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Union Krankenversicherung Krankentagegeld (Sparkassenvertrieb): the policy wording in full
Tarif S-KG für gesetzlich versicherte Arbeitnehmer mit sechs Wochen Lohnfortzahlung: Krankentagegeld ab dem 43. Tag, als Monatsbetrag laut Tarifbezeichnung vereinbart, Berufsunfälle und Berufskrankheiten eingeschlossen.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 62 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Union Krankenversicherung
Krankentagegeld (Sparkassenvertrieb).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable daily sickness benefit per calendar day (maximum) | yes, up to the sum insured | „Die Höhe des vereinbarten monatlichen Krankentagegeldes ergibt sich aus der …“ | Tarif S-KG II. Nr. 2, page 1 |
| Benefit capped at net earned income (no overinsurance) | not addressed | ||
| Income basis (reference period, self employed: profit as assessed for tax) | not addressed | ||
| Selectable deferment periods (benefit from day x of incapacity) | no | „Bei vorübergehender völliger Arbeitsunfähigkeit zahlt der Versicherer ein …“ | Tarif S-KG II. Nr. 1, page 1 |
| Earliest benefit start (shortest deferment) | yes | „ein Krankentagegeld ab dem 43. Tag der Arbeitsunfähigkeit in vereinbarter Höhe“ | Tarif S-KG II. Nr. 1, page 1 |
| Benefit duration without time limit (as long as incapacity lasts) | not addressed | ||
| Eligible persons (employees, self employed, freelancers, members of statutory insurance) | yes | „Versicherungsfähig sind alle Personen, die als Arbeitnehmer in einem Arbeitsverhältnis …“ | Tarif S-KG I. Nr. 2, page 1 |
| Tariff topping up statutory sickness pay (gap to net income) | yes | „Krankentagegeldversicherung für gesetzlich Versicherte“ | Tarif S-KG, page 1 |
| Offsetting of continued pay and social benefits against the benefit | not addressed |
Scope of benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit for partial incapacity | no | „Bei vorübergehender völliger Arbeitsunfähigkeit zahlt der Versicherer“ | Tarif S-KG II. Nr. 1, page 1 |
| Benefit during gradual return to work | not addressed | ||
| Benefit during inpatient treatment without or with shortened deferment | not addressed | ||
| Benefit during statutory maternity protection periods | not addressed | ||
| Benefit when a child falls ill (care) | not addressed | ||
| Benefit for mental illness without special restriction | not addressed | ||
| Benefit during spa treatment, sanatorium stay or rehabilitation | not addressed | ||
| Benefit for incapacity abroad (Europe, worldwide) | not addressed | ||
| Benefit for incapacity due to organ or tissue donation | not addressed | ||
| Benefit for pregnancy complications outside protection periods | not addressed | ||
| Retroactive payment from the start despite late notice (no reduction) | not addressed |
Waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General waiting period | not addressed | ||
| Special waiting periods (childbirth, psychotherapy, dental treatment) | not addressed | ||
| No waiting period after an accident | not addressed | ||
| Credit for prior insurance periods against waiting periods | not addressed | ||
| No new deferment for recurring incapacity from the same cause | not addressed |
End of benefit and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit ends on occupational disability | not addressed | ||
| Definition of occupational disability (degree, prognosis period) | not addressed | ||
| Continued payment after occupational disability (months) | not addressed | ||
| Ends on receipt of old age or reduced earning capacity pension | not addressed | ||
| Age at which cover ends | not addressed | ||
| Continuation or dormant cover during unemployment | no | „arbeitslos, so entfällt die Versicherungsfähigkeit zu dem Zeitpunkt, zu dem feststeht …“ | Tarif S-KG I. Nr. 2, page 1 |
| Continuation or dormant cover during parental leave | not addressed | ||
| Insurer may reduce the benefit when income falls | not addressed | ||
| Insurer waives ordinary right of termination | not addressed | ||
| Ends when residence or workplace moves abroad | not addressed |
Adjustments and options
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Increase on higher income without health check | not addressed | ||
| Shorter deferment without health check | not addressed | ||
| Conversion between employed and self employed without new health check | not addressed | ||
| Automatic indexation of the benefit | not addressed | ||
| Dormant cover for a reduced premium | not addressed | ||
| Premium waiver while receiving benefit | not addressed | ||
| Right to convert into disability income insurance | not addressed |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline to report incapacity | not addressed | ||
| Interval for proof of incapacity (medical certificate) | not addressed | ||
| Examination by a doctor appointed by the insurer | not addressed | ||
| Duty to report a fall in income | not addressed | ||
| Benefit only while staying at home or in the country during incapacity | not addressed | ||
| Further sickness benefit cover only with the insurer's consent | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion for intent | not addressed | ||
| Exclusion for addiction (alcohol, drugs) and withdrawal treatment | not addressed | ||
| Exclusion for acts of war | not addressed | ||
| Exclusion for accidents under alcohol or drugs | not addressed | ||
| Exclusion for medically unnecessary procedures (e.g. cosmetic surgery) | not addressed | ||
| Exclusion of pre existing conditions | not addressed | ||
| Exclusion of certain sports or competitions | not addressed | ||
| Exclusion or restriction for back conditions | not addressed |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit by diagnosis table (baremo) instead of actual days | not addressed | ||
| Maximum benefit duration per claim (days) | not addressed | ||
| Additional daily benefit for hospital stay | not addressed | ||
| Benefit only if incapacity is recognised by social security or the professional mutual | not addressed | ||
| Fixed benefit for childbirth or maternity | not addressed | ||
| Additional lump sum for death or permanent disability | 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
- UNION KRANKENVERSICHERUNG AKTIENGESELLSCHAFT
- Distribution
- through tied agents
- Krankentagegeld UKV (Unterlage einer Sparkasse) Edition: 01.07.2015 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 Union Krankenversicherung Krankentagegeld
(Sparkassenvertrieb) and available as plain text.
Volltext Union Krankenversicherung Krankentagegeld (Sparkassenvertrieb) Krankentagegeld · As text (Markdown) Union Krankenversicherung Krankentagegeld (Sparkassenvertrieb)