Changes to the insurance conditions

Here you will find answers to your questions about the changes in conditions

What changes as of January 2027?

1. In health insurance
1.1 Psychotherapy practitioners 
Changes to the Psychotherapists Act and to the continuing professional education regulations of the state chamber of psychotherapists have led to a comprehensive reform of psychotherapist training. This has resulted in the creation of the new professional group of certified psychotherapists. The old and new professional titles will continue to exist side by side. We are adapting the terms and conditions to reflect these changes. In this way, we are maintaining the existing scope of benefits for psychotherapy.
 
1.2 Adjustments to the list of remedies 
Most comprehensive health insurance tariffs provide for maximum reimbursement amounts for remedies. We adjust these maximum amounts in the list of remedies to the increased price level. We also supplement and update individual items in the list of remedies. In this way, we maintain the value of the high-quality insurance cover.
 
1.3 Treatment of relatives

For greater transparency, the provision regarding the treatment of relatives is being moved from the supplementary terms and conditions to the tariff terms and conditions. This editorial change does not affect the scope of coverage.

2. Specific group insurance tariffs
2.1 Tariff ARL
The tariff ARL is adjusted regarding medically prescribed remedies and aids. Moreover, vaccinations that are already part of the insurance coverage pursuant to a separate agreement will also be incorporated in the terms and conditions for greater transparency.

2.2 Tarif bKV-K I
We are expanding the scope of coverage for the tariff bKV-K I. Going forward, out-patient surgeries and other procedures performed in a hospital that serve as alternatives to in-patient care including the associated pre- and post-operative examinations will also be covered. In addition, coverage applies to hospital treatments that were recommended or had already begun.

You can find the complete changes in this pdf. 

No, an objection is not possible. The changes are made on the basis of § 203 (3) of the Insurance Contract Act (VVG). The independent trustee has approved them. The regulations will thus become part of the contract on January 1, 2027, and are binding.


You are receiving the changes to the terms and conditions because you have insured at least one tariff for which the insurance terms and conditions are changing. We ask for your understanding that you will also receive information on tariffs that you have not insured. Unfortunately, it was not possible to compile an individual list of the tariffs actually insured.

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