For your child - private health insurance, hansemerkur

Private health insurance: very good care for small patients

As a parent, you want your youngest to be in good hands at all times, and this is especially true when it comes to health. Even if all parents wish that their children never get sick, everyone knows that it will not be prevented. Infection in kindergarten or an unfavorable fall while romping can happen every day. So that your child receives the best possible medical care, HanseMerkur offers one full private health insurance for children on.

Children have different needs than adults, which is why good insurance for children has to meet special requirements. Not only do you need medical treatment, you also want to have trusted people at your side, If you have to go to hospital or for a cure. With private health insurance secure these and other benefits for your child that are above the level of the statutory funds and help your child to recover quickly.

Focus Money also helped HanseMerkur "very good" as one of the fairest regulator in the area of private health insurers, which gives you a Top providers in health insurance.

* So far below-average contribution increase and high membership growth

Comprehensive child health benefits

It is a trend that applies not only to the medical treatment of adults, but also to children: the benefits of statutory health insurance are being reduced further and further. Insurance based on the principle of solidarity cannot counter rising healthcare costs without cutting benefits. But especially for the children, parents want extensive care if they lack something.

With private full health insurance for your child, you can be guaranteed the best medical care and additional benefits. In addition to outpatient treatment by a doctor, there are also costs for Naturopathy 100% refundable. HanseMerkur also assumes the expenses for examinations and treatments at the dentist Completely. If an emergency occurs and your child has to go to the hospital, you have the option of choosing the doctor and clinic you trust. It also includes the cost of accommodation in one Single or twin room borne by HanseMerkur. So that your offspring don’t have to be alone, accompany your child up to and including the age of 14; this is also covered in the insurance.

As additional service you will receive 25 euros for each day your child is in the hospital. This compensates for additional expenses for trips or telephone calls. Or just a new comic so it doesn’t get boring. If, in the worst case, your child needs permanent care, this situation can also be covered in advance with an additional benefit. Then at HanseMerkur the private health insurance for children bears the costs for outpatient and inpatient care without proof of costs. For every case there is the appropriate protection so that the health of the child is always in the foreground.

Private health insurance for children

Services & reimbursements	Kids Fit Up to 19 years without deductible
Free choice of doctor and hospital

In order to offer your child the best possible treatment, you can choose in which hospital and from which doctor (e.g. chief physician / specialist) your child should be helped.

Free choice of doctor and hospital

In order to offer your child the best possible treatment, you can choose in which hospital and from which doctor (e.g. chief physician / specialist) your child should be helped.

Single or twin room

Costs for better accommodation in a single or double room and additional costs for special meals are covered 100%.

Single or twin room

Costs for better accommodation in a single or double room and additional costs for special meals are covered 100%.

Accompaniment in the hospital

You can accompany your child in the hospital up to the age of 14. HanseMerkur assumes the costs for accommodation and meals for one parent.

Accompaniment in the hospital

You can accompany your child in the hospital up to the age of 14. HanseMerkur assumes the costs for accommodation and meals for one parent.

checkups

Additional preventive examinations for the early detection of diseases are covered.

drugs

100% of the medication is taken over insofar as it is prescribed in writing.

Remedies (e.g. occupational therapy)

Remedies include e.g. Occupational therapy, physiotherapy and speech therapy.

Remedies (e.g. occupational therapy)

Remedies include e.g. Occupational therapy, physiotherapy and speech therapy.

medical treatments

The treatment costs at your doctor or pediatrician are covered 100%. This also includes counseling, X-ray diagnostics and therapy, outpatient operations as well as medical fees and outpatient treatments in the hospital.

Naturopath / naturopathy

Payment of alternative treatment methods (e.g. homeopathic medicine).

dental treatments

Costs for dental fillings and dental care are covered. Dental care includes e.g. B. professional tooth cleaning with tartar removal and the establishment of an oral hygiene status.

orthodontics psychotherapy

90% of the psychotherapy costs are reimbursed, up to a maximum of 50 sessions per calendar year.

Max. 50 sessions a year

Monthly fee for children from 0 to 14 years

154.30 EUR

Monthly contribution for children from 15 to 19 years

EUR 161.72

If your child has to go to a cure, you can of course accompany them. HanseMerkur assumes the costs for treatments, stay and meals.

care insurance

If your child needs permanent care, the costs for outpatient and inpatient care will be reimbursed without proof of costs.

Hospital Cash

For additional expenses in the hospital, we pay a daily hospital allowance of 25 euros. This is freely available to you and can e.g. B. used for travel expenses or books.

Up to the age of 19 without deductible

In order to offer your child the best possible treatment, you can choose in which hospital and from which doctor (e.g. chief physician / specialist) your child should be helped.

Free choice of doctor and hospital

Costs for better accommodation in a single or double room and additional costs for special meals are covered 100%.

Single or twin room

You can accompany your child in the hospital up to the age of 14. HanseMerkur assumes the costs for accommodation and meals for one parent.

