Outpatient Treatment
Outpatient treatment from your primary physician (GP)
100%
Outpatient treatment from a specialist
100%
Treatment by non-medical healing practitioners (Heilpraktiker)
(Treatments, medications, dressings and remedies as well as laboratory tests)
100%, up to a max. €1,000 per calendar year
Up to the maximum rate specified in the schedule of fees for non-medical healing practitioners (GebüH)
Visual aids
(Glasses lenses, frames and contact lenses)
100%, up to €300 every 3 years or where there has been a change in prescription of at least 0.5 dioptres
Eye operation to correct defective vision (refractive surgery)
, e.g. LASIK
Up to €2,000 every 5 years for both eyes combined
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%, including travel shots
Medicines and dressings
100%
Remedies
(e.g. ergotherapy and physiotherapy)
80% for remedies up to €2,500 per calendar year; thereafter 100%
Auxiliary aids
(e.g. hearing aids)
100%
Approval required where costs exceed €1,000
Outpatient psychotherapy
100% from the 31st appointment in the calendar year; before that 80%
Spa / rehabilitation
(first available after 2 years, thereafter every 3 years)
Outpatient: 80%
Residential: 100% up to €30 per day, for a maximum of 28 days
Inpatient Treatment
Inpatient treatment in hospital
✓
Treatment by the consultant
✓
Single or twin room
✓
Dental Treatment
Dental care — benefit limits
1st calendar year€1,000
2nd calendar year€2,000
3rd calendar year€3,000
A total of up to €6,000 can be reimbursed in the first 3 calendar years. Limits do not apply after the 4th calendar year or in case of accident.
Dental treatment
(Preventative treatments, fillings and inlays)
100%
Dental prosthetics
(Bridges, crowns, onlays, implants and false teeth)
80%, unlimited implants
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 — includes dental prophylaxis & professional teeth cleaning)
✓ Covered
Compare with other ARAG tariffs: