Outpatient Treatment
Treatment by GP or specialist
100% of residual cost
Direct specialist access (no GP referral required)
✓
Treatment by Heilpraktiker (non-medical healing practitioner)
100%, up to GebüH rates
Medicines and dressings
100%
Remedies (physiotherapy, ergotherapy, etc.)
100%
Visual aids (glasses, contact lenses)
Up to €600 within 24 months
Important: many states cap their Beihilfe reimbursement for optical aids well below market prices. BeihilfeBest covers your residual cost up to the stated limit.
Refractive surgery (e.g. LASIK)
Up to €4,000 within 60 months (max. €600 in first 24 months)
During the first 24 months, the maximum reimbursable amount for refractive surgery is limited to €600. After 24 months, the full €4,000 limit per 60-month period applies. Covers both eyes combined.
Preventive check-ups (cardiovascular, cancer screening, etc.)
100%
Vaccinations (including travel vaccinations)
100%
Auxiliary aids (hearing aids, etc.)
80% (pre-approval above €1,000)
For auxiliary aids with invoice amounts above €1,000, pre-approval (Zusage) from the insurer is required for full reimbursement. Below €1,000, 80% of the residual cost is covered.
Outpatient psychotherapy
100%
Alternative medicine (Alternativmedizin)
✓
Fertility treatment (Kinderwunschbehandlung)
✓
Outpatient spa / rehabilitation (ambulante Kur)
✓
Inpatient Treatment
Hospital treatment
100% of residual cost
Ward accommodation
Multi-bed room (Mehrbettzimmer)
For chief physician, 2-bed room, or 1-bed room, see BeihilfeKlinik and BeihilfeEinbett supplements. Hospital comfort benefits vary significantly by federal state.
Private clinics (Privatkliniken)
✓
Rooming-In (parent staying with child up to age 12)
✓
Inpatient spa / rehabilitation (stationäre Kur)
Up to €300/day
Reimbursement above GOÄ maximum rate (for medically necessary treatment)
✓
Worldwide cover incl. repatriation
✓
Dental Treatment
Conservative dental treatment (fillings, root canals, etc.)
100% of residual cost
Dental prosthetics (crowns, bridges, implants)
100% of residual cost
Note: dental lab and material costs often exceed what Beihilfe considers eligible. BeihilfeBest covers your residual portion. For additional gap-closing, see BeihilfeErgänzungBest.
Orthodontics
100% of residual cost
Professional dental cleaning (PZR)
✓ Covered
All lab and material costs (for dental prosthetics)
✓ Fully insured
No dental scale (keine Zahnstaffel)
✓
Full dental benefits from day one — no graduated percentage limits in the first years.
No Heil- und Kostenplan required
✓
No obligation to submit a treatment plan before receiving dental prosthetics.
Additional Benefits
Contribution refund (BRE) (Beitragsrückerstattung)
✓ Available
The refund amount is not a fixed guarantee — it is determined annually by the insurer's board. Current practice: up to several monthly premiums can be refunded in claim-free years. Certain preventive services, vaccinations, and professional dental cleaning typically do not count as claims and do not affect BRE eligibility. The exact services exempt from claims are defined in the tariff's preventive care directory.
Digital invoice submission (ARAG GesundheitsApp)
✓
Submit invoices, track reimbursements, and manage your tariff digitally. iOS and Android.
Worldwide emergency coverage (incl. medical repatriation)
✓
Maternity programs (birth preparation, pregnancy, postnatal recovery)
✓
Important: This page provides a summary of key BeihilfeBest benefits for informational purposes. The exact scope of coverage, exclusions, waiting periods, and conditions are defined by the applicable tariff documents and general insurance conditions (AVB). This overview does not constitute an individual insurance offer.
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