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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
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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
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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 noticeStrong single plan for employees with reimbursement above the maximum rates of the fee schedule, no deductible and a guaranteed lump-sum payment after a claim-free year.
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The ARAG MB0 is in our selection for employees because it offers a high benefit level at a premium that remains reasonable on the market. For us it is a classic value-for-money candidate: we rate benefit coverage at 9 out of 10 points, and the premium level at 6 out of 10 is in the middle rather than at the top. Unlike many other providers, the design is kept simple. MB0 bundles outpatient, inpatient and dental benefits in a single plan, without a deductible and without top-up modules. For outpatient, inpatient and dental care the plan also reimburses above the maximum rates of the fee schedule, and that is exactly where many specialists bill. We name one thing openly: ARAG checks bills closely and ties several benefits to prior approval, which is reflected in our rating of claims handling at 6 out of 10 points. If you can put this into context, MB0 gives you a solid plan with a guaranteed lump-sum payment and a guaranteed right to change the deductible.
MB0 combines a high benefit level with a premium in the middle range. For outpatient, inpatient and dental care the plan also reimburses above the maximum rates of the fee schedule, plus an open catalog of medical aids and alternative practitioner treatment up to €2,000 per year.
ARAG is known as a careful checker. Several benefits require prior approval, for example medical aids from €1,000 of bills, home nursing care, fertility treatment and inpatient treatment in mixed-type clinics. This secures premium stability but requires care when you claim, and we classify it at 6 out of 10 points for claims handling.
Because all benefits are in one plan, the structure stays clear. A guaranteed right to change the deductible without a new risk assessment and an option right for higher-level cover in the sixth year of insurance keep the plan adaptable.
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 most important line here is the fee schedule: MB0 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 for programs not introduced by law without age limit, plus up to €200 per year for at most two prevention courses
Reimbursed, including products for artificial nutrition
Reimbursed, including postnatal recovery exercise
Open catalog, 100%, from €1,000 of bills with prior approval, otherwise 80% for the standard version
Up to €2,000 per year according to the maximum amounts of the GebüH, naturopathic treatment at 100%
Up to €600 per 24 months for visual aids, up to €4,000 per 60 months for surgical vision correction including Lasik
100% without a limit on the number of sessions, without prior approval
In hospital the difference between basic cover and premium cover is clearest. MB0 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
€50 per day if you do without a single or two-bed room, €50 if you do without private doctor treatment, half the rate for children and young people up to the year of their 20th birthday
Treatment in private clinics is reimbursed
Reimbursed, without prior approval
Treatment after prior approval, without approval in emergencies and acute illness
To and from the hospital up to 100 km
Dentures are one of the most common reasons for a claim. MB0 reimburses treatment and inlays in full, while dentures, implants and orthodontics leave a share of your own. What you need to know are the dental benefit limits in the first years.
100%, including root canal and periodontal treatment, prophylaxis and professional teeth cleaning
90%, including crowns, bridges, facings and onlays
100%
90%, including bone grafting
90%
Reimbursement also above the maximum rates, treatment and cost plan not required
Maximum €1,000 in year 1, €2,000 in year 2, €3,000 in year 3, no limit from year 4, no limit after an accident
This shows how tightly or flexibly a plan binds you. MB0 does without a deductible and at the same time gives you clear ways to adjust the cover later.
No deductible in the plan
Guaranteed right to change the deductible without a new risk assessment, waiting periods apply to the additional benefits if you reduce it
Switch to higher-level cover possible on January 1 of the 6th year of insurance
After a reduction for parental leave, back to the original cover within 2 months
If you submit no bills, you get money back. MB0 combines a guaranteed lump sum with a performance-based refund, and preventive care does not count against you.
€900 after a claim-free calendar year, pro rata if the policy starts during the year, half the amount for children and young people up to the year of their 20th birthday
2 monthly premiums after a claim-free year, children and young people receive the same refund
No claims in the entire plan in the past calendar year
Preventive checkups, vaccinations, prophylaxis and professional teeth cleaning 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. Here MB0 is broadly positioned.
Premium exemption for the first 6 months while receiving parental allowance or during parental leave
Children can be insured alone from the age of 36 months if the children's checkups are documented
Covered for children up to age 12
100% after prior approval for organic infertility, with age limits and limits on the number of attempts
3 months outside Europe for a temporary stay, medically necessary repatriation included
Follow-up rehabilitation for the first 21 days, other health cures €50 per day for at most 28 days after 2 years of insurance
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 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.
High benefit coverage (9 out of 10 points) in a single plan, outpatient, inpatient and dental without top-up modules.
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.
Very family-friendly (9 out of 10 points): premium exemption during parental leave, insuring a child alone from the age of 36 months, a companion in hospital up to age 12 and fertility treatment at 100%.
Premium history more reliable than average (8 out of 10 points), supported by ARAG's close checking of bills.
No deductible, a guaranteed lump-sum payment of €900 after a claim-free year and a guaranteed right to change the deductible without a new risk assessment.
Alternative practitioners up to €2,000 per year and psychotherapy at 100% without a limit on the number of sessions.
ARAG checks bills closely and ties several benefits to prior approval, for example medical aids from €1,000, home nursing care and fertility treatment. That is why we rate claims handling at only 6 out of 10 points. If you proceed carefully when you claim, you will manage well.
For dentures, implants and orthodontics a share of 10% remains yours, and the dental benefit limits cap dental benefits in the first three years at €1,000 to €3,000. If you plan larger dental work soon, you should factor this in.
Visual aids are rather tightly limited at €600 per 24 months.
Krankentagegeld is not included and must be added separately, and for employees it belongs in every calculation.
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.
MB0 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 a high benefit level without a deductible and do not want to pay a top price for it. The plan is also one of the stronger options in our selection for families, from the premium exemption during parental leave to a companion in hospital.
The plan is less suitable if you want as few follow-up questions and approvals as possible when you claim, or expect dentures without any share of your own. For these cases we show you better alternatives from our comparison in our advice.
Yes. MB0 bundles outpatient, inpatient and dental benefits in a single plan, without a deductible and without additional top-up modules. However, Krankentagegeld is not included and is added separately for employees. Whether the plan fits your needs, we clarify in the plan analysis.
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. MB0 includes a guaranteed right to change the deductible without a new risk assessment, plus an option right for higher-level cover in the sixth year of insurance. In addition, the statutory right to change plan under § 204 VVG applies, and you keep your ageing reserves.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find ARAG'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.
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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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