Getting started
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?
Start the free analysis →Getting started
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?
Start the family check →Health questions
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?
Start the anonymous check →Lower your premium
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 plan for students (benefit coverage 9 out of 10) with free choice of doctor without a primary doctor principle, a single or two-bed room and private doctor, in return for a deductible of €300 a year on outpatient, inpatient and dental benefits.
4,96 · 235 reviews Featured in leading trade media
ME300S is a strong ARAG plan for students and is in our selection for its high scope of benefits with free choice of doctor. As a student you can take out private insurance if you are not compulsorily insured in a statutory health insurance fund, for example after an exemption from compulsory insurance at the start of your studies or when compulsory student insurance ends. The plan has no primary doctor principle, you choose doctors freely and receive a single or two-bed room and private doctor treatment in hospital. That is why we rate benefit coverage at 9 out of 10 points. In return the premium is in the middle range, which we classify at 6 out of 10 points. We also rate claims handling at 6 out of 10 points, because ARAG tends to check bills closely. The option right is important: if your eligibility for insurance as a student ends, you can switch to higher-level cover with 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 →.
ME300S has no primary doctor principle, you choose doctors freely and receive a single or two-bed room and private doctor treatment in hospital. For inpatient care the GOÄ is also reimbursed above the maximum rates, and private clinics are included without special restrictions. We rate the scope of benefits at 9 out of 10 points.
The plan includes a guaranteed right to change the deductible within the product line without a new risk assessment. This lets you adapt the cover to your situation later, and if you reduce the deductible, waiting periods apply to the additional benefits.
Preventive checkups are reimbursed also for programs not introduced by law and without age limits, plus vaccinations without restriction. Preventive care, prophylaxis and professional teeth cleaning stay independent of the deductible and do not affect the no-claims refund.
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 choice of doctor in everyday life. ME300S has no primary doctor principle, you choose freely and the treatment is reimbursed within the plan's limits. We explain the annual deductible further down in its own section.
Free choice of doctor without a primary doctor principle, outpatient medical treatment is reimbursed
Up to 3.5 times the rate for medical services, 2.5 times for technical and 1.3 times for laboratory services
Reimbursed, including products for artificial nutrition
Up to €2,500 of bills per calendar year at 80 percent, above that at 100 percent, postnatal recovery exercise at 100 percent
Open catalog, 100 percent, from €1,000 of bills with prior approval, otherwise 80 percent for the standard version, including dialysis machines
Treatment by alternative practitioners up to €1,000 per calendar year, up to the maximum amounts of the GebüH
100 percent for methods proven in practice
80 percent for 30 sessions per calendar year, then 100 percent, without prior approval
Preventive checkups also for programs not introduced by law without age limits, vaccinations not limited to statutory programs
Up to €300 for glasses and contact lenses per 24 months, up to €2,000 for surgical vision correction per 60 months
In hospital the plan relies on high-quality optional services, a single or two-bed room and private doctor treatment.
Single or two-bed room
Private doctor treatment
Also above the maximum rates of the GOÄ
€50 per day if you do without the single or two-bed room, €50 if you do without private doctor treatment
Treatment in private clinics is reimbursed, without special restrictions
Reimbursed, without prior approval
Reimbursed, as is treatment before and after a hospital stay
Trips to and from the hospital up to 100 kilometers, at least to the nearest suitable hospital
Dental treatment is covered at 100 percent, dentures at 80 percent. What you need to know are the dental benefit limits and the deductible of the plan.
100 percent, including composite fillings, root canal and periodontal treatment, prophylaxis and professional teeth cleaning
80 percent, including crowns, bridges, facings and onlays, note the dental benefit limits
100 percent, note the dental benefit limits
80 percent, including bone grafting, note the dental benefit limits
80 percent, note the dental benefit limits
For dental treatment, dentures and orthodontics up to €1,000 in the 1st, €2,000 in the 2nd, €3,000 in the 3rd calendar year, no limit from year 4, no limit after an accident, no waiver through a findings report
Up to 3.5 times the GOZ rate, 2.5 times for technical and 1.3 times for laboratory services
As a plan for students, ME300S works with an annual deductible and an age-related premium jump. You should factor in both from the start.
€300 per calendar year on outpatient, inpatient and dental benefits, pro rata per month in the first calendar year
Preventive checkups, vaccinations, prophylaxis and professional teeth cleaning remain independent of the deductible
The plan for students is linked to the young entry age, and the premium rises when you reach an age band
We classify the premium in the middle range at 6 out of 10 points
ME300S rewards claim-free years twice, with a performance-based refund and a guaranteed lump-sum payment.
