The private health insurance

Health insurance for officials

One point, in which differ legal and private health insurance clearly, are the achievements with a stationary stay. For legally patient-insured it is valid that first the physician decides, when a stationary treatment is necessary and usually makes the briefing into the appropriate hospital. When treating hospital are applicable only the mechanisms, which are attached to universities, which are enclosed into the requirements schedule of the countries or exist with those a supply contract. Besides legally insured ones, under the regulations of the social legislation, must take part, become at the costs of the stationary stay in the first 28 days in all rule in multi-bed rooms accommodated and have in principle no requirement on a treatment by leading personnel.

The service catalog of a private health insurance company becomes clearly more extensive in the comparison to it. To the rule achievements of the PKV belonged that the insurant does not only have free choice of doctor, but also the hospital or the hospital, in which he would like to be treated, freely to select it can. The accommodation usually takes place in an in or a two-bed room. With appropriate request beyond that in principle also a stationary stay is in a private hospital possible. Against the otherwise usual reimbursement of costs principle takes place the account with a hospital or a hospital stay in all rule directly between hospital and private health insurance company. For this the official “insurant” signs an appropriate declaration of acknowledgment of his requirements in favor of the hospital and does not have not into payment in advance to go.

The treatment contract between hospital and private health insurance company regulates and the insured achievements which can be furnished. Besides have privately insured: An official and independent one the possibility of extending the capacity by choice achievements. To it for example the treatment belongs exclusively by the head physician, whereby this achievement is accounted for again according to the reimbursement of costs principle. If this achievement is not a component of the insurance contract, however also members of a private health insurance company must bear the cost of this auxiliary service.

Back to the official loan

“Overview of all Landingpages