Just imagine that after each medical consultation or hospital stay, you were to pay a high invoice out of your own pocket. This could soon place you – depending on the invoiced amount – into financial difficulties. That is why health insurance coverage is mandatory by law in Germany. In case of health problems, health insurers are to provide the insured person with the money that is needed to pay, for example, an appointment with your physician or a required surgery or a medical prevention measure.
|VELA Light||VELA Optimal||VELA Basis|
|Out-patient curative treatment||100%|
|Medical aids following an accident||250.00 €||100 %||250.00 €|
|Visual aids every three years||-||100.00 €||-|
|Follow-up treatments after inpatient stay||-||-|
|Out-patient preventive medical checkups||-||-|
|Vaccinations for children||-||-|
|Pain-relieving dental treatments per insured year||750.00 €||100 %||750.00 €|
|Repairs of already existing dental prosthesis per insured year 50 %||-||2,600.00 €||300.00 €|
|Dentures per insured year||-||2,600.00 €||300.00 €|
|Medically necessary pregnancy treatments||100 %|
|Prenatal care and deliveries||100 %|
|Costs of return to own country for medical reasons||3,000.00 €||100 %||3,000.00 €|
|Costs for burial / repatriation||3,000.00 €||10,000.00 €||3,000.00 €|
Insurance cover is not provided for*:
With preventive examination for pregnancy and deliveries insurance cover begins after a waiting time of eight months has elapsed. The waiting time starts with the first day of the insurance inception.
For all other benefits, the general waiting period is three months. The general waiting period does not apply for:
* = The General Terms and Conditions of Insurance of the HanseMerkur Reiseversicherung AG, Hamburg are legally binding.
Please check out the precise listing of insurance cover and exclusions of cover under the Terms and Conditions of Insurance (VELA Basis/Optimal/Light).