The overview below is a simplified version of the official Terms and Conditions. You can find the legally binding version at the bottom of the page.

Guaranteed cashback

No-claim-in-a-year bonus

<aside> <img src="/icons/currency_gray.svg" alt="/icons/currency_gray.svg" width="40px" /> €1200 per year for adults/ €600 per year for covered children

• €100 (or €50 for covered children) is paid to your bank account at the end of each month.
• You need to use this bonus to cover medical bills. Once your bills exceed €1200 per year (or €600 for your child), you get additional reimbursement.
• Any unused bonus is yours to keep at the end of the year, and the balance resets to zero in the following year. </aside>

<aside> <img src="/icons/currency_gray.svg" alt="/icons/currency_gray.svg" width="40px" /> You get an additional bonus payment worth 1 monthly premium, if:

• you don’t submit any bills for an entire calendar year
• you’re covered for all 12 months of that year
• you’re still covered the year after

The bonus is usually paid out in June or July. If you qualify for the bonus for five consecutive years, the cashback increases each year.

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<aside> <img src="/icons/light-bulb_gray.svg" alt="/icons/light-bulb_gray.svg" width="40px" /> Purely preventive treatments do not affect this bonus**.** Bills for preventative treatments are directly reimbursed.

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Doctors and pharmacy

Hospital

Nursing and palliative care

Pregnancy

Medical spa treatment

Travel coverage

Treatments and therapies

Vision

Dental

<aside> <img src="/icons/reorder_gray.svg" alt="/icons/reorder_gray.svg" width="40px" /> Documents

Premium plan.pdf

Preventive examinations.pdf

List of remedies.pdf

General terms and condtions.pdf

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