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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeAXA combination for doctors with stable premiums, a single or two-bed room, reimbursement above the maximum rates of the fee schedule and an option right linked to specialist qualification and setting up in private practice.
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The AXA combination of VA6-U and Premium Zahn-U is in our selection for medical professionals because it combines a well-rounded range of benefits with one of the more attractive premium levels in the doctors' segment. The VA6-U, which covers outpatient and inpatient care, provides free choice of doctor, reimbursement above the maximum rates of the fee schedule and a single or two-bed room. The module Premium Zahn-U takes care of dental cover and can be added or left out deliberately. The two key figures for price and stability are at 7 and 8 out of 10 points. The strongest point for doctors is the option right: it can be used, among other occasions, on gaining a specialist qualification, on appointment as senior or chief physician and when setting up in private practice, and it adapts the cover to your career without new health questions.
The VA6-U grants an option right for higher-level cover linked to typical stages of a doctor's career: specialist qualification, appointment as senior or chief physician, setting up in private practice, marriage or the birth of a child. This lets you expand the cover later without new health questions.
Dental cover is set up as the separate module Premium Zahn-U. It reimburses dental treatment at 100 percent and dentures at 90 percent and can be added or left out to match your dental situation, without touching the basic cover.
We rate AXA at 8 and 7 out of 10 points for premium stability and premium level. In addition to the performance-based refund, there is a behavior bonus for not smoking, a healthy body mass index and fitness.
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 VA6-U also reimburses above the maximum rates of the GOÄ and covers alternative practitioners through the GebüH.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
According to the statutory programs without age limit, without affecting the refund
100% for 30 sessions per insured event, then 80%, without prior approval
Up to €2,000 per year according to the fee directory for alternative practitioners
Reimbursed, including products for artificial nutrition
Up to the maximum amounts of the insurer's price and benefit directory
Open catalog, limits include €520 per wig and €1,450 per hearing aid per ear
Depending on the visual impairment up to €300 to €1,000 per 24 months, Lasik included
In hospital the VA6-U covers the optional hospital services. Unlike some plans, the substitute daily allowance for doing without them is deliberately lower here.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€30 per day if you do without a single or two-bed room
Reimbursement, for general hospital services limited to 1.5 times regular hospital rates
Reimbursed, without prior approval
Covered for children up to age 5 for at most 5 days
To and from the nearest suitable hospital
The separate module Premium Zahn-U takes care of dental cover. It reimburses dental treatment in full, while a moderate percentage deduction applies to dentures. What you need to know are the dental benefit limits of the first years.
100%, including professional teeth cleaning, root canal and periodontal treatment
90%, including crowns, bridges, veneers
90%
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
For doctors, what matters is how the cover can be adapted to later career steps. This is exactly where the VA6-U sets its strongest accent.
Specialist qualification, appointment as senior or chief physician, setting up in private practice, marriage, posting abroad
Within 3 months after birth or adoption
On January 1 of the 6th year of insurance for first-time insured people
Expansion of cover without new health questions, no simplified right to change plan
If you submit no bills, you get money back. AXA combines a fixed refund with a behavior bonus, and preventive care does not count against you.
€1,200 after each of the first four claim-free years, €1,500 from the fifth year
€25 non-smoker bonus, €25 for a healthy body mass index, €50 fitness bonus per year
No refund is paid for Premium Zahn-U
Preventive checkups and vaccinations 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.
100% for organic infertility, with age limits and limits on the number of attempts
For the first 6 months while receiving parental allowance
Young people can be insured alone from age 16
In the EU and the EEA without a fixed limit, outside 6 months, transfer of remains up to €5,200
Only follow-up rehabilitation after a hospital stay, other health cures are not reimbursed
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 employed doctor you need it from the end of continued pay during illness, as a doctor in private practice from the first day of incapacity for work. 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.
Option right linked to specialist qualification, a senior or chief physician post and setting up in private practice, which expands the cover without new health questions.
Attractive premium level (7 out of 10) with stable calculation (8 out of 10).
Reimbursement also above the maximum rates of the fee schedule, for outpatient and inpatient care.
Flexibly selectable dental module with 100 percent for treatment and 90 percent for dentures.
Behavior bonus for not smoking, a healthy body mass index and fitness.
The substitute daily allowance for doing without the optional hospital services is low at €30 per day.
No no-claims refund is paid for the dental module, and the dental benefit limits cap the first four years.
The combination has no simplified right to change plan, only the option right for higher-level cover.
Krankentagegeld must be added separately and belongs in every calculation for doctors.
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.
The combination suits doctors who start early in their career and want to keep the possibility of expanding their cover on gaining a specialist qualification or setting up in private practice without new health questions. If you look for a balanced ratio of benefits and premium, this is also a solid choice.
It is less suitable if a high substitute daily allowance for doing without the optional hospital services is important or if the maximum scope of benefits comes before price. For these cases we show you better alternatives from our comparison in our advice.
The option right of the VA6-U can be used, among other occasions, on gaining a specialist qualification, on appointment as senior or chief physician, on setting up in private practice, on marriage or the birth of a child. You can then expand the cover without new health questions. This is an advantage especially during specialist training, because your needs change with your career. Whether the plan fits your career path, we clarify in the plan analysis.
Yes. Dental cover is the separate module Premium Zahn-U and can be chosen to match your own dental situation. It reimburses dental treatment at 100 percent and dentures at 90 percent. Dental benefit limits apply in the first four years, which we explain to you in our advice.
As an employed hospital doctor you receive the employer contribution of half your premium, up to the statutory maximum. As a doctor in private practice you can deduct the premiums from tax instead.
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. 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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