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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong AXA combination for employees with reimbursement above the maximum rates of the fee schedule, a flexibly selectable deductible and a separate dental module.
4,96 · 235 reviews Featured in leading trade media
The AXA combination of GesundExtra and Premium Zahn-U is in our selection for employees because it combines a broad range of benefits with unusual flexibility. The cover consists of two modules. GesundExtra covers outpatient and inpatient care, and Premium Zahn-U adds dental benefits as a separate dental module. Both also reimburse above the maximum rates of the fee schedule, and that is exactly where many specialists bill. A special feature is the right to change the deductible within the same plan on January 1 of each year, without having to renegotiate the scope of benefits. We rate benefit coverage at 8 out of 10 points and claims handling also at 8 out of 10. The premium is in the upper middle range, so we give 4 out of 10 points for the premium level. If you choose this combination, you pay for a solid package of benefits with room to move on the deductible.
The amount of the deductible can be adjusted within the same plan on January 1 of each year, without the scope of benefits being checked again. This lets you adapt your share to your life situation instead of committing once. The sample cover includes no deductible.
Premium Zahn-U is a separate dental module that you choose independently of the main cover. It reimburses dental treatment at 100 percent and dentures, inlays and implants including bone grafting at 90 percent, and also pays above the maximum rates of the fee schedule for dentists.
For a claim-free calendar year, GesundExtra pays a guaranteed lump sum of €900, pro rata per month if the policy starts during the year. Preventive checkups, vaccinations and prevention courses do not put this entitlement at risk.
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 in everyday life and how much of private doctors' fees is reimbursed. The most important line here is the fee schedule: GesundExtra also reimburses fees above the maximum rates of the GOÄ.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Telephone and video consultations with doctors at 100%
Statutory programs without age limit and further checkups according to a list, plus up to €300 per year for prevention courses
Prescribed products in full, non-prescribed up to €120 per year
Up to 130% of the maximum amounts of the federal allowance regulation for civil servants, plus osteopathy by a doctor or alternative practitioner
Open catalog at 100%, with individual limits such as €2,000 per wig, €2,000 per hearing aid per ear and €3,000 per electronic reading device
100% up to €2,000 per year according to the GebüH or the Hufeland directory, excluding psychotherapy
Up to €600 per 2 calendar years for visual aids, up to €5,000 per 5 calendar years for surgical vision correction including Lasik
100% without a limit on the number of sessions, no prior approval needed
In hospital the difference between basic cover and premium cover is clearest. This combination covers a single room and private doctor and also reimburses above the maximum rates of the GOÄ for inpatient care.
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 a private doctor, half the rate for partial inpatient care
Reimbursement, for general hospital services limited to 2.5 times regular hospital rates
Reimbursed at 100%, without prior approval
Reimbursement after prior approval, without approval in emergencies, for surgery or if it is the only hospital in the area
To and from the nearest suitable hospital, transfer over 50 km once per insured event
Dentures are one of the most common reasons for a claim. Premium Zahn-U draws a clear line here: dental treatment in full, dentures and implants at 90 percent. What you need to know are the dental benefit limits, meaning the cap in the first years of insurance.
100%, including professional teeth cleaning, root canal and periodontal treatment, note the dental benefit limits
90%, including crowns, bridges, veneers, material and laboratory costs according to the directory
90%, including bone grafting
100% up to age 18, then 90%
Reimbursement also above the maximum rates
Maximum €2,000 in year 1, €4,000 up to year 2, €6,000 up to year 3, €8,000 up to year 4, unlimited from year 5, no limit after an accident
This is the special feature of this combination: the deductible is not fixed but can be adjusted during the contract. The sample cover includes no share of your own.
No deductible included
Adjustment within the same plan on January 1 of each year, without new health questions, application required in advance
Option for higher-level insurance cover on certain occasions such as marriage, birth or starting a career
Not included, the statutory right to switch under § 204 VVG still applies
If you submit no bills, you get money back. GesundExtra 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
€1,200 after 1 to 4 claim-free years, €1,500 from year 5
Preventive care, vaccinations and prevention courses do not put the lump sum and refund at risk
No no-claims refund is paid for Premium Zahn-U
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes.
Premium exemption for the first 6 months while receiving parental allowance
Young people can be insured alone from age 16
Covered for children up to age 16
Household help up to €100 per day for up to 28 days, childcare up to €100 per day for up to 10 days a year
100% for organic infertility, with age limits and limits on the number of attempts
Worldwide up to 6 months per stay, plus 2 months if the return trip is not reasonable, medically necessary repatriation included
Inpatient health cures up to €50 per day for 28 days every 3 calendar years, other rehab up to 1.5 times the rate of the statutory body
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.
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.
The deductible can be changed on January 1 of each year, without new health questions. This gives you room to move over the term of the contract.
Broad range of benefits with 8 out of 10 points for benefit coverage and fast claims handling at 8 out of 10 points.
Strong family benefits (8 out of 10 points): companion up to age 16, fertility treatment at 100%, household help and childcare.
Guaranteed lump-sum payment of €900 after just one claim-free calendar year, plus alternative practitioners up to €2,000 and psychotherapy without prior approval.
Dentures, inlays and implants are reimbursed at 90%, not at 100%. For larger dental work a share of your own remains.
The dental benefit limits cap dental benefits in the first four years at €2,000 to €8,000. If you plan larger dental work soon, you should factor this in.
The combination has no simplified right to change plan. The statutory right to switch under § 204 VVG of course still applies.
Krankentagegeld must be added separately and belongs in every calculation for employees.
The premium is in the upper middle range (4 out of 10 points for premium level). 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 a broad package of benefits and value room to move on the deductible. It is also a good choice for families, from the covered companion to fertility treatment.
It is less suitable if the monthly premium is the deciding criterion or if dentures should be reimbursed at 100 percent instead of 90 percent. For these cases we show you better alternatives from our comparison in our advice.
GesundExtra is the main cover for outpatient and inpatient benefits. Premium Zahn-U is added as a separate dental module and covers dental treatment, dentures and orthodontics. Both modules can be looked at independently, so dental cover can be planned in a targeted way.
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. The amount of the deductible can be adjusted within the same plan on January 1 of each year, without new health questions, and an application in advance is required. For switching to other plans, the right to change plan under § 204 VVG also 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 AXA'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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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.
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