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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeAllianz plan for doctors with free choice of doctor, reimbursement above the maximum rates of the fee schedule and a single or two-bed room, but without cover for alternative practitioners and with a deductible on medicines.
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The MB100/G is the Allianz plan for doctors, a single full plan that bundles outpatient, inpatient and dental benefits in one module. It is in our selection because it delivers cleanly where it matters: free choice of doctor without a primary doctor principle, reimbursement also above the maximum rates of the fee schedule and a single or two-bed room in hospital. We rate Allianz's claims handling at 9 out of 10 points as very reliable. You need to know two points before you sign. The plan does not reimburse alternative practitioners, and medicines and dressings carry a deductible of €800 per year. The starting premium is rather high compared with the market. If you accept these points consciously, you get a solid plan with strong claims handling.
For outpatient, inpatient and dental care, the MB100/G also pays above the maximum rates of the fee schedule. That is where the fees of many specialists and hospital doctors are, so for medical professionals this line is one of the most important differences between plans.
Health apps approved as medical devices are reimbursed at 100 percent with a prescription, also beyond the statutory directory. In addition, there are Allianz health services, from finding a specialist to digital advice.
Newborns are covered 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 →, a companion in hospital is covered for children up to their tenth birthday, and fertility treatment is paid at 100 percent for organic infertility.
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 and how much of private doctors' fees is reimbursed. The fee schedule matters here: the MB100/G also reimburses above the maximum rates of the GOÄ, where many specialists bill.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
According to the statutory programs without age limit, plus other medically necessary preventive care
100% for 30 sessions per insured event, then 70%, without prior approval
Not reimbursed
Reimbursement after deducting the deductible of €800 per year
Up to 130% of the maximum amounts of the federal allowance regulation for civil servants
Open catalog, limits include €600 per wig and €2,000 per hearing aid
Up to €400 per 24 months for visual aids, surgical vision correction including Lasik
In hospital the difference between basic and premium cover is clearest. The MB100/G covers the optional hospital services and pays a substitute daily allowance if you do without 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 times regular hospital rates
Reimbursed, without prior approval
Covered in hospital for children up to their 12th birthday
To and from the nearest suitable hospital, also by helicopter
Dentures are one of the most common reasons for a claim. The MB100/G reimburses dental treatment in full, while a percentage deduction applies to dentures. What you need to know are the dental benefit limits in the first years of insurance.
100%, including professional teeth cleaning, root canal and periodontal treatment
85%, including crowns, bridges, veneers
100%
85%, including bone grafting
85% up to age 21, no age limit after an accident
Reimbursement also above the maximum rates
Maximum €1,000 in year 1, €2,000 up to year 2, €3,000 up to year 3, €4,000 up to year 4, unlimited from year 5, no limit after an accident
The deductible in the MB100/G is built differently from many other plans. It does not affect all benefits, only medicines and dressings. Everything else is reimbursed without a fixed share of your own.
€800 deductible per calendar year, pro rata per month in the first year
Outpatient, inpatient and dental treatment without a fixed deductible
Same deductible on medicines and dressings
Your own share hits predictable medicine costs, not the large treatment bills
If you submit no bills, you get money back. In the MB100/G the refund is performance-based and staggered, and preventive care does not count against you.
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 up to age 21
Not included, a one-off €3,000 at care level 3
Lump sums for preventive checkups do not put the refund at risk
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes.
100% for organic infertility, with age limits and limits on the number of attempts
Newborns can be added later, children under 16 receive half the substitute daily allowance
12 months outside Europe, medically necessary repatriation included
Only follow-up rehabilitation after a hospital stay, other health cures are not reimbursed
No option for higher-level cover
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 plan. As an employed doctor you need it from the end of continued pay during illness, as a doctor in private practice from the first day of incapacity for work. 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.
Very reliable claims handling (9 out of 10 points) and an above-average premium history (7 out of 10).
Free choice of doctor without a primary doctor principle, outpatient and inpatient psychotherapy without prior approval.
Digital health applications at 100 percent, open catalog of medical aids.
Family modules from the Kindernachversicherung to a companion in hospital.
Alternative practitioners are not reimbursed. If you want to use naturopathy from alternative practitioners, you should factor this in.
Medicines and dressings carry a deductible of €800 per year.
The starting premium is rather high compared with the market (4 out of 10 points for premium level).
Dentures and implants are reimbursed at 85 percent, and the dental benefit limits cap the first four years. The plan includes neither a simplified right to switch nor an option right.
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 MB100/G suits doctors who value reliable claims handling and free choice of doctor and can live well with a deductible on medicines and without cover for alternative practitioners. Because it reimburses above the maximum rates, it fits well in an environment where doctors bill privately.
It is less suitable if alternative practitioners are important to you, if the monthly premium is the deciding criterion or if you want an option right for later career steps. For these cases we show you better alternatives from our comparison in our advice.
The plan is a full plan for medical professionals that bundles outpatient, inpatient and dental benefits in one module. It suits doctors who value reliable claims handling and billing above the maximum rates of the fee schedule. Whether the plan fits your situation, we clarify in the plan analysis.
The MB100/G deducts €800 per calendar year as a deductible on medicines and dressings. The other benefits are reimbursed without a fixed share of your own. This design lowers the premium and hits predictable medicine costs instead of the large treatment bills. We explain more under deductible.
As an employed hospital doctor you receive the employer contribution of half your premium, up to the statutory maximum. As a doctor in private practice you can deduct the premiums from tax instead.
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. The rating is our professional assessment, not a ranking by a testing institute.
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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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