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With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong cover for children with top values for scope of benefits and claims handling, worldwide cover and an unusually flexible option right.
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The Barmenia einsA expert+ is in our selection for children because it reaches two clear tens for scope of benefits and claims handling, and that is rare. For families this means cover that leaves little room for dispute in a serious case: psychotherapy at 100 percent without a session limit, alternative practitioners also beyond the fee directory, naturopathic treatment including Hufeland and one of the strongest health cure benefits in our selection. On top of that comes an unusually flexible option right that lets you adapt the cover to later stages of life, up to adding 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 → later. We rate the premium history at 6 out of 10 points, and the starting premium as well, which is the price of the high benefit level. If you deliberately put benefits and the quality of claims handling first for your child, this is one of the strongest options.
For scope of benefits and claims handling we give 10 out of 10 points each. In concrete terms this includes psychotherapy at 100 percent without a limit on the number of sessions, alternative practitioner benefits also beyond the maximum amounts of the fee directory and naturopathic treatment including Hufeland.
At the end of the third, fifth or seventh year of insurance you can switch to higher-level cover or a lower deductible without new health questions. Further options apply when the child completes training or studies and on a change of professional status, and if you wish also for Krankentagegeld later.
With 5 out of 5 rating points in the plan terms, the health cure benefit is one of the strongest in our selection, and recovery cures are supported with an additional €200 per day. Cover abroad applies worldwide and can be extended without time limit if the Pflegepflichtversicherung PflegepflichtversicherungCompulsory long-term care insurance. Everyone with health insurance in Germany must have it, privately insured people through their private insurer. is continued.
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 shows most clearly why the einsA expert+ has the top score for scope of benefits. Free choice of doctor, full psychotherapy and strong naturopathy shape the picture.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates of the GOÄ
100 percent without a limit on the number of sessions, without prior approval
According to the fee directory and Hufeland, also beyond the maximum amounts
100 percent, explicitly also according to Hufeland
Early detection and vaccinations covered, also for travel abroad, independent of the deductible
Physiotherapy and other remedies are reimbursed
Open catalog, 100 percent, orthopedic shoes up to €1,500 per year
Up to €600 per 2 years, laser correction up to €2,000 per eye
In hospital the plan covers the optional hospital services extensively and treats private clinics generously. For families, the admission of a companion is important.
Single or two-bed room
Private doctor treatment, GOÄ for inpatient care also above the maximum rates
Admission for children up to age 10
Treatment in private clinics is reimbursed
€50 if you do without the two-bed room, €50 if you do without the private doctor
Reimbursed, without prior approval
Inpatient transport costs are reimbursed
For dental care, the einsA expert+ combines full dental treatment with a high rate for dentures and orthodontics. You need to know the cumulative dental benefit limits of the first years.
100 percent, including professional teeth cleaning
90 percent, implants including bone grafting
100 percent
90 percent
Maximum €9,000 cumulative in years 1 to 3, no limit from year 4, no limit after an accident
Reimbursement also above the maximum rates
The einsA expert+ works with a moderate annual deductible that is halved for children. Preventive care and prophylaxis are excluded from it.
€330 per year for outpatient, inpatient and dental care, half up to the end of age 20
Preventive care, vaccinations, prophylaxis and professional teeth cleaning remain free of any deductible
Higher-level cover or a lower deductible at the end of the 3rd, 5th or 7th year of insurance without a risk assessment
Later start of Krankentagegeld possible when moving from studies into work
The einsA expert+ has no guaranteed lump sum, but there is a performance-based refund after claim-free years.
1.0 monthly premium after 1 year, 1.5 after 2 years, 2.0 after 3 claim-free years
Receive the same refund
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
The family modules of the einsA expert+ are broadly positioned, from worldwide cover to insuring a child alone at an early age.
Children can be insured alone from birth if there is no entitlement to statutory family insurance
Up to 6 months while receiving parental allowance
100 percent for organic infertility, with a chance of success of at least 15 percent
Worldwide, outside Europe initially one month, unlimited if the Pflegepflichtversicherung is continued
Follow-up rehabilitation and rehab, recovery cures with an additional €200 per day
As a plan for children, the einsA expert+ includes no Krankentagegeld , and for children that is the right design. The option right allows a later start when your child begins working, and we plan the premium development into adulthood 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.
Top score for scope of benefits and claims handling, 10 out of 10 points each, and this shows in a serious case.
Psychotherapy at 100 percent without a session limit and strong naturopathy including Hufeland.
Unusually flexible option right that can be adapted to training, work and later stages of life.
Strong health cure benefit and worldwide cover abroad that can be extended if long-term care insurance is continued.
The plan works with an annual deductible of €330, halved for children. If you want cover entirely without a share of your own, you will find alternatives in our selection.
We rate the premium history and the starting premium at 6 out of 10 points each. The high benefit level has its price.
There is no guaranteed lump-sum payment, the refund is purely performance-based.
The einsA expert+ has no simplified right to switch to higher-level plans. The statutory right to change plan of course still applies.
The einsA expert+ suits families who deliberately want to give their child the highest benefit level and particularly fair claims handling and accept a moderate deductible and a somewhat higher premium for it. If you want a lot of flexibility for later stages of life, you are also in good hands here.
The plan fits less well if the lowest premium or cover entirely without a share of your own is the priority. For these cases we show leaner alternatives from our comparison in our advice.
Children can be insured alone from birth if there is no entitlement to statutory family insurance. Otherwise, directly after birth, cover runs through the Kindernachversicherung of a privately insured parent, without any health questions.
The plan has an annual deductible of €330 for outpatient, inpatient and dental benefits. Up to the end of age 20, half applies. Preventive care, vaccinations and prophylaxis are excluded from it.
At the end of the third, fifth or seventh year of insurance you can switch to higher-level cover or a lower deductible without new health questions. Further options apply when the child completes training or studies and on a change of professional status. In addition, the statutory right to change plan under § 204 VVG applies.
The premium rises with the technical entry age. If an adjustment is large, we check plan optimization together, and you can find the specific premium adjustments at Barmenia 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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View plan →The SDK combination for children reviewed: benefits from the plan terms, our rating on five key figures and which families it 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.
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