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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeCover for children at the highest benefit level without a deductible, with a single room, full orthodontics without dental benefit limits and strong claims handling.
4,96 · 235 reviews Featured in leading trade media
The DKV PremiumMed is in our selection for children because it reaches the full score for scope of benefits and is therefore one of the strongest plans in our selection. For families this means top cover without compromise: a single room in hospital, remedies at 100 percent without the limit of the federal allowance regulation for civil servants, telemedicine reimbursed in full and, for dental care, orthodontics at 100 percent without any dental benefit limits. We rate claims handling at 9 out of 10 points and the premium history at 8 out of 10 as more reliable than average. At 6 out of 10 points, the starting premium is one of the higher ones, which is the price for the substance. If you deliberately want to give your child the highest benefit level and accept a somewhat higher premium for it, the PremiumMed is one of the strongest options.
For scope of benefits we give 10 out of 10 points, so the plan is one of the strongest in our selection. In concrete terms this means a single room in hospital, remedies at 100 percent without the limit of the federal allowance regulation for civil servants and telemedicine reimbursed in full, all without a deductible.
Unlike many plans for children, the PremiumMed does completely without dental benefit limits. Dental treatment is reimbursed at 100 percent, dentures at 90 percent and orthodontics up to age 18 at 100 percent. Especially for children, braces later on are fully covered from the start.
Children can be insured alone from birth. A guaranteed lump-sum payment after a claim-free year and a performance-based refund also apply to children, and fertility treatment is fully covered for organic infertility.
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.
In the PremiumMed, outpatient care carries the top score for scope of benefits. Free choice of doctor, remedies without the Beihilfe BeihilfeThe state healthcare allowance for civil servants. The Beihilfestelle pays a fixed share of medical costs, the Beihilfesatz, and private insurance covers the rest.More about Beihilfe → limit and broad naturopathy shape the picture.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates of the GOÄ
100 percent, without the limit of the federal allowance regulation for civil servants
Telephone and video consultations with doctors at 100 percent
100 percent according to the fee directory, plus naturopathic treatment according to Hufeland up to €1,500
90 percent without a limit on the number of sessions, without prior approval
Statutory programs as well as up to €500 per year for further preventive care and prevention courses, vaccinations at 100 percent
Open catalog, 100 percent if obtained through the insurer
Up to €1,500 per 24 months, laser correction up to €1,500 per eye
In hospital the PremiumMed belongs to the premium class. A single room and private doctor are covered, as is the admission of a companion.
Single 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
€40 if you do without the two-bed room, €20 if you do without the single room, €60 if you do without the private doctor
Reimbursed, without prior approval
To and from the hospital up to 100 kilometers
For dental care, the PremiumMed is particularly strong for a plan for children, because it does entirely without dental benefit limits. This means braces later on are also fully covered from the start.
100 percent, including professional teeth cleaning
90 percent, 100 percent after an accident, implants including bone grafting
100 percent
100 percent up to age 18, no age limit after an accident
No dental benefit limits
Reimbursement also above the maximum rates
The PremiumMed is a full plan without a share of your own. The option right secures adjustments of the deductible without a risk assessment.
No deductible
One full plan for outpatient, inpatient and dental benefits
Lower deductible within the same plan on January 1 of the 6th year of insurance and every 5 years after that, without a risk assessment
No simplified right to switch to higher-level plans is included
If you submit no bills, you get money back from the PremiumMed, through a guaranteed lump sum and a performance-based refund.
€1,500 after a claim-free calendar year, €500 for children up to 20 years
€2,100 after a claim-free year, €700 for children and young people
Preventive care, vaccinations and dental prevention do not put the refund at risk
The family modules of the PremiumMed are broad, from insuring a child alone from birth to cover abroad.
Children can be insured alone from birth
€600 per month for up to 6 months while receiving parental allowance
100 percent for organic infertility, with age limits and limits on the number of attempts
Outside Europe up to 6 months, repatriation included
Follow-up rehabilitation as well as €30 per day for up to 28 days every 36 months
As a plan for children, the PremiumMed includes no 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 →, and for children that is the right design. 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 at 10 out of 10 points, a single room and remedies at 100 percent without the Beihilfe limit.
No dental benefit limits and orthodontics up to age 18 at 100 percent, a strong package especially for children.
Fair claims handling at 9 out of 10 points and a reliable premium history at 8 out of 10.
Telemedicine at 100 percent and broad cover for preventive care, prevention and vaccinations.
At 6 out of 10 points, the starting premium is one of the higher ones in our selection. The high benefit level has its price.
Orthodontics is limited to treatment starting up to age 18, except after an accident. For children this is usually not critical, but you should know it.
No simplified right to switch to higher-level plans is included. The statutory right to change plan still applies.
The admission of a companion in hospital is limited to children up to age 10.
The PremiumMed suits families who deliberately want to give their child the highest benefit level and accept a somewhat higher premium for it. Especially for families who want braces later on to be fully covered from the start, the absence of dental benefit limits is a strong argument.
The plan fits less well if the lowest premium is the priority or if lean basic cover is enough. For these cases we show cheaper alternatives from our comparison in our advice.
Many plans cap dentures and orthodontics in the first years through dental benefit limits. The PremiumMed does completely without them, so even braces needed early on are fully covered. You can read more on the topic under dentures and implants.
Children can be insured alone from birth. Otherwise, directly after birth, cover runs through the Kindernachversicherung of a privately insured parent, without any health questions.
There is an option right for a lower deductible without a risk assessment. However, the PremiumMed has no simplified right to switch to higher-level plans, so the benefit level should fit from the start. The statutory right to change plan under § 204 VVG also 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 DKV 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.
The Signal Iduna Exklusiv plan for children reviewed: benefits from the plan terms, our rating on five key figures and which families it suits.
View plan →The Barmenia plan for children with top claims handling reviewed: benefits from the plan terms, our rating on five key figures and which families it suits.
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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