Occupational health insurance for your employees

• Your occupational health insurance provides you with an annual budget of EUR 600. You can use this budget according to your own needs.
• If you do not submit any invoices for a complete calendar year, the budget will double from EUR 600 to EUR 1,200 the following year.
• Our innovation guarantee ensures that you can take advantage of the latest treatment methods directly when you need them.

Please remember to submit your consent to release from confidentiality and data processing when submitting your first invoice so that we can review your request as quickly as possible.

You have an extra budget equal to your regular budget on top. If your extra budget remains unaffected for one calendar year, it will also double.

• 75% reimbursement for spectacles and contact lenses
• 100% reimbursement for surgical visual acuity corrections

Please note that only amounts up to your maximum budget can be transferred.

• 100% cost coverage for prescribed medication, aids and medicines
• All co-payments pursuant to Section 61 SGB V

Please note that only amounts up to your maximum budget can be transferred.

• 100% reimbursement for treatments with an alternative medicine practitioner

Please note that only amounts up to your maximum budget can be transferred.

Inpatient benefits in the event of illness or after an accident.

• Treatment by attending doctor or doctor of choice in hospital
• Optional accommodation in a twin room.
• Daily hospital allowance as an alternative:

  • EUR 25 if the accommodation option is waived
  • EUR 25 if treatment by preferred/attending doctor option is waived
• Requested relocation and services
• Benefits for outpatient operations after advance payment by SHIⁱ
• Benefits for treatment in private clinics after advance payment by SHIⁱ
• Reimbursement also above the maximum rates of the German Scale of Medical Fees (GOÄ)
• Extra service patient companion: Individual care and support for complicated cases of illness

• Daily allowance for each day of hospitalisation, including the day of admission and discharge.
• Contribution to cover additional costs in hospital (e.g. statutory co-payment or accommodation in a single or double room).
• Ongoing and advised hospital stays from the start of insurance are also insured.
• Benefit subject to no time limit
• Free use of the daily allowance paid

• Supplement to the statutory sickness benefit from the 7th week of incapacity for work.
• Contribution to cover the net income gap occurring after an illness lasting longer than the continued remuneration period.
• Benefit also for reintegration measures.ⁱ

• Travel time up to 56 days.
• Outpatient/inpatient: 100% without excess, free choice of doctor.
• Teeth: pain-relieving measures, simple fillings, repairs of inlays and dentures – no excess.
• Medically necessary return transport without limitation and without deduction of the return travel costs, transfer or funeral abroad, 24-hour assistance, shipment of medication, transport costs for stored blood units.

• 100% for dental care (e.g. professional teeth cleaning)
• EUR 150 for bleaching within two consecutive calendar years
• 100% for dental treatment (e.g. fillings)
• 70% for denturesⁱ (e.g. implants)

• 100% reimbursement for enhanced cancer screening including cancer screening for women and men, bowel, bladder and skin cancer screening
• Cardiovascular screening incl. internal medicine check-up, cardiovascular check-up
• Pregnancy care incl. first trimester screening and enhanced ultrasound of the foetus
• Athletes' screening plan incl. treadmill analysis and lactate test.
• Supplementary medical check-ups, including glaucoma screening, pulmonary function test and osteoporosis check.
• Preventive healthcare worth around EUR 1,900ⁱ
• Benefits available to all ages

EUR 250 reimbursement per year for:

• Two certified health courses (certified in accordance with the German Social Code, Book Five (SGB V), Section 20) On topics such as stress management and relaxation, addiction prevention, and exercise and nutrition).
• Various protective and travel-related vaccinations (TBE, flu, hepatitis A and B, cholera, yellow fever, Japanese encephalitis, meningococci, rabies, typhoid fever, malaria prophylaxis)
• 100% reimbursement for a three-month telephone coaching course by a specialist in the event of mental stress.