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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeContinentale plan for students with free choice of doctor without a primary doctor principle, a two-bed room and private doctor treatment through the module AZ SP2 and a high no-claims refund, in return for a deductible of €20 per benefit on outpatient, inpatient and dental costs.
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The combination of AZ Comfort-U and AZ SP2 is Continentale's route for students and is in our selection for free choice of doctor without a primary doctor principle. As a student you can take out private insurance if you are not compulsorily insured in a statutory health insurance fund, for example after an exemption from compulsory insurance at the start of your studies. This exemption applies for your entire studies and cannot be withdrawn. Because of the young entry age, the premium is moderate, which we rate at 7 out of 10 points. For outpatient care there is no requirement to go through a family doctor, and every medical treatment is reimbursed within the fee schedule. The module AZ SP2 adds a two-bed room and private doctor treatment, and private clinics are reimbursed. We rate benefit coverage at 7 out of 10 points as solid. In return there is a deductible of €20 per benefit, and the plan has a high no-claims refund. The plan offers no option right for higher-level cover after your studies, and we put this point into context further down.
The plan combines a guaranteed lump-sum payment with a performance-based refund. After a claim-free calendar year there are two monthly premiums, and after two, three, four and five claim-free years an additional one, two, three and four monthly premiums. The condition is that no claims are made in the entire plan.
Unlike many digital plans for students, Continentale works here without a requirement to go through a family doctor. You choose your doctor freely, and every outpatient medical treatment is reimbursed within the fee schedule, without a detour through a primary care provider.
€20 per treatment or benefit are deducted from the reimbursement amount, on outpatient, inpatient and dental costs. Upper limits of the plan apply, for example €20 per day for at most 14 days for hospital services and €50 per medical aid.
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 choice of doctor in everyday life. At Continentale there is free choice of doctor without a primary doctor principle, and reimbursement is controlled instead through the deductible of the plan, which we explain further down.
Free choice of doctor, no primary doctor principle, outpatient medical treatment is reimbursed, including proven naturopathic treatment up to the level of conventional medicine
Up to 3.5 times the rate for medical services, 2.5 times for technical and 1.3 times for laboratory services
Reimbursed, including homeopathic medicines and products for artificial nutrition
According to the federal allowance regulation for civil servants or section E of the GOÄ, whichever amount is higher, including physiotherapy, massages, speech therapy, occupational therapy and podiatry
Open catalog, 100 percent up to €1,000 per medical aid in a simple version, above that with a cost estimate, otherwise 80 percent
100 percent according to the GebüH and the insurer's list, Ayurveda, organotherapy and orthomolecular therapy together up to €150 per calendar year
Up to 50 sessions per calendar year, prior approval from the 31st session
Up to €300 for glasses and contact lenses per two calendar years, no cover for visual aids already needed when the contract is signed unless a surcharge is paid
Preventive checkups under statutory programs without age limit, vaccinations according to STIKO, the deductible also applies here
In hospital the module AZ SP2 raises basic cover to a two-bed room and private doctor treatment.
Two-bed room through the module AZ SP2, multi-bed room in the basic plan AZ Comfort-U
Private doctor treatment through AZ SP2
Through AZ SP2 also above the maximum rates of the GOÄ
Treatment in private clinics in Germany is reimbursed
€20 per day if you do without the two-bed room, €50 if you do without private doctor treatment
100 percent without prior approval
Treatment before and after a hospital stay is reimbursed
To and from the nearest suitable hospital by ambulance
Dental treatment is covered at 100 percent, dentures at 80 percent. What you need to know are the long dental benefit limits and the deductible of the plan.
100 percent, including composite fillings, root canal and periodontal treatment, prophylaxis and professional teeth cleaning
80 percent, including crowns, bridges, facings and onlays, note the dental benefit limits
80 percent, note the dental benefit limits
80 percent, up to 6 implants per jaw including bone grafting, note the dental benefit limits
80 percent, note the dental benefit limits
Dentures and orthodontics up to €1,000 in the 1st, 2,000 up to the 2nd, 3,000 up to the 3rd, 4,000 up to the 4th and €5,000 up to the 5th calendar year, from year 6 €10,000 every two years, no waiver through a findings report, no limit after an accident
Up to 3.5 times the GOZ rate, treatment and cost plan required for dentures and orthodontics, otherwise 50 percent
The plan works with a deductible per benefit and an age-related premium jump. You should factor in both from the start.
