Premium private health plan

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.
You only get this bonus if you pay your insurance via direct debit and on time. If you pay manually, it won’t apply. </aside>

<aside> <img src="/icons/warning_gray.svg" alt="/icons/warning_gray.svg" width="40px" /> Plans with a fixed annual deductible do not include cashback benefits.

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<aside> <img src="/icons/light-bulb_gray.svg" alt="/icons/light-bulb_gray.svg" width="40px" /> Good to know: Using your guaranteed cashback to cover bills doesn't count as making a claim. Your no-claim bonus is only at risk if your bills exceed your cashback balance and the remainder is paid out in cash.

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

your submitted claims do not go over you annual guaranteed cashback amount
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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<aside> <img src="/icons/warning_gray.svg" alt="/icons/warning_gray.svg" width="40px" /> Your no-claims bonus depends on your plan. If you're on a plan with a €0 deductible, you receive €300 in your first year of no claims, increasing by €100 per year, up to €800 from year 6 onwards.

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