Make the most of your coverage by understanding how cashback and bonuses work. Bonus plans can reward you for staying claim-free with a no-claim bonus. In addition, they include guaranteed monthly pocket money paid into your bank account to help cover medical bills, and any unused amount at the end of the year is yours to keep.
What is the no-claim bonus, and how can I earn it?
If you don’t submit any claims between January and December and stay insured for the full year, you’ll receive a cashback of roughly one monthly premium. The amount can increase if you remain claim-free for multiple years in a row. To receive the payout, you must still be insured with us at the time it’s paid out, usually in June of the following year.
What conditions apply to receiving the no-claim bonus?
You don’t submit any claims for the whole calendar year.
You're insured for all 12 calendar months.
You’re still covered when the money is paid out (~ June the following year).
How can I decide whether to submit claims or keep my cashback?
Check your coverage overview to see if you can submit bills for preventive check-ups without losing the cashback.
Before submitting your bills, wait until the end of the year to compare which is better: keeping your cashback or submitting your bills for reimbursement. You can submit bills up to 2 years after treatment if you change your mind.
What is the guaranteed monthly cashback or pocket money?
You receive your guaranteed monthly cashback directly into your bank account at the end of each month. This amount can be used to cover medical bills throughout the year. When you submit a claim, it is reimbursed from your annual cashback balance first—think of it as prepaid claims up to your yearly cashback limit.
Any unused cashback remains yours to keep at the end of the calendar year.
How is pocket money different from deductibles?
Pocket money is a monthly bonus paid to you to help cover medical expenses. Deductibles are the amount you must pay out of pocket each year before insurance coverage begins and are not reimbursed.
What are the requirements to receive the monthly pocket money?
Check how much pocket money you get in the overview in your account.
You only get pocket money if you pay your insurance via direct debit. If you pay manually, it won’t apply.
Example
You're on the standard plan with €100 monthly pocket money (€1,200 per year).
You get a €2,000 medical bill in March.
The bill is partly covered by your yearly pocket money (€1,200). Your insurance pays the remaining €800. That year, any other bills are fully covered.