€20 per treatment or benefit, deducted from the reimbursement amount, on outpatient, inpatient and dental benefits
Hospital services €20 per day for at most 14 days per stay, medical and dental services €20 per day, medical aids €50 per medical aid
€20 per product, no deductible for generics
The deductible also applies to preventive care, there is no real exemption
The plan for students is linked to the young entry age, and the premium rises when you reach an age band
The no-claims refund is a strength of the plan. It combines a guaranteed lump sum with a performance-based component.
Two monthly premiums after a claim-free calendar year, provided no claims are made in the entire plan
After two, three, four and five claim-free calendar years one, two, three and four monthly premiums
If preventive care or vaccinations are reimbursed, there is no no-claims refund
No refund is paid for the inpatient module AZ SP2 itself, and if the policy starts during the year there is none in the first year
The points beyond the core benefits often decide about everyday life, especially for the path after your studies.
Worldwide outside Europe for a temporary stay up to 6 months, longer if the return trip would endanger your health
Additional costs for medically necessary repatriation or transfer of remains
Follow-up rehabilitation within two weeks after acute inpatient treatment, other health cures and rehab are not reimbursed
No option for higher-level cover, no simplified right to change plan
Children cannot be insured alone, the plan is designed for students
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 the plan and is usually not needed during your studies, because there is no earned income to protect. Since the plan offers no option right, we plan the path after your studies separately 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.
Free choice of doctor without a primary doctor principle, every outpatient medical treatment is reimbursed without going through a family doctor.
Two-bed room and private doctor treatment through the module AZ SP2, plus reimbursement in private clinics.
High no-claims refund from a guaranteed lump-sum payment after a claim-free year and a performance-based refund after several claim-free years.
Good premium stability (8 out of 10 points) with solid claims handling (7 out of 10).
Dental treatment at 100 percent including prophylaxis and professional teeth cleaning.
A deductible of €20 per benefit applies to outpatient, inpatient and dental benefits, with upper limits of the plan such as €20 per day and at most 14 days for hospital services.
Dentures are reimbursed at 80 percent and under long dental benefit limits of 1,000 to €5,000 over the first five years.
Outpatient psychotherapy is limited to 50 sessions per calendar year, and prior approval is needed from the 31st session.
There is no option right for higher-level cover and no simplified right to change plan, and preventive care and vaccinations count against the no-claims refund.
The premium rises when you reach an age band, and the exemption from compulsory statutory insurance cannot be revoked for the duration of your studies.
The plan suits students who want free choice of doctor without a primary doctor principle, value the optional hospital services through AZ SP2 and consciously accept the deductible of €20 per benefit to benefit from the high no-claims refund.
It is less suitable if you want reimbursement entirely without a deductible, need an option right for higher-level cover after your studies or expect extensive dental work early on. For these cases we show you better plans for students in our advice.
If you are not compulsorily insured in a statutory health insurance fund. This is the case if you are exempted from compulsory insurance at the start of your studies or if compulsory student insurance ends. The exemption applies for your entire studies and cannot be withdrawn, so we check it carefully beforehand. Before you apply, it is worth looking at the health questions.
No. Continentale reimburses outpatient medical treatment with free choice of doctor, without treatment having to start with a family doctor or primary care doctor. Reimbursement is controlled instead through the deductible of the plan of €20 per benefit.
€20 per treatment or benefit are deducted from the reimbursement amount, on outpatient, inpatient and dental costs. Upper limits apply, for example €20 per day for at most 14 days for hospital services, €20 per day for medical and dental services and €50 per medical aid. For generics there is no deductible.
Usually not. During your studies there is no earned income to protect that could be lost through illness. The plan therefore includes no Krankentagegeld . Because it also offers no option right for higher-level cover, we plan the path after your studies separately in the plan analysis.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. In addition, the plan for students rises when you reach an age band. We keep putting the premium adjustments at Continentale into context and check plan optimization if increases are large.
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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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