Will the no-claim-in-a-year bonus be impacted?
If you are on a long-term plan, you are eligible for this bonus if:
You didn't submit any claims for a full calendar year
You were covered with our private health insurance for all 12 months of that year
And you're still covered by the time the cashback is paid out
This is between May and June of the following year
If you've switched coverage during the year, your bonus will still be calculated on your previous premium.
That bonus also increases with the years you don’t submit any claims. If you change coverage, it doesn’t start again from year one! The years without claims that you’ve accumulated so far will still be taken into account.
You can learn more about how bonuses work here.
Will the dental treatment limit be impacted?
The yearly dental treatment limit differs between plans, so make sure you’ve reviewed it before changing coverage.
However, it doesn’t start again from year one when switching plans. If you’ve been privately insured for three years and you switch to a different plan, simply refer to the 3rd-year dental treatment limit for the new plan.
Will the minimum contract term be impacted?
Long-term plans
All of our long-term plans have a minimum term of two years before you can cancel and switch to a different German provider.
When upgrading or downgrading, this period restarts. The minimum term of two years will apply again from the date the new plan comes into effect.
This doesn’t apply if you are moving out of Germany. In that case, you can cancel at any time.
Short-term plans
All short-term plans can be canceled monthly. Switching between short-term plans has no consequence on the contract terms.