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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeCompact private cover for children without a deductible, with extensive vaccinations and preventive care and an option right for higher cover later.
4,96 · 235 reviews Featured in leading trade media
The ARAG ME0 is in our selection for children because it bundles solid all-round private cover in a single module and does without a deductible. For families this is pleasantly simple: outpatient treatment, hospital and dental care are in one plan, there is no share of your own and no primary doctor principle. The plan is strong on preventive care and vaccinations. Vaccinations are reimbursed without being limited to the statutory programs, including travel vaccinations, and dental prophylaxis does not count against the no-claims refund. We rate ARAG's premium history at 8 out of 10 points, and the starting premium is in the low range of our selection. For claims handling we see 6 out of 10 points, because ARAG checks more closely than other companies. If you want uncomplicated, affordable private cover for your child and want to keep the option of a higher benefit level open, the ME0 is a convincing basis.
Vaccinations are reimbursed without being limited to the statutory programs, explicitly also as travel vaccinations. Preventive checkups are covered without age limits and fixed intervals, and preventive care, vaccinations and professional teeth cleaning do not reduce the no-claims refund.
The ME0 covers outpatient care, hospital stays and dental benefits in one module, without any deductible. This makes cover for children clear and claims simple, because there is no share of your own to settle.
On January 1 of the sixth year of insurance there is an option right for higher-level cover. In addition, the deductible can be adjusted within the product line at any time without new health questions, and a return to the original cover after parental leave is guaranteed.
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 everyday life with your child, from free choice of doctor to reimbursement for naturopathic treatment. Here the ME0 relies on free choice of doctor without a primary doctor principle and broad cover for the most important benefits.
Free choice of doctor, no primary doctor principle
Reimbursement up to the maximum rates of the GOÄ
Preventive care without age limits, vaccinations not limited to statutory programs, also for travel abroad
Reimbursed, including products for artificial nutrition
80 percent up to €2,500 of bills per year, above that 100 percent
Open catalog, 100 percent, from €1,000 with prior approval
Up to €1,000 per year according to the fee directory
80 percent for 30 sessions per year, then 100 percent, without prior approval
Up to €300 per 24 months, surgical vision correction up to €2,000 per 60 months
In hospital, what matters most for families is that a parent can stay with the child and that the optional hospital services are covered. The ME0 includes a single or two-bed room, private doctor and admission of a companion.
Single or two-bed room
Private doctor treatment, GOÄ for inpatient care also above the maximum rates
Admission for children up to age 12
Treatment in private clinics is reimbursed
€50 if you do without the two-bed room, €50 if you do without the private doctor, pro rata for children
Reimbursed, without prior approval
To and from the hospital up to 100 kilometers
For children, dental care is about prophylaxis early on and often about orthodontics later. The ME0 reimburses dental treatment in full, while a partial rate applies to dentures and orthodontics, plus the dental benefit limits in the first years.
100 percent, including professional teeth cleaning, root canal and periodontal treatment
80 percent, implants including bone grafting
100 percent
80 percent
At most €1,000 in year 1, €2,000 in year 2 and €3,000 in year 3, no limit from year 4, no limit after an accident
Reimbursement up to the maximum rates
The ME0 is deliberately lean. A single outpatient plan covers full private cover, and unlike many plans for adults there is no share of your own.
No deductible in the entire plan
One module for outpatient, inpatient and dental benefits
Guaranteed change of the deductible within the product line without a risk assessment
Higher-level cover on January 1 of the 6th year of insurance
If you submit no bills, you get money back. In the ME0 the refund is kept lean, but preventive care and prophylaxis do not harm it.
€600 after a claim-free calendar year, half for children up to 20 years
2 monthly premiums after a claim-free year, children receive the same refund
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
Around the core benefits, the family modules decide how comfortable everyday life is, especially in a plan for children.
Children can be insured alone from the age of 36 months if the children's checkups are documented
Possible for the first 6 months while receiving parental allowance or during parental leave
100 percent for organic infertility, with age limits and limits on the number of attempts
Outside Europe up to 3 months, repatriation included
Follow-up rehabilitation and rehab covered, other health cures at €30 per day
As a pure plan for children, the ME0 includes no 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 →, and for children that is the right design. When moving into adulthood the premium rises according to the technical entry age, and we plan for this 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.
Full private cover in one module and without any deductible, which makes cover for children simple and claims uncomplicated.
Vaccinations not limited to statutory programs, explicitly including travel vaccinations, plus preventive care without age limits.
Low starting premium and a premium history more reliable than average at 8 out of 10 points.
Option right for higher cover in the 6th year of insurance and a guaranteed change of the deductible without new health questions.
Dentures, implants and orthodontics are reimbursed at 80 percent, not in full. If you want the maximum for teeth, you will find higher rates in our selection.
The dental benefit limits cap dental benefits in the first three years at 1,000 to €3,000. If larger treatment is due early, you should plan for it.
For claims handling we see 6 out of 10 points. ARAG checks more closely than some companies, especially for alternative practitioner and medical aid bills.
Alternative practitioner benefits are limited to €1,000 per year, which is solid but not a top value.
The ME0 suits families who want to give their child affordable and clear private cover without working through a modular kit of several plans. If you value extensive preventive care and vaccinations and want to keep the door open to a higher benefit level, you are in good hands here.
The plan fits less well if the highest dental and benefit level is needed from the start or if particularly accommodating claims handling is the priority. For these cases we show stronger alternatives from our comparison in our advice.
Children can be insured alone from the age of 36 months if the required children's checkups are documented. Directly after birth, cover usually runs through the Kindernachversicherung of a privately insured parent, without any health questions.
The ME0 does completely without a deductible. For children a share of your own rarely pays off, because the premiums are low anyway. What matters more is that preventive care and treatment are reimbursed without billing hurdles.
Yes. On January 1 of the sixth year of insurance there is an option right for higher-level cover. Regardless of this, the statutory right to change plan under § 204 VVG applies, and the ageing reserves are kept.
The premium rises with the technical entry age, for example in the teenage years and in young adulthood. This is common in private health insurance. If an adjustment is large, we check plan optimization together, and you can find the specific premium adjustments at ARAG in our overview.
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.
From our vetted selection, rated on the same key figures.
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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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