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HanseMerkur Krankenhaustagegeld UKHT: the policy wording in full
Reines Unfall-Krankenhaustagegeld in vereinbarter Höhe bei stationärer Behandlung wegen eines Unfalls, weltweit und ohne Wartezeiten.
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 HanseMerkur Krankenhaustagegeld
UKHT.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | yes, up to the sum insured | „Im Versicherungsfall zahlt der Versicherer ein Krankenhaustagegeld.“ | § 1 AB/UKHT, page 14 |
| Selectable benefit levels (minimum and steps) | not addressed | ||
| Benefit from the first day in hospital | not addressed | ||
| 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) | not addressed | ||
| Paid without proof of costs, free to use | yes | „z. B. für Nebenkosten im Krankenhaus wie Telefon, Bücher, Zeitschriften usw.“ | Informationsblatt, Was ist versichert, 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 | no | „Stationäre Heilbehandlungen, die nicht auf einem Unfall beruhen.“ | Informationsblatt, Was ist nicht versichert, page 1 |
| Inpatient treatment after an accident | yes | „Versicherungsfall ist die medizinisch notwendige stationäre ... einer versicherten …“ | § 1 AB/UKHT, page 14 |
| Benefit only after accidents (accident-only tariff) | yes | „Versicherungsfall ist die medizinisch notwendige stationäre ... einer versicherten …“ | § 1 AB/UKHT, page 14 |
| Inpatient childbirth | not addressed | ||
| Day-patient treatment (day clinic) | no | „für Krankenhaustagegeldleistungen bei teil-, vor- und nachstationärer Heilbehandlung“ | § 4 d AB/UKHT, page 14 |
| Outpatient surgery replacing an inpatient stay | not addressed | ||
| Follow-up rehabilitation in hospital | not addressed | ||
| Spa and sanatorium stays | no | „für medizinisch notwendige stationäre Heilbehandlungen in Krankenanstalten, die auch …“ | § 4 c AB/UKHT, page 14 |
| Inpatient treatment of mental illness | not addressed | ||
| Mixed institutions (acute and cure) without prior approval | no | „für medizinisch notwendige stationäre Heilbehandlungen in Krankenanstalten, die auch …“ | § 4 c AB/UKHT, page 14 |
| 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) | yes | „Der Versicherungsschutz gilt weltweit.“ | § 1 AB/UKHT, page 9 |
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) | none | „Auf Wartezeiten wird verzichtet.“ | § 2 AB/UKHT, page 14 |
| Special waiting period (childbirth, psychotherapy, certain illnesses) | none | „Auf Wartezeiten wird verzichtet.“ | § 2 AB/UKHT, page 14 |
| No waiting period for accidents | yes | „Auf Wartezeiten wird verzichtet.“ | § 2 AB/UKHT, page 14 |
| 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 | yes | „Für Versicherungsfälle, die vor Beginn des Versicherungsschutzes eingetreten sind, wird …“ | § 2 AB/UKHT, page 14 |
| Exclusion of war and civil unrest | yes | „für Folgen von Unfällen, die durch Kriegsereignisse verursacht oder als …“ | § 4 a AB/UKHT, page 14 |
| Exclusion for intent, addiction and withdrawal | yes | „für auf Vorsatz beruhende Unfälle einschließlich deren Folgen“ | § 4 b AB/UKHT, page 14 |
| Exclusion of cosmetic and non-necessary procedures | yes | „Stationäre Heilbehandlungen, die nicht medizinisch notwendig sind.“ | Informationsblatt, Was ist nicht versichert, page 1 |
| 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“ | § 4 e AB/UKHT, page 14 |
| 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 | yes | „Der Versicherer kann das Versicherungsverhältnis zum Ende eines jeden der ersten drei …“ | § 9 AB/UKHT, page 15 |
| Premium adjustment after inception (conditions) | yes | „Ergibt diese Gegenüberstellung eine Abweichung von mehr als 5 v. H., so können die …“ | § 7 AB/UKHT, page 15 |
| Deductible or excess days before benefit | not addressed | ||
| Deadline to report the hospital stay | not addressed | ||
| Proof required (admission and discharge certificate, diagnosis) | yes | „Die Leistungspflicht des Versicherers setzt voraus, dass ihm neben der ärztlichen …“ | § 3 AB/UKHT, page 14 |
| Policy can be suspended or held dormant | not addressed | ||
| Minimum term and policyholder notice period | yes | „Der Vertrag wird für zwei Versicherungsjahre geschlossen.“ | § 6 AB/UKHT, page 15 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- HanseMerkur Krankenversicherung AG, HanseMerkur Krankenversicherung auf Gegenseitigkeit, HanseMerkur Speziale Krankenversicherung AG
- Distribution
- brokers and direct
- Verbraucherinformation Unfall-Krankenhaustagegeld mit Allgemeinen Bedingungen AB/UKHT Edition: Verbraucherinformation Juni 2026, AB/UKHT 01.26 Original from the insurer (PDF, German)
- Informationsblatt Unfall-Krankenhaustagegeld UKHT (IPID) Edition: IPID UKHT 05.19 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 HanseMerkur Krankenhaustagegeld UKHT and available as plain
text.
Volltext HanseMerkur Krankenhaustagegeld UKHT Krankenhaustagegeld · As text (Markdown) HanseMerkur Krankenhaustagegeld UKHT Hospital cash