 Abs. 1 MB/KK, page 5 |
| Inpatient childbirth | yes | „Untersuchung und medizinisch notwendige Behandlung wegen Schwangerschaft und die …“ | § 1 Abs. 2 MB/KK, page 6 |
| Day-patient treatment (day clinic) | no | „bei teilstationärer Behandlung gezahlt“ | Tarif KHS, Nr. 2, page 20 |
| Outpatient surgery replacing an inpatient stay | not addressed | ||
| Follow-up rehabilitation in hospital | not addressed | ||
| Spa and sanatorium stays | no | „für Kur- und Sanatoriumsbehandlung sowie für Rehabilitationsmaßnahmen der gesetzlichen …“ | § 5 Abs. 1 d MB/KK, page 8 |
| Inpatient treatment of mental illness | yes, up to the sum insured | „Bei einer stationären Psychotherapie beträgt die Höchstleistungsdauer vier Wochen pro …“ | Tarif KHS, Nr. 2, page 20 |
| Mixed institutions (acute and cure) without prior approval | yes | „kann sich der Versicherer auf eine fehlende Leistungszusage nicht berufen“ | § 4 Teil II Abs. 2, page 7 |
| 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 | yes | „Bei Neugeborenen beginnt der Versicherungsschutz ohne Risikozuschläge und ohne …“ | § 2 Teil I Abs. 2, page 6 |
| Stays abroad (territorial scope, duration) | yes | „Der Versicherer gewährt während der ersten zwei Monate eines vorübergehenden …“ | § 1 Teil II Abs. 3, page 5 |
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) | yes | „Die allgemeine Wartezeit beträgt drei Monate.“ | § 3 Abs. 2 MB/KK, page 6 |
| Special waiting period (childbirth, psychotherapy, certain illnesses) | yes | „Die besonderen Wartezeiten betragen für Entbindung, Psychotherapie, Zahnbehandlung …“ | § 3 Abs. 3 MB/KK, page 36 |
| No waiting period for accidents | yes | „Die allgemeine Wartezeit beträgt drei Monate. Sie entfällt a) bei Unfällen“ | § 3 Abs. 2 MB/KK, page 6 |
| Credit for prior cover or waiver after medical exam | yes | „Die allgemeine Wartezeit und die besonderen Wartezeiten können erlassen werden, wenn …“ | § 3 Teil II Abs. 2, page 7 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of known or ongoing illnesses at inception | not addressed | ||
| Exclusion of war and civil unrest | yes | „die durch Kriegsereignisse verursacht oder als Wehrdienstbeschädigung anerkannt“ | § 5 Abs. 1 a MB/KK, page 8 |
| Exclusion for intent, addiction and withdrawal | yes | „für auf Vorsatz beruhende Krankheiten und Unfälle einschließlich deren Folgen sowie für …“ | § 5 Abs. 1 b MB/KK, page 8 |
| 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 | yes | „für eine durch Pflegebedürftigkeit oder Verwahrung bedingte Unterbringung“ | § 5 Abs. 1 h MB/KK, page 8 |
| Exclusion when travel abroad is for treatment | not addressed | ||
| Exclusion of treatment by spouse, parents or children | yes | „für Behandlungen durch Ehegatten“ | § 5 Abs. 1 g MB/KK, page 5 |
| 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 | no | „kann der Versicherer das Versicherungsverhältnis nur innerhalb der ersten drei …“ | § 14 Abs. 2 MB/KK, page 11 |
| Premium adjustment after inception (conditions) | yes | „Bei einer Veränderung von mehr als 5 Prozent können alle Tarifbeiträge der …“ | § 8b Teil II, page 9 |
| Deductible or excess days before benefit | not addressed | ||
| Deadline to report the hospital stay | none | „Auf die Anzeige einer Krankenhausbehandlung wird verzichtet“ | § 9 Teil II, page 10 |
| Proof required (admission and discharge certificate, diagnosis) | yes | „Der Versicherer ist zur Leistung nur verpflichtet, wenn die von ihm geforderten …“ | § 6 Abs. 1 MB/KK, page 8 |
| Policy can be suspended or held dormant | not addressed | ||
| Minimum term and policyholder notice period | yes | „frühestens aber zum Ablauf einer vereinbarten Vertragsdauer von bis zu zwei Jahren, mit …“ | § 13 Abs. 1 MB/KK, page 11 |
| 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.
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Policy wordings and provider
- Legal entity
- DEVK Krankenversicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Kundeninformation zur Krankenzusatzversicherung (Unisex) mit AVB/KK Teil I bis III, darin Tarif KHS Krankenhaustagegeldversicherung Edition: 07/2024 (90039) 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 Krankenhaustagegeld KHS and available as plain text.
Volltext DEVK Krankenhaustagegeld KHS Krankenhaustagegeld · As text (Markdown) DEVK Krankenhaustagegeld KHS Hospital cash