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HUK-COBURG Krankenhaustagegeld Tarif KHT: the policy wording in full
Krankenhaustagegeld in 5-Euro-Stufen bis 100 Euro je vollem Kalendertag stationärer Behandlung oder Entbindung, ohne Kostennachweis und ohne zeitliche Begrenzung.
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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 HUK-COBURG Krankenhaustagegeld
Tarif KHT.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | yes, up to EUR 100 | „Das Krankenhaustagegeld kann in 5 €-Stufen bis zu einem Tagessatz von 100 € gewählt …“ | Teil III Abschnitt I Nr. 4, page 1 |
| Selectable benefit levels (minimum and steps) | yes | „Das Krankenhaustagegeld kann in 5 €-Stufen bis zu einem Tagessatz von 100 € gewählt …“ | Teil III Abschnitt I Nr. 4, page 1 |
| 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 | no | „Aufnahme- und Entlassungstag werden zusammen als ein voller Tag gewertet.“ | Teil III Abschnitt I Nr. 1, page 1 |
| Limit on benefit duration (days per claim or policy year) | none | „ohne Kostennachweis und ohne zeitliche Begrenzung gezahlt“ | Teil III Abschnitt I Nr. 1, page 1 |
| Paid without proof of costs, free to use | yes | „ohne Kostennachweis und ohne zeitliche Begrenzung gezahlt“ | Teil III Abschnitt I Nr. 1, page 1 |
| Reduction for benefits from other insurers or schemes | yes | „bei stationärer Heilbehandlung im Sanitätsbereich wird die Hälfte des versicherten …“ | Teil III Abschnitt I Nr. 2, page 1 |
| 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 | „Das versicherte Krankenhaustagegeld wird für jeden vollen Kalendertag (0 Uhr bis 24 …“ | Teil III Abschnitt I Nr. 1, page 1 |
| Inpatient treatment after an accident | yes | „Bei Unfall entfällt die allgemeine Wartezeit.“ | Teil III Abschnitt II, page 1 |
| Benefit only after accidents (accident-only tariff) | not addressed | ||
| Inpatient childbirth | yes | „und einer Entbindung im Krankenhaus oder Entbindungsheim ohne Kostennachweis“ | Teil III Abschnitt I Nr. 1, page 1 |
| Day-patient treatment (day clinic) | not addressed | ||
| Outpatient surgery replacing an inpatient stay | not addressed | ||
| Follow-up rehabilitation in hospital | not addressed | ||
| Spa and sanatorium stays | not addressed | ||
| Inpatient treatment of mental illness | yes, up to the sum insured | „Für stationäre psychotherapeutische Behandlung wird das versicherte Krankenhaustagegeld …“ | Teil III Abschnitt I Nr. 3, page 1 |
| Mixed institutions (acute and cure) without prior approval | not addressed | ||
| 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) | yes | „Es gelten die Wartezeiten gemäß § 3 AVB.“ | Teil III Abschnitt II, page 1 |
| Special waiting period (childbirth, psychotherapy, certain illnesses) | not addressed | ||
| No waiting period for accidents | yes | „Bei Unfall entfällt die allgemeine Wartezeit.“ | Teil III Abschnitt II, page 1 |
| 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 | yes | „Für die in § 5 (1.2) AVB genannten Entziehungsmaßnahmen wird ein Krankenhaustagegeld …“ | Teil III Abschnitt I Nr. 1, page 1 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- HUK-COBURG-Krankenversicherung AG
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen Krankenhaustagegeld Tarif KHT (MB/KK 2009 und Tarifbedingungen) Edition: Tarif KHT, AP00302U Stand 01.2019 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 HUK-COBURG Krankenhaustagegeld Tarif KHT and available as
plain text.
Volltext HUK-COBURG Krankenhaustagegeld Tarif KHT Krankenhaustagegeld · As text (Markdown) HUK-COBURG Krankenhaustagegeld Tarif KHT Hospital cash