Outpatient Treatment
Outpatient treatment from your primary physician (GP)
100%
Outpatient treatment from a specialist
100%, if you were referred by your GP, otherwise 80%
Primary physician principle applies
Treatment by non-medical healing practitioners (Heilpraktiker)
(Treatments, medications, dressings and remedies as well as laboratory tests)
80%, up to a max. €500 per calendar year
Up to the minimum rate specified in the schedule of fees for non-medical healing practitioners (GebüH)
Visual aids
(Glasses lenses, frames and contact lenses)
100%, up to a max. €150 every 3 years
Eye operation to correct defective vision (refractive surgery)
, e.g. LASIK
—
Preventative check-ups
(e.g. for cardiovascular diseases or cancer prevention)
100%
Immunisations
(e.g. immunisations for diphtheria, hepatitis A and B and tick-borne encephalitis)
100%, excludes travel shots
Medicines and dressings
80% for prescription-only medications and remedies (as per the directory), dressings and auxiliary aids (approval required where costs exceed €1,000), up to a total of €2,500 per calendar year, thereafter: 100%
Remedies
(e.g. ergotherapy and physiotherapy)
see Medicines and dressings above
Auxiliary aids
(e.g. hearing aids)
see Medicines and dressings above
Outpatient psychotherapy
80%, up to 50 appointments per calendar year
Spa / rehabilitation
(first available after 2 years, thereafter every 3 years)
—
Inpatient Treatment
Inpatient treatment in hospital
✓
Treatment by the consultant
✓
Single or twin room
✓
Dental Treatment
Dental care — benefit limits
1st insurance year€1,000
2nd insurance year€2,000
3rd insurance year€3,000
4th insurance year€4,000
5th insurance year€5,000
A total of up to €15,000 can be reimbursed in the first 5 insurance years. Limits do not apply after the 6th insurance year or in case of accident.
Dental treatment
(Preventative treatments, fillings and inlays)
100%
Dental prosthetics
(Bridges, crowns, onlays, implants and false teeth)
80%, a maximum of 4 implants per jawbone
Orthodontic treatment
80%
Additional Benefits
Exemption from contributions while receiving parental benefits (up to 6 months) / (Waiting period: 8 months)
—
Flat-rate reimbursement (depending upon the level of excess selected)
✓ up to €600
Performance-related premium refund
✓ Currently 2 monthly premiums
All preventative services listed in the tariff's own preventative care directory (Vorsorgeverzeichnis) are exempt from claims — using these services does not affect your eligibility for the premium refund.
Preventative measures (as per the tariff's Vorsorgeverzeichnis)
✓ Covered
Compare with other ARAG tariffs: