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For employeesPrivate or statutoryRequirements for employeesJahresarbeitsentgeltgrenze (JAEG)Career startersCosts
Costs for employeesEmployer contributionBeitragsbemessungsgrenze (BBG)Statutory maximum contributionOld age for employeesWorking part timeGetting started
For the self-employedPrivate or statutory when self-employedRequirements for the self-employedBest plans for the self-employedSwitching to private health insuranceIs private health insurance worth itCosts and protection
Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employedWhich plan fits your self-employment?
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For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
Family and private health insuranceAdvice for familiesChildren in private health insuranceSpousesEmployer contributionWhat does private health insurance cost for your family?
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Health questionsDuty of disclosureRelease from confidentialityDuty to report later changesBreach of obligationsPre-existing conditions
With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
Anonymous risk enquiryApplicationAcceptance of the applicationApplication rejectedObligation to accept and BasistarifUnsure because of a pre-existing condition?
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PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
Premium increasesPremium stabilityPremiums in old ageAgeing reservesSpecial right of cancellationBenefits and contract
BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeLong-established combination for employees with strong claims handling, reimbursement above the maximum rates of the fee schedule and dental treatment at 100 percent.
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For employees, Alte Oldenburger combines four modules into full cover. The outpatient plan A90/100 is the basis and works with a deductible of 10 percent, capped at €165 a year and applying only to outpatient benefits. In hospital the K20 provides a two-bed room and private doctor treatment, and the add-on module K/S raises this to a single room. The Z100/80 takes care of dental cover with 100 percent for dental treatment and 80 percent for dentures. The plan is in our selection above all because of its strong claims handling, which we rate at 9 out of 10 points. Alte Oldenburger has been on the market for many years, the plan has found its market price and is calculated stably, which shows in solid premium stability of 7 out of 10 points. The starting premium is in the middle range, and we rate the premium level at 5 out of 10 points. If you value reliable reimbursement and want cover with sober calculation, this is a solid choice for employees.
The claims practice is the reason this plan is in our selection, and we rate it at 9 out of 10 points. The plan terms themselves back this up: reimbursement also above the maximum rates of the fee schedule and inpatient psychotherapy even without prior approval of benefits.
Alte Oldenburger has insured this module for many years, the plan has found its market price and is calculated stably. This is reflected in premium stability of 7 out of 10 points and a premium in the middle of the market.
For outpatient and inpatient care the plan reimburses doctors' fees also above the maximum rates of the GOÄ. At the dentist it pays up to 3.5 times the GOZ rate, and this is exactly where many specialists bill.
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 your free choice of doctor and how much of private doctors' fees comes back to you. The fee schedule matters here, because the A90/100 also reimburses fees above the maximum rates of the GOÄ.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
€160 per checkup, above that one third, not counted against the deductible
Prescribed products reimbursed, also nutritional and fortifying products for life-sustaining measures
Physiotherapy, massages, occupational therapy, speech therapy, podiatry and other treatments reimbursed
Open catalog of medical aids, 100%, including dialysis machines and guide dogs for the blind
According to the fee directory for alternative practitioners up to its maximum amounts
Up to €160 per calendar year, above that 33%, Lasik surgery reimbursed
Licensed doctors without a limit on sessions after prior approval, five trial sessions without approval
In hospital two modules work together. The K20 secures the two-bed room and the private doctor, and the K/S adds the difference to a single room.
K20 two-bed room, the module K/S raises this to a single room
K20 private doctor treatment, GOÄ also above the maximum rates
K20 €16 if you do without the two-bed room and €32 if you do without the private doctor, K/S €16 if you do without separate accommodation
K20, general hospital services up to 1 times the costs of a hospital under the KHEntgG
Reimbursed, without prior approval
After prior approval, also without approval in emergencies and for follow-up rehabilitation
K20 to and from the nearest suitable hospital, also by helicopter
The Z100/80 pays dental treatment in full and dentures at 80 percent. What you need to know are the dental benefit limits, meaning the cap in the first years of insurance.
100%, including prophylaxis, professional teeth cleaning, root canal and periodontal treatment
80%, including crowns, bridges, facings, veneers and onlays
100%
80%, including bone grafting
80%
Up to the maximum rates, meaning up to 3.5 times the GOZ rate
Maximum €1,000 in year 1, €1,500 up to year 2, €2,000 up to year 3, no limit from year 4, no limit after an accident
Required for dentures and orthodontics, otherwise reimbursement only at 60%
The special feature of the combination is that the deductible applies only to the outpatient plan A90/100. In hospital and at the dentist you pay no share of your own.
10%, maximum €165 per year, only on outpatient benefits
No deductible
Not counted against the deductible
No deductible
No deductible
Maximum amount pro rata per month
If you submit no bills, you get money back. The performance-based refund applies only to the outpatient plan A90/100, and preventive checkups do not count against you.
2 monthly premiums
3 monthly premiums
4 monthly premiums
No claims in all medical cost plans
Medical and dental preventive checkups do not put the refund at risk
No no-claims refund
Not included
The points beyond the core benefits often decide about everyday life, especially when your life situation changes.
100%
Children can be insured alone from age 6 in A90/100, K20 and Z100/80, not in K/S
Covered for children through the K20
Outside Europe up to 3 months, longer stays only by special agreement
Not reimbursed
Inpatient health cures not reimbursed, rehab reimbursed if no statutory body pays
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.
Strong and reliable claims handling, our highest key figure at 9 out of 10 points.
Reimbursement also above the maximum rates of the GOÄ for outpatient and inpatient care, at the dentist up to 3.5 times the GOZ rate.
Dental treatment and inlays at 100%, dentures and implants at 80% including bone grafting (8 out of 10 points for benefit coverage).
On the market for many years and calculated stably, premium stability 7 out of 10 with a premium in the middle of the market (premium level 5 out of 10).
Fertility treatment at 100% and an open catalog of medical aids including dialysis machines and guide dogs for the blind.
The dental benefit limits cap dentures, inlays and orthodontics in the first three years at €1,000 to €2,000. If you plan larger dental work soon, you should factor this in.
The plan includes no option right for higher-level cover and no simplified right to change plan. The statutory right to change plan under § 204 VVG of course still applies.
Repatriation from abroad is not reimbursed, and worldwide cover outside Europe is limited to 3 months. For longer trips, additional cover makes sense.
Preventive checkups are limited to €160 per checkup and visual aids to €160 per calendar year, with partial reimbursement above that.
Krankentagegeld is not included and belongs in every calculation for employees. 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 want cover with sober calculation and reliable claims handling and value a good balance of benefits and premium. It is also the right place if free choice of doctor and reimbursement above the maximum rates of the fee schedule are important to you.
It is less suitable if dentures at 100 percent, an option right for higher-level cover or worldwide repatriation are among your most important criteria. For these cases we show you better alternatives from our comparison in our advice.
The A90/100 is the outpatient plan and the basis, and it also carries the deductible and the no-claims refund. In hospital the K20 secures the two-bed room and the private doctor, and the K/S raises this to a single room. The Z100/80 takes care of dental cover. We show you this modular logic in detail in the plan analysis from advisory practice.
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.
Within Alte Oldenburger you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. However, this plan has neither a simplified right to switch to higher-level plans nor an option right, 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. This plan has been on the market for many years and is calculated stably, and we explain separately what matters for premium stability. 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.
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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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