Gothaer private health insurance »

Gothaer private health insurance »

Gothaer Private Health Insurance

With flexible tariffs from beginners to all-round protection, Gothaer private health insurance covers the range of offers for private health insurance in the health insurance segment.

The Gothaer PKV chooses the way over few basic rates, by individually agreed additional modules be extended to the desired health insurance coverage.

The comprehensive health insurance of Gothaer Krankenversicherung is available for:

  • Employees who exceed the annual income threshold with their income and are no longer compulsorily insured in a GKV;
  • self-employed
  • freelancer
  • Officials entitled to benefits

The basic fare is designed as a low-cost entry-level model, by which the insured persons agree on a private health insurance whose benefits are similar to the basic protection of the statutory health insurance. Depending on their economic motivation, these basic services are supplemented by optional modules to form a comprehensive private health insurance scheme.

Finally, comprehensive health insurance can be extended to additional areas that are not included in the general insurance cover. These additional agreements also provide persons with additional health care, which are otherwise compulsorily insured in a statutory health insurance.

Rates and benefits of Gothaer private health insurance

First, in the presentation of Gothaer private health insurance between the Tariffs and benefits of comprehensive health insurance and supplementary health insurance for private customers to distinguish.

The private health insurance offers:

  • Outpatient treatment costs General practitioner complete
  • Outpatient treatment costs Specialist completely
  • Partial reimbursement by naturopaths
  • Partial reimbursement for outpatient psychotherapeutic treatment
  • Partial reimbursement of remedies and dressings
  • Partial reimbursement of medicines and aids
  • Visual aids limited to 50 euros every three years

The inpatient treatment is completely taken over, whereby the accommodation is provided as in a public health insurance in a shared room. In the field of dental treatment, there is a restriction on dentures to a percentage that is reduced by 5% each for failing the annual check-up, to at least 50%.

The Gothaer private health insurance is able to offer you this basic rate by selecting a much larger all-in price plan in almost all areas full refund – but at least a higher performance – be supplemented. In addition there are other services for which optional tariff levels can be added. Essential in this is the performance of

  • Hospital Cash
  • Higher-quality accommodation during inpatient treatment
  • Higher performance in dentures

Gothaer private health insurance offers a varied range of benefits not only in the private insurance sector. The health insurance includes as well Supplementary health insurance for members of the GKV on. Who does not want to be satisfied with the limited benefits of a cash-patient, can make his care in the event of illness more comfortable and comprehensive. The available benefits of Gothaer private health insurance include:

Recommended and in the meantime also often necessary additional insurances for compulsory insured persons in a legal health insurance are the tariffs for the extension of the insurance protection with dental treatments and dentures. Also, the agreement of a reasonable Hospital care including hospital daily allowance and sickness allowance should always be checked.

The exact additional benefits result from the respective insurance conditions and depend on the agreements between the insured person and Gothaer private health insurance. It makes sense to have an individual needs analysis, according to which private health insurance coverage can be specifically optimized by Gothaer private health insurance.

Special features of Gothaer private health insurance

As the maintenance of health pays off in many ways for both the insured and the insured, Gothaer private health insurance offers several incentives to achieve this goal.

Thus belong to the contractual services of Gothaer private health insurance:

  • Premium refund guaranteed and success dependent
  • Selectable deductible
  • Family doctor bonus up to 250 euros annually

Anyone who decides on a private health insurance should, in addition, always pay attention to the contribution structure in the later insurance years. Gothaer private health insurance offers an optional agreement Contribution relief from the age of 67 on. Prerequisite is the corresponding tariff component, which subtracts an amount in the age by a favorable additional contribution in the younger insurance years. The actual amount of this discharge amount is agreed between the policy holder and Gothaer private health insurance with the other tariff features.

The Gothaer private health insurance in numbers

According to the annual report of Gothaer private health insurance In the 2013 financial year, the company generated premium income of around 820 million euros. Sales thus increased compared to the previous year, however, remained below the 1% mark, with this increase in sales mainly attributable to private supplementary health insurance.

With regard to the insured customers, a distinction must also be made between the contract partners in the area of ​​comprehensive health insurance and additional health insurance. In the year under review, more than 500,000 insured were part of the Gothaer Krankenversicherung portfolio. However, while the number of insured persons with comprehensive health insurance was declining, this decline was offset by the new contracts for additional health insurance for Gothaer private health insurance, which resulted in an increase in the total stock.

In addition to the expenditure for benefit cases, Gothaer private health insurance has an average cost ratio of 3% for administrative costs in the relevant financial year.

Worth knowing about Gothaer private health insurance

Gothaer Krankenversicherung AG is 100% owned by Gothaer Finanzholding AG. The Group consists of several companies, which include not only Gothaer private health insurance but also other Group companies domestically and also in other European countries such as Poland and Romania. The number of employees in 2013 was almost 6,000 employees, which are distributed among the Group companies.

The types of insurance offered by Gothaer private health insurance are:

  • Outpatient and inpatient single medical expenses insurance
  • Outpatient full medical expenses insurance
  • stationary medical expenses insurance
  • Daily benefits insurance
  • Hospital Cash Insurance
  • group health insurance
  • care insurance
  • Travel health insurance

The origins of the group go back to the year 1820, when the fire insurance bank for the German trading stand was founded by the merchants of the cities of Gotha, Langensalza, Eisenach and Erfurt. For the Gothaer private health insurance, however, rather the establishment of the Central-Sterbekasse Leo of the Catholic Workers Association in 1895 is decisive, which later became the Berlin-Kölnische Krankenversicherung and finally as Gothaer Krankenversicherung AG belongs to the Gothaer Group.

In addition to the Group’s own insurance, there are partnerships with Roland Rechtsschutzversicherung, Aachener Bausparkasse and CG Car-Garantie Versicherungs-AG, a special insurance company in 18 European countries and China.

Gotha tariffs overview

Contact and address

Basically, you should take into account when interested in a private car insurance that the tariffs and offers are numerous and different in scope. Collect information and conduct an insurance comparison without obligation. This is free and subjects not only the private health insurance Gothaer a test for a balanced price-performance ratio.

If you are already a contract customer of Gothaer private health insurance, you have usually received together with your insurance documents a list of the most favorable for you contact information. So unless you Have questions about your contract, a settlement with Gothaer private health insurance or your contribution statement, Contact your clerk directly.

You can also reach the Gothaer PKV online.

address:

Gothaer Krankenversicherung AG, Arnoldiplatz 1, 50969 Cologne

Phone:

0221 308 22222 or 0221 308 21900 (FAX)

(The contact details may differ depending on the type of request.) All information and data are correct as of 01.05.2015

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