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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeLow-cost Hanse Merkur combination for students with a primary doctor principle for outpatient care, an inpatient top-up to a single or two-bed room with private doctor treatment and extensive cancer screening, in return for a deductible of €500 a year on outpatient and dental benefits.
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This Hanse Merkur solution for students consists of three modules and is in our selection as a low-cost entry option. KVS1A is the outpatient main plan with a family doctor and primary doctor principle: if treatment starts with a primary doctor, 100 percent is reimbursed, otherwise 80 percent, and telemedicine services are covered at 100 percent. PSVA is the inpatient top-up plan and raises accommodation to a single or two-bed room with private doctor treatment. EKