Which benefits are excluded in the health insurance?

  • Illnesses, disorders, accidents, pregnancy and their consequences, which already existed before commencement of the insurance coverage
  • Illnesses (including suicide and attempted suicide) and accidents which are based on intent or illegal acts including their consequences as well as for detoxification and withdrawal treatments and costs resulting from the abuse of alcohol, medicaments, narcotics and drugs/intoxicants
  • Abortions and their consequences
  • Contraception consulting, contraceptives (e. g. birth control pill)
  • Examinations for the obtainment of a residence permit etc. as well as the treatment of illnesses which are detected in this connection
  • HIV infection (AIDS) and its consequences as well as HIV tests
  • Examinations and treatments by alternative practitioners
  • Examinations and treatments due to defective vision
  • Prophylactic vaccinations, immunisations and the like
  • Preventative medical examinations and check-ups, such as cancer screening or cancer diagnostics for instance
  • Aids (e. g. pads, glasses, etc.) as well as health-related necessities such radiation lamps, fever thermometers, etc.
  • Treatment of acne, hair loss, birthmarks and warts, cosmetic treatments as well as packs (e. g. natural moor and mud packs)
  • Nourishing and cosmetic preparations, regenerative products, mineral water, disinfectants and cosmetic aids, dietary and baby food and the like
  • Infectious diseases, which if applicable, are first detected during an examination, which is immediately conducted upon entering the country
  • Treatments, for which is was already clear at the beginning of the journey, that they would have to take place if the journey was carried out as scheduled
  • Diseases or illnesses and results of accidents, whose treatment was the sole reason or one of the reasons for going on the journey
  • Treatments at health resorts and sanatoriums
  • Placement related to nursing care dependency or custodianship
  • Preventative medical examinations and check-ups by a dentist
  • Root end surgery
  • Benefits for implantologic, orthodontic, function analytical (braces and occlusal splints), prosthetic treatments (dental prosthesis except for the PREMIUM tariff), systematic treatment of periodontitis, dental plaque and calculus removal, scaling as well as the restructuring of already damaged teeth, which are not associated with the implementation of the acute pain therapy (e. g. replacement of old fillings, treatment due to symptom-free secondary findings)
  • Reports on diagnostic findings, certificates, medical opinions, physician attestations, postal charges, etc.
  • Costs associated with the determination of the hormonal status and the implementation of hormone therapy