Two monthly premiums after a claim-free calendar year, pro rata if the policy starts during the year
€150 for a claim-free calendar year, pro rata per month if the policy starts during the year
Preventive checkups, vaccinations, prophylaxis and professional teeth cleaning do not affect the refund
The points beyond the core benefits often decide about everyday life, especially for the path after your studies.
Guaranteed right to change the deductible within the product line without a risk assessment, waiting periods apply to the additional benefits if you reduce it
Option for higher-level cover on January 1 of the 6th year of insurance and for Krankentagegeld if your eligibility for insurance ends, within 2 months
For the first 6 months while receiving parental allowance or during parental leave, under the conditions of the plan
Worldwide for a temporary stay outside Europe up to 3 months, longer if the return trip would endanger your health
Medically sensible repatriation to a suitable hospital, transfer of remains up to €10,000
Follow-up rehabilitation as well as health cures and rehab measures according to the time limits of the plan
Children cannot take out the plan, it is designed for students
Krankentagegeld is usually not needed during your studies, because there is no earned income to protect. For the time afterwards, the option right for higher-level cover with Krankentagegeld applies.
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.
Free choice of doctor without a primary doctor principle, you choose doctors yourself and need no prior approval for a specialist.
High scope of benefits (9 out of 10 points) with a single or two-bed room, private doctor treatment and GOÄ for inpatient care also above the maximum rates.
Strong preventive care, also for programs not introduced by law and without age limits, independent of the deductible and the no-claims refund.
Simplified right to choose a plan, a guaranteed change of the deductible without a new risk assessment.
Claim-free years are rewarded twice, with a refund of two monthly premiums and a guaranteed lump-sum payment of €150.
There is a deductible of €300 per calendar year on outpatient, inpatient and dental benefits, plus an age-related premium jump with the next age band.
Dentures are reimbursed at 80 percent and capped in the first three years by dental benefit limits of 1,000, 2,000 and €3,000.
Alternative practitioner benefits are limited to €1,000 per calendar year, and the premium is in the middle range at 6 out of 10 points.
We rate claims handling at 6 out of 10 points, because ARAG tends to check bills closely. You should submit receipts cleanly and completely.
The exemption from compulsory statutory insurance as a student cannot be revoked for the duration of your studies. We check this step carefully in advance.
ME300S suits students who want strong cover with free choice of doctor, value a single or two-bed room and private doctor treatment and accept a medium premium and an annual deductible of €300 for it.
It is less suitable if you are looking for the cheapest plan for students or expect very generous checking of bills. For these cases we show you better plans for students in our advice.
If you are not compulsorily insured in a statutory health insurance fund. This is the case if you are exempted from compulsory insurance at the start of your studies or if compulsory student insurance ends. The exemption applies for your entire studies and cannot be withdrawn, so we check it carefully beforehand in our advice for students.
No. The plan has no primary doctor principle and offers free choice of doctor. You can go directly to a specialist without prior approval, and the treatment is reimbursed within the plan's limits. This sets ME300S apart from cheaper plans with controlled access, which we compare in our comparison of private health insurance.
€300 per calendar year on outpatient, inpatient and dental benefits, pro rata per month in the first year. Preventive care, vaccinations, prophylaxis and professional teeth cleaning are not affected. Through the guaranteed right to choose a plan, you can adjust the deductible later without a risk assessment, more on this under right to change plan.
If your eligibility for insurance as a student ends, you have an option for higher-level cover and Krankentagegeld within two months. This secures a low entry age early, and you can expand the cover later. Krankentagegeld is usually not needed yet during your studies.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. In addition, the plan for students rises when you reach an age band. We keep putting the premium adjustments at ARAG into context and check plan optimization if increases are large.
From our vetted selection, rated on the same key figures.
The SdK student plan reviewed: benefits from the plan terms, our rating on five key figures and who the plan for students suits.
View plan →The Signal Iduna student plan R-Exklusiv reviewed: benefits from the plan terms, our rating on five key figures and who the strong plan for students suits.
View plan →The Hanse Merkur combination for students reviewed: benefits from the plan terms, our rating on five key figures and who the plan with a primary doctor principle and cancer screening suits.
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.
Please choose a day
Loading free appointments
The confirmation is on its way to your inbox.
