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 noticeThe strongest plan for doctors in our selection, with a single room, alternative practitioner cover above the fee directory and no dental benefit limits, in return for a deductible and a higher premium.
4,96 · 235 reviews Featured in leading trade media
The Barmenia VHV1+ is the plan for doctors with the highest benefit level in our selection. For benefit coverage and claims handling we give the full score of 10 out of 10. The plan provides a single room, reimbursement above the maximum rates of the fee schedule, alternative practitioner benefits also above the fee directory and dental cover with no dental benefit limits at all. Health cures are also unusually well covered. The price for this level is clearly stated: the premium is at the upper end (3 out of 10 points), and there is a deductible of €330 per year on outpatient, inpatient and dental benefits. If you want the best range of benefits and consciously carry the higher premium, this is one of the strongest options for medical professionals.
We rate benefit coverage and claims handling at 10 out of 10 points each. The single room, reimbursement above the maximum rates of the fee schedule and full reimbursement for medical aids and private clinics make the VHV1+ the strongest plan for doctors in our selection.
Dental cover has no cap on amounts in the first years. Dental treatment and inlays are reimbursed at 100 percent, dentures, implants with bone grafting and orthodontics at 85 percent. If you need larger dental work early on, you are fully covered without waiting years.
Naturopathic treatment by alternative practitioners is reimbursed also beyond the maximum amounts of the fee directory. For doctors who also rely on naturopathy, this is an advantage you rarely find.
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 VHV1+ reimburses above the maximum rates of the GOÄ and covers alternative practitioners particularly broadly.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Early detection without affecting the refund and independent of the deductible
85% without a limit on the number of sessions, without prior approval
Naturopathic treatment also beyond the maximum amounts of the fee directory
Reimbursed, including medicine-like nutritional products for serious illnesses
Reimbursed without being tied to the federal allowance regulation for civil servants
Open catalog, 100%, orthopedic shoes up to €1,500 per year
Up to €400 per 2 years, from 8 diopters up to €600, Lasik up to €2,000 per eye
In hospital the VHV1+ shows its premium level. It secures a single room, private doctor and private clinic without the usual limits based on hospital rates.
Single room
Private doctor treatment, GOÄ also above the maximum rates
€50 per day if you do without the single or two-bed room, €25 each if you do without the single room or private doctor
Reimbursed, without a limit to a multiple of hospital rates
Reimbursed, without prior approval
Covered in hospital for children up to age 10
To and from the hospital are reimbursed
Dentures are one of the most common reasons for a claim. The special feature of the VHV1+ is the absence of dental benefit limits, so dental cover is available in full from the start.
100%, including professional teeth cleaning, root canal and periodontal treatment
85%, including crowns, bridges, veneers
100%
85%, including bone grafting
85%
Reimbursement also above the maximum rates
No dental benefit limits, dental cover is available in full without waiting years
Unlike many premium plans, the VHV1+ works with a fixed deductible. It is the price for the benefit level being at the top level throughout.
€330 per calendar year on outpatient, inpatient and dental benefits
Preventive care, vaccinations, prophylaxis and professional teeth cleaning without deductible
Same deductible
Deductible pro rata per month
If you submit no bills, you get money back. In the VHV1+ the refund is performance-based and staggered and deliberately moderate, because the benefit level comes first.
1.0 monthly premium after 1 year, 1.5 after 2 years, 2.0 after 3 claim-free years
Receive the same refund
Not included
Preventive care, vaccinations and prophylaxis 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. The VHV1+ is also strong on health cures and the option right.
100% for organic infertility, with a chance of success of at least 15 percent
Children can be insured alone from birth if there is no family insurance
Outside Europe 3 months, unlimited in time if long-term care insurance is continued
Recovery and other health cures as well as follow-up rehabilitation, plus €200 per day for 4 weeks
For higher-level cover, a lower deductible and 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 →
Krankentagegeld is not part of the plan but can be added through the option right. 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.
Highest benefit level in our selection for doctors, with the full score for benefit coverage and claims handling.
Single room, private doctor and private clinic without a limit to a multiple of hospital rates.
Dental cover without any dental benefit limits, plus alternative practitioners above the fee directory.
Very strong health cure benefits including recovery and other health cures.
Option right for higher-level cover, a lower deductible and Krankentagegeld .
The premium is at the upper end of the market (3 out of 10 points for premium level).
There is a deductible of €330 per year on outpatient, inpatient and dental benefits.
At 1.0 to 2.0 monthly premiums, the no-claims refund is moderate.
The plan has no simplified right to change plan, only the option right for higher-level cover.
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 VHV1+ suits doctors who want the best possible range of benefits and consciously carry the higher premium and the deductible. If you value a single room, dental cover without waiting years and strong naturopathy, this is the right place.
It is less suitable if the monthly premium is the priority or if you do not want a deductible. For these cases we show you cheaper alternatives with leaner benefits from our comparison in our advice.
Our key figures for benefit coverage and claims handling are at 10 out of 10 points each, because the plan leaves hardly any gaps in its benefits. The deductible of €330 per year and the higher premium are the conscious price for this. Whether this balance suits you, we clarify in the plan analysis.
Many plans cap dental benefits in the first years at fixed amounts. The VHV1+ does not have these dental benefit limits. Dental cover is therefore available in full from the start, which matters above all if larger dental work is due early on.
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 Barmenia'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.
From our vetted selection, rated on the same key figures.
The SDK combination for doctors reviewed: benefits from the plan terms, our rating on five key figures and who the plan suits.
View plan →The AXA combination for doctors with a career option right reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →The Inter doctors' plan JABest reviewed: benefits from the plan terms, our rating on five key figures and who the plan 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.