Accompaniment in the hospital

Additional preventive examinations for the early detection of diseases are covered.

100% of the medication is taken over insofar as it is prescribed in writing.

Remedies include e.g. Occupational therapy, physiotherapy and speech therapy.

Remedies (e.g. occupational therapy)

Payment of alternative treatment methods (e.g. homeopathic medicine).

Costs for dental fillings and dental care are covered. Dental care includes e.g. B. professional tooth cleaning with tartar removal and the establishment of an oral hygiene status.

90% of the psychotherapy costs are reimbursed, up to a maximum of 50 sessions per calendar year.

Max. 50 sessions a year

Monthly fee for children from 0 to 14 years

154.30 EUR

Monthly contribution for children from 15 to 19 years

EUR 161.72

If your child has to go to a cure, you can of course accompany them. HanseMerkur assumes the costs for treatments, stay and meals.

If your child needs permanent care, the costs for outpatient and inpatient care will be reimbursed without proof of costs.

For additional expenses in the hospital, we pay a daily hospital allowance of 25 euros. This is freely available to you and can e.g. B. used for travel expenses or books.

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ask & Answers to private health insurance for children

You should get information about your child’s health insurance before giving birth or adopting. Depending on how you are insured yourself, the question of statutory or private health insurance will decide.

If both parents are privately insured, membership of the statutory health insurance is not an option for the child. It will then also be privately insured. If one parent is legally insured and the other is privately insured, you can choose whether your child should be insured privately or legally. Non-contributory family insurance is only possible for your offspring if the legally insured parent earns more than the partner. If it is the other way round and the income is above the annual salary limit, then a contribution for the child must be paid into the statutory insurance.

In the event that both parents are legally insured, the child can also be insured in the family insurance free of charge.

If both parents are legally insured, the child is automatically also legally insured with the parents.

You can also insure your child privately from birth. If you have been privately insured with HanseMerkur for at least 3 months, the health check is not necessary. This also applies if your child is born with an illness. Then there are no service exclusions or risk premiums. In addition, there are no waiting times until services can be used. Your offspring is fully covered from day one. It is important that you apply for your child’s private health insurance within 2 months of the birth. The insurance cover then applies retrospectively since the day of birth.

Tip: It is best to request the documents before the due date. This way, you have these at hand and can fill them in when you come home with your child. Your child is insured up to the age of 19 without a deductible. The monthly contributions are 146.87 euros up to the age of 14 and 150.63 euros from 15 to 19 years.

To your child a private You do not have to be privately insured to enable health insurance. In this case, you normally apply for the child’s admission to private health insurance. If the health check is positive, you will receive a confirmation of admission from HanseMerkur. This means that you can take out private insurance for your youngest family member and take advantage of the numerous benefits offered by the tariff especially for children. This is the best way to promote your child’s health.

If the little ones are not doing well, every concerned parent suffers. It is part of being a child, however, that the little ones get infected in kindergarten or get injured while playing. No matter how lightly your child got away or how serious the situation is, your child should get well as quickly and as well as possible.

In contrast to the statutory health insurance, with private insurance you are entitled to a whole range of benefits that have a positive effect on the recovery of the youngest family members. Be it accompaniment to the hospital or gentle treatment by a naturopath, you can enable your child with private insurance. Likewise, orthodontic treatments are an otherwise costly but inevitable measure most teenagers face. With private health insurance for children, you can secure your child in the best possible way for every situation.

By taking out private health insurance for your child, you secure a comprehensive service package that covers different areas. This includes, for example, the following services:

Outpatient treatment at your doctor or pediatrician is covered 100%.
If you would like to use naturopathy for your child, this can be done on the basis of the Hufeland list of services. Any costs incurred for treatments by a naturopath or a naturopathic doctor are reimbursed 100% by HanseMerkur.
Likewise, the costs for all examinations and treatments at the dentist (dental treatment and dental care) are borne 100%.
If orthodontist treatments are necessary, 80% of them are worn.
Your child is entitled to treatment from the chief doctor or a specialist. For this, choose the doctor and the hospital. The costs for operations, visits and special services are covered 100%.
If your offspring is to be accommodated in a single or double room and there may be additional costs for special meals, HanseMerkur bears the costs 100%.
Use so-called rooming-in: you accompany your child to the hospital. The subsistence costs up to and including the age of 14 of your child will be covered.

You can also do the following additional services apply:

Spa stays: Your child has to go to the spa and you want to accompany him? We pay you a daily allowance in the agreed amount, e.g. B. for the cost of accommodation and meals.
Permanent care: In the worst case, your child needs permanent care. HanseMerkur bears the costs for outpatient and inpatient care without proof of costs.
Hospital Cash: You will receive 25 euros a day for additional expenses such as your travel expenses or your child’s phone calls to friends or relatives. However, the daily allowance is not earmarked: it can also be used as a distraction for a book or comic.