A waiting period is the time between the start date of a private health insurance (PKV) policy and the date the coverage can actually be used. Our private health insurance (PKV) applies no waiting period if you have had comprehensive health insurance in the 12 months before your policy starts, or if you complete a medical examination before coverage begins. Under either condition, coverage begins as soon as the policy is confirmed. Many other private health insurance providers apply standard waiting periods of 3 months for most claims and 8 months for childbirth, psychotherapy, dental treatment, dentures, and orthodontics.
What is a waiting period in private health insurance?
A waiting period in private health insurance (PKV) is the time between the start date of your policy and the date you can begin using your coverage. During a waiting period the policy is already active, but treatment costs aren't reimbursed yet. Waiting periods exist to prevent a policy from being taken out only to claim a large, immediate cost.
Is there a waiting period on my private health insurance policy?
Our private health insurance (PKV) applies no waiting period if either of the following is true:
You have had comprehensive health insurance at some point in the 12 months before your coverage starts.
You complete a medical examination before your coverage begins.
When either condition is met, your coverage starts as soon as your policy is confirmed, and you can use it from the first day.