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VRK Krankenhaustagegeld: the policy wording in full
Allgemeine Versicherungsbedingungen (MB/KK 2009 und Tarifbedingungen der VRK) für Krankheitskosten- und Krankenhaustagegeldversicherungen, mit erlassbaren Wartezeiten und nachträglicher Prüfung gemischter Anstalten; Tagessatz und Tarifleistungen stehen im Tarif, der nicht vorliegt.
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 VRK Krankenhaustagegeld.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily rate per day in hospital (maximum) | not addressed | ||
| 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 | none | „unbeschadet der Ansprüche des Versicherungsnehmers auf Krankenhaustagegeld“ | § 5 Abs. 3 MB/KK, page 9 |
| Daily rate capped at income or need (also with other policies) | yes | „Eine weitere Krankenhaustagegeldversicherung darf nur mit Einwilligung des Versicherers …“ | § 9 (6) MB/KK, page 10 |
Covered stays
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Inpatient treatment for illness | yes | „Versicherungsfall ist die medizinisch notwendige Heilbehandlung einer versicherten …“ | § 1 Abs. 2 MB/KK, page 7 |
| Inpatient treatment after an accident | yes | „Versicherungsfall ist die medizinisch notwendige Heilbehandlung einer versicherten …“ | § 1 Abs. 2 MB/KK, page 7 |
| Benefit only after accidents (accident-only tariff) | none | „Versicherungsfall ist die medizinisch notwendige Heilbehandlung einer versicherten …“ | § 1 Abs. 2 MB/KK, page 7 |
| Inpatient childbirth | yes | „Untersuchung und medizinisch notwendige Behandlung wegen Schwangerschaft und die …“ | § 1 Abs. 2 a MB/KK, page 7 |
| Day-patient treatment (day clinic) | not addressed | ||
| Outpatient surgery replacing an inpatient stay | not addressed | ||
| Follow-up rehabilitation in hospital | no | „für Kur- und Sanatoriumsbehandlung sowie für Rehabilitationsmaßnahmen der gesetzlichen …“ | § 5 Abs. 1 d MB/KK, page 9 |
| Spa and sanatorium stays | no | „für Kur- und Sanatoriumsbehandlung sowie für Rehabilitationsmaßnahmen der gesetzlichen …“ | § 5 Abs. 1 d MB/KK, page 9 |
| Inpatient treatment of mental illness | not addressed | ||
| Mixed institutions (acute and cure) without prior approval | yes | „Krankenanstalten (gemischten Krankenanstalten) im Nachhinein geprüft, wenn es versäumt …“ | Teil II § 4 (5.1), page 8 |
| 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 Abs. 2 MB/KK, page 7 |
| Stays abroad (territorial scope, duration) | yes | „Der Versicherungsschutz erstreckt sich auf Heilbehandlung in Europa.“ | § 1 (4) MB/KK, page 7 |
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 (2) MB/KK, page 7 |
| Special waiting period (childbirth, psychotherapy, certain illnesses) | yes | „Die besonderen Wartezeiten betragen für Entbindung, Psychotherapie, Zahnbehandlung …“ | § 3 Abs. 3 MB/KK, page 7 |
| No waiting period for accidents | yes | „Die allgemeine Wartezeit beträgt drei Monate. Sie entfällt a) bei Unfällen“ | § 3 Abs. 2 MB/KK, page 7 |
| Credit for prior cover or waiver after medical exam | yes | „In der Krankheitskostenteil- und Krankenhaustagegeldversicherung können sämtliche …“ | Teil II § 3 (5.1), page 8 |
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 Abs. 1 MB/KK, page 7 |
| Exclusion of war and civil unrest | yes | „die durch Kriegsereignisse verursacht oder als Wehrdienstbeschädigung anerkannt und …“ | § 5 (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 g MB/KK, page 9 |
| Exclusion when travel abroad is for treatment | not addressed | ||
| Exclusion of treatment by spouse, parents or children | yes | „für Behandlungen durch Ehegatten, Lebenspartner“ | § 5 (1) MB/KK, page 9 |
| 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 | „so kann der Versicherer das Versicherungsverhältnis nur innerhalb der ersten drei …“ | § 14 Abs. 2 MB/KK, page 12 |
| Premium adjustment after inception (conditions) | yes | „Dementsprechend vergleicht der Versicherer zumindest jährlich für jeden Tarif die …“ | § 8b Abs. 1 MB/KK, page 10 |
| Deductible or excess days before benefit | not addressed | ||
| Deadline to report the hospital stay | yes | „Jede Krankenhausbehandlung ist binnen 10 Tagen nach ihrem Beginn anzuzeigen.“ | § 9 Abs. 1 MB/KK, page 10 |
| Proof required (admission and discharge certificate, diagnosis) | yes | „Wenn nur die Erstattung von Krankenhaustagegeld beantragt wird, ist als Nachweis eine …“ | Teil II § 6 (1.1), page 9 |
| Policy can be suspended or held dormant | yes | „kann verlangt werden, das Versicherungsverhältnis in eine Anwartschaftsversicherung …“ | § 15 Abs. 3 MB/KK, page 12 |
| Minimum term and policyholder notice period | yes | „Der Vertrag wird pro Person und Tarif erstmals für ein Versicherungsjahr abgeschlossen“ | Teil II § 8 (2.1), page 4 |
| 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
- Versicherer im Raum der Kirchen Krankenversicherung AG
- Distribution
- not known
- Informationen zur Krankheitskosten- und Krankenhaustagegeldversicherung mit AVB Teil I und II Edition: APV1002U Stand 08.2026 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 VRK Krankenhaustagegeld and available as plain text.
Volltext VRK Krankenhaustagegeld Krankenhaustagegeld · As text (Markdown) VRK Krankenhaustagegeld Hospital cash