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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeAllianz combination with stable premiums for employees and benefits in the top group: reimbursement above the maximum rates of the fee schedule, dental cover at 100 percent and no deductible.
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The Allianz combination of GSB70, GSUB90, GSUB100 and GSZ100 is in our selection for employees because it combines two things that rarely come together: a benefit level in the top group and a reimbursement practice that leaves little room for dispute when you claim. The design is clever. The main plan GSB70 works with a percentage deductible, and the two top-up plans GSUB90 and GSUB100 remove it completely. The module GSZ100 takes care of dental cover at 100 percent. We rate the premium history of Allianz at 8 out of 10 points, which is more reliable than average. The starting premium is among the higher ones on the market. If you choose this combination, you pay for substance rather than a teaser price, and that is exactly why we recommend it in our advice whenever benefits come before price.
At Allianz the dental module is optional, and in our combination it is at the highest level: the GSZ100 reimburses dental treatment, dentures and implants including bone grafting at 100 percent, even above the maximum rates of the fee schedule for dentists.
Allianz adds extensive health services to the insurance cover, from help finding a specialist to digital offers. Health apps approved as medical devices are reimbursed at 100 percent, and with a prescription also beyond the statutory directory.
During parental allowance or parental leave, a premium exemption for up to six months is possible. Through the Kindernachversicherung KindernachversicherungAdding a newborn to a parent's private policy without health questions. The application must reach the insurer within two months of birth.More about Kindernachversicherung →, newborns are insured free of premium in the month of birth and the following six months, and for children up to twelve years the plan pays for a companion in hospital.
Five key figures from our plan analysis, each on a scale from 1 to 10. They are based on the plan terms, the premium histories and our experience from advisory practice.
How much the cover really pays in a serious case.
How reliably premiums have developed in the past.
How quickly and fairly bills are reimbursed.
Terms for children and co-insured family members.
10 means a comparatively low premium. Low values stand for a higher premium.
The core benefits from the plan terms, grouped by area. Open an area to see the details.
Outpatient care decides how freely you choose doctors in everyday life and how much of private doctors' fees is reimbursed. The most important line here is the fee schedule: the GSB70 also reimburses fees above the maximum rates of the GOÄ, and that is exactly where many specialists bill.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Also beyond the statutory programs, plus up to €400 per year for health courses
Reimbursed, without prior approval of benefits
Up to €2,000 per year according to the fee directory, naturopathic treatment at 100%
Prescribed products in full, non-prescribed up to €100 per year
Up to 130% of the maximum amounts of the federal allowance regulation for civil servants
Open catalog of medical aids, limits include €1,000 per wig and €3,000 per hearing aid
Up to €1,000 per 36 months for visual aids, surgical vision correction including Lasik
In hospital the difference between basic cover and premium cover is clearest. This combination fully covers the optional hospital services and even rewards you for not using them.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€70 per day if you do without a single or two-bed room, €40 if you do without a private doctor
Reimbursement, for general hospital services limited to 2.5 times regular hospital rates
Reimbursed, without prior approval
Treatment is reimbursed
To and from the hospital up to 100 km
Dentures are one of the most common reasons for a claim. The GSZ100 does without the usual percentage deduction. The only thing you need to know is the dental benefit limits, meaning the cap in the first years of insurance.
100%, including professional teeth cleaning, root canal and periodontal treatment
100%, including crowns, bridges, veneers
100%, including bone grafting
100% up to age 21, no age limit after an accident
Reimbursement also above the maximum rates
Maximum €1,000 in year 1, €2,500 up to year 2, €4,000 up to year 3, unlimited from year 4, no limit after an accident
This is the special feature of this combination: the main plan works with a percentage deductible, and the top-up plans reduce it step by step. In the full combination you pay no share of your own when you claim.
30% deductible, maximum €1,500 per year
Reduces the deductible to 10%, maximum €500 per year
The deductible no longer applies
If you take part in the prevention program, preventive care, vaccinations and health courses remain free of any deductible anyway
If you submit no bills, you get money back. Allianz combines a guaranteed lump sum with a performance-based refund, and preventive care does not count against you.
10% of the annual premiums after a claim-free year
1.2 monthly premiums after 1 year, 1.8 after 2 years, 2.4 after 3 claim-free years
4.2 monthly premiums after a claim-free year
Preventive checkups, vaccinations and health courses do not put the refund at risk if you take part in the program
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes.
Premium exemption for up to 6 months possible
Newborns free of premium in the month of birth and the following 6 months
Covered for children up to age 12
100% for organic infertility, with age limits and limits on the number of attempts
12 months outside Europe, medically necessary repatriation included
Health cures up to €3,000 once every 36 months, rehab up to 1.5 times the statutory health insurance rate
Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → is not part of this combination. As an employee you need it from the end of continued pay during illness, usually from the seventh week. We add the right daily rate in our advice.
All benefit details come from the insurer's plan terms and are summarized in simplified form. Only the insurance conditions are binding. In a consultation we check the details for your situation.
No plan is the right choice for everyone. This is what speaks for this combination, and this is what you should know.
Reimbursement also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care. In a serious case one of the most important differences between plans.
Dental benefits fully at 100%, including implants with bone grafting (9 out of 10 points for benefit coverage).
Fast and fair claims handling (9 out of 10 points) and a premium history that is more reliable than average (8 out of 10).
Outpatient and inpatient psychotherapy without prior approval of benefits, plus an open catalog of medical aids.
Guaranteed lump-sum payment of 10% of the annual premiums after just one claim-free year.
The premium is above the market average. If price is your main criterion, you will find cheaper combinations with leaner benefits.
The dental benefit limits cap dental benefits in the first three years at €1,000 to €4,000. If you plan larger dental work soon, you should factor this in.
The combination includes neither a simplified right to switch to higher-level plans nor an option right. The statutory right to change plan under § 204 VVG of course still applies.
Krankentagegeld must be added separately and belongs in every calculation for employees.
A strong plan only pays off if your application is accepted cleanly. If you have pre-existing conditions, we recommend an anonymous risk enquiry before you apply.
The combination suits employees above the JAEG JAEG · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG → who put benefits before price and see their health insurance as a long-term decision. It is also one of the stronger options in our selection for families, from the premium-free Kindernachversicherung to a companion in hospital.
It is less suitable if the monthly premium is the deciding criterion or if you only want basic cover at the level of statutory health insurance. For these cases we show you better alternatives from our comparison in our advice.
The GSB70 is the main plan for outpatient and inpatient benefits. It works with a deductible of 30%, which the two top-up plans GSUB90 and GSUB100 reduce to zero step by step. The GSZ100 takes care of dental cover at 100%. This modular logic makes the combination flexible: if you deliberately want to carry a deductible, you leave out a top-up plan and lower the premium.
Yes. As a privately insured employee you receive the employer contribution of half your premium, up to the statutory maximum. The contribution applies no matter which plan you choose.
Yes. Within Allianz you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves in full. However, the combination has no simplified right to switch to higher-level plans, so the benefit level should fit from the start.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Allianz's specific adjustments by year and plan in our overview of premium adjustments. If an increase is large, we check plan optimization with you.
The five key figures come from our ongoing plan analysis. They are based on the plan terms, the published premium histories and our experience with claims handling from advisory practice. The rating is our professional assessment, not a ranking by a testing institute.
From our vetted selection, rated on the same key figures.
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View plan →Get all your questions answered, free of charge and without obligation.
Personal advice from our specialists. Response time: under 24 hours.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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