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LKH Krankenhaustagegeld KHTU: the policy wording in full
Krankenhaustagegeld in vereinbarter Höhe bei stationärer Behandlung, bei teilstationärer Behandlung zur Hälfte; ausgewertet ist nur das Informationsblatt.
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 LKH Krankenhaustagegeld KHTU.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | yes, up to the sum insured | „Krankenhaustagegeld bei stationärer Behandlung im Krankenhaus in vereinbarter Höhe“ | Informationsblatt, Was ist versichert, page 1 |
| 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 | not addressed | ||
| 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 | „Krankenhaustagegeld bei stationärer Behandlung im Krankenhaus in vereinbarter Höhe“ | Informationsblatt, Was ist versichert, page 1 |
| Inpatient treatment after an accident | not addressed | ||
| Benefit only after accidents (accident-only tariff) | not addressed | ||
| Inpatient childbirth | not addressed | ||
| Day-patient treatment (day clinic) | yes, up to the sum insured | „Bei teilstationären Behandlungen wird die Hälfte des versicherten Krankenhaustagegeldes …“ | Informationsblatt, Deckungsbeschränkungen, page 1 |
| 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 | not addressed | ||
| 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) | yes | „Versichert sind Heilbehandlungen in den Mitgliedsstaaten der Europäischen Union und den …“ | Informationsblatt, Wo bin ich versichert, page 1 |
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 | yes | „Auf Vorsatz beruhende Krankheiten und Unfälle“ | Informationsblatt, Was ist nicht versichert, page 1 |
| Exclusion of cosmetic and non-necessary procedures | yes | „Behandlungen und Untersuchungen, 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 | 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) | yes | „alle von uns geforderten Angaben zu vorbestehenden Erkrankungen oder Beschwerden sowie …“ | Informationsblatt, Welche Verpflichtungen habe ich, page 1 |
| Insurer waives ordinary right to cancel | not addressed | ||
| Premium adjustment after inception (conditions) | yes | „Erhöhen sich die Beiträge, können Sie Ihren Versicherungsvertrag innerhalb von zwei …“ | Informationsblatt, Wie kann ich den Vertrag kündigen, page 2 |
| 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 | yes | „frühestens jedoch zum Ablauf der Mindestversicherungsdauer von zwei Versicherungsjahren“ | Informationsblatt, Wie kann ich den Vertrag kündigen, page 2 |
| 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
- Landeskrankenhilfe V.V.a.G.
- Distribution
- brokers and direct
- Produktinformationsblatt KHTU Edition: Informationsblatt KHTU, LKH 6-72 09.24 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 LKH Krankenhaustagegeld KHTU and available as plain text.
Volltext LKH Krankenhaustagegeld KHTU Krankenhaustagegeld · As text (Markdown) LKH Krankenhaustagegeld KHTU Hospital cash