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SIGNAL IDUNA Krankenhaustagegeld EKH: the policy wording in full
Krankenhaustagegeld nach versicherter Leistungsstufe für jeden vollen Kalendertag im Krankenhaus ohne zeitliche Begrenzung, mit Wochenbettpauschale bei kurzer Entbindung; R-EKH als Ausbildungsvariante ohne Wartezeiten.
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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 SIGNAL IDUNA Krankenhaustagegeld
EKH.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | yes, up to the sum insured | „Gemäß der versicherten Leistungsstufe wird das ... für jeden vollen Kalendertag (24 …“ | Teil III B 1.1.1, page 1 |
| Selectable benefit levels (minimum and steps) | yes | „Die Tarifbezeichnung wird um die versicherte Leistungsstufe ergänzt (Beispiel: EKH 50).“ | Teil III B 1.3, page 1 |
| Benefit from the first day in hospital | yes | „der Entlassungstag zählen jeweils als ein voller Kalendertag“ | Teil III B 1.1.3, page 1 |
| Minimum length of stay required (e.g. 24 hours or overnight) | not addressed | ||
| Admission and discharge days count as full days | yes | „der Entlassungstag zählen jeweils als ein voller Kalendertag“ | Teil III B 1.1.3, page 1 |
| Limit on benefit duration (days per claim or policy year) | none | „Krankenhaustagegeld bei stationärer Krankenhausheilbehandlung ohne zeitliche Begrenzung“ | Teil III B 1.1, page 1 |
| Paid without proof of costs, free to use | not addressed | ||
| Reduction for benefits from other insurers or schemes | yes | „wird das Krankenhaustagegeld nach einem ununterbrochenen Aufenthalt von 10 Tagen für …“ | Teil III B 1.1.2, 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 | „Krankenhaustagegeld bei stationärer Krankenhausheilbehandlung ohne zeitliche Begrenzung“ | Teil III B 1.1, page 1 |
| Inpatient treatment after an accident | not addressed | ||
| Benefit only after accidents (accident-only tariff) | not addressed | ||
| Inpatient childbirth | yes | „Das gilt auch bei Entbindungen im Krankenhaus oder im Entbindungsheim.“ | Teil III B 1.1.1, 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 | 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) | 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 | „Die Wartezeiten entfallen, wenn außer der Krankenhaustagegeldversicherung eine …“ | Teil III A, page 1 |
| Special waiting period (childbirth, psychotherapy, certain illnesses) | yes | „Abweichend von § 3 Teil I entfallen die Wartezeiten.“ | Teil III C 4, page 1 |
| 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) | yes | „Die Bestimmungen der Allgemeinen Versicherungsbedingungen zu Beitragsanpassungen …“ | Teil III C 5, page 1 |
| 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
- SIGNAL IDUNA Krankenversicherung a.G.
- Distribution
- brokers and direct
- Tarifbedingungen Krankenhaustagegeldtarife EKH und R-EKH Edition: Fassung 01.2020 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 SIGNAL IDUNA Krankenhaustagegeld EKH and available as plain
text.
Volltext SIGNAL IDUNA Krankenhaustagegeld EKH Krankenhaustagegeld · As text (Markdown) SIGNAL IDUNA Krankenhaustagegeld EKH Hospital cash