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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong combination for employees with a single room, private doctor and reimbursement above the maximum rates in hospital and at the dentist, built on an outpatient plan with a capped deductible.
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The combination of GesundVario400, VarioKlinik+ and VarioZahn+ from Bayerische Beamtenkrankenkasse is in our selection for employees because it combines a high benefit level with very reliable claims handling, which we rate at 9 out of 10 points. The outpatient plan GesundVario400 is the main plan and works with a deductible of 20 percent, capped at €400 per calendar year and applying only to outpatient benefits. This cap of €400 is exactly what the number in the name stands for. The top-up plan VarioKlinik+ raises inpatient cover to a single room and private doctor treatment, including reimbursement above the maximum rates of the GOÄ. VarioZahn+ raises dentures to 90 percent and closes the gap to the basic plan. We rate benefit coverage at 9 out of 10 points. For premium stability we give 6 out of 10 points, a middle value that we name openly. How the premium develops in the long term is best seen in the premium history, which we document in our overview of premium adjustments.
Through the two top-up plans the combination reaches the top of the fee schedule. For inpatient care VarioKlinik+ also pays above the maximum rates of the GOÄ, at the dentist VarioZahn+ goes beyond the maximum rates of the GOZ, and there is a single room and private doctor treatment in hospital.
We rate claims handling at 9 out of 10 points. Outpatient and inpatient psychotherapy are reimbursed at 100 percent without prior approval of benefits, the catalog of medical aids is open and covers hearing aids up to €2,000 per ear.
The outpatient plan offers an option right that lets you adjust the deductible on life events such as marriage, divorce, birth or a change of status between employment and self-employment, plus the option for the Vario supplementary plans.
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 free choice of doctor in everyday life and how much of private doctors' fees comes back to you. Here the outpatient plan GesundVario400 provides the benefit, and we explain its deductible further down in a separate section.
Free choice of doctor, no primary doctor principle
Reimbursement up to the maximum rates, meaning up to 3.5 times the rate for medical, 2.5 times for technical and 1.3 times for laboratory services
100% for statutory programs without age limit and intervals plus further checkups, independent of the deductible
Reimbursed, including dietary foods and consumables for serious illness
Up to 130% of the maximum amounts of the federal allowance regulation for civil servants, including osteopathy as well as pregnancy and postnatal recovery exercise
Open catalog at 100%, hearing aids up to €2,000 per ear, digital health applications with a prescription at 100%
According to the GebüH or the Hufeland directory up to its maximum amounts, naturopathic treatment at 100%
Up to €500 per 2 calendar years for glasses and contact lenses, surgical vision correction including Lasik up to €1,500 per eye
100% without a limit on the number of sessions and without prior approval
In hospital the top-up plan VarioKlinik+ shows its effect. Without it the basic plan would stay at a multi-bed room and standard services, with it the optional hospital services are fully covered.
Single room through VarioKlinik+ as the difference to the multi-bed room of the basic plan
Private doctor treatment through VarioKlinik+, standard and affiliated doctor services in the basic plan
Through VarioKlinik+ also above the maximum rates of the GOÄ
€50 per day if you do without a single and two-bed room, €20 if you do without a single room, €50 if you do without a private doctor, the same for children
Treatment in private clinics is reimbursed
100% without prior approval
Treatment is reimbursed
Trips to and from the nearest suitable doctor or hospital
Dentures are one of the most common reasons for a claim. Here the basic plan pays 70 percent, and the top-up plan VarioZahn+ raises reimbursement to 90 percent. What you need to know are the dental benefit limits in the first years.
100%, including professional teeth cleaning, root canal and periodontal treatment
90% in the combination, 70% in the basic plan, VarioZahn+ raises it to 90%
100%
90% in the combination, including bone grafting
100% up to age 20, no age limit after an accident, through VarioZahn+ also KIG 1 to 5
In the basic plan up to the maximum rates, through VarioZahn+ also above them including the missing share
Dentures up to €6,000 in calendar years 1 to 3, no limit from year 4, no limit after an accident
The deductible is the special feature of this design. It sits only in the outpatient plan, and the two top-up plans for hospital and dental care carry no share of your own.
20% deductible, at most €400 per calendar year, only on outpatient benefits
Preventive checkups and vaccinations remain independent of the deductible
Half deductible up to the start of the calendar year in which the insured person turns 19, pro rata per month in the first year
No deductible of their own
Change of the deductible level within the same plan possible on certain life events
If you submit no bills, you get money back from the outpatient plan. The refund is purely performance-based, and there is no guaranteed lump sum.
€1,100 after a claim-free year in the plan GesundVario400
€350 after a claim-free year
No claims in the entire plan, pro rata if the policy starts during the year
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
Not included
VarioKlinik+ and VarioZahn+ pay no no-claims refund
The points beyond the core benefits often decide about everyday life, especially when your life situation changes.
Premium exemption while receiving parental allowance for up to 6 months
Children can be insured alone from birth if at least one parent has private full cover and the last two children's checkups are documented
Covered for children up to age 12
100% after prior approval for organic infertility, women up to 43 and men up to 50 years, up to 3 attempts each
Outside Europe up to 12 months with a right to extension, repatriation including a companion
Inpatient health cures, follow-up rehabilitation and rehab up to 130% of the maximum amounts of the federal allowance regulation for civil servants, plus outpatient health cures
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, which only insures medical costs and the Pflegepflichtversicherung PflegepflichtversicherungCompulsory long-term care insurance. Everyone with health insurance in Germany must have it, privately insured people through their private insurer.. As an employee you need Krankentagegeld 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.
High benefit coverage (9 out of 10 points) with a single room, private doctor treatment and reimbursement above the maximum rates of the GOÄ in hospital.
Fast and reliable claims handling (9 out of 10 points), outpatient and inpatient psychotherapy at 100 percent without prior approval.
Dentures and implants at 90 percent including bone grafting, dental treatment and inlays at 100 percent, at the dentist also above the maximum rates of the GOZ.
Flexible option right on the deductible and the Vario supplementary plans on life events such as marriage, birth or a change of status.
Cover outside Europe up to 12 months with a right to extension and repatriation including a companion.
No-claims refund of €1,100 after a claim-free year, without preventive care and prophylaxis putting the refund at risk.
We rate premium stability at 6 out of 10 points, a middle value. How the premium develops is best checked in our overview of premium adjustments at Bayerische Beamtenkrankenkasse.
The dental benefit limits cap dentures in the first three calendar years at €6,000. A waiver through a findings report is not possible, so if you plan larger dental work soon, you should factor this in.
There is no simplified right to switch to higher-level plans, and for the top-up plans VarioKlinik+ and VarioZahn+ no option for higher-level cover either. The statutory right to change plan under § 204 VVG still applies.
Krankentagegeld is not included and must be added separately for employees.
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 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 high benefit level and accept a manageable deductible of at most €400 a year that applies only to outpatient benefits. It is also a sound choice for families, from insuring a child alone from birth to a companion in hospital.
It is less suitable if you want no share of your own at all when you are ill or if only the premium decides. For these cases we show you better alternatives from our comparison in our advice.
GesundVario400 is the outpatient plan and covers outpatient benefits with a deductible of 20 percent, capped at €400 a year. VarioKlinik+ raises hospital cover to a single room, private doctor and reimbursement above the maximum rates. VarioZahn+ raises dentures from 70 to 90 percent. Only together do the three modules give the full scope of benefits.
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 outpatient plan offers an option right that lets you adjust the deductible level on life events such as marriage, divorce, birth or a switch between employment and self-employment. Regardless of this, you can switch to similar plans using the right to change plan under § 204 VVG, 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 the specific adjustments at Bayerische Beamtenkrankenkasse 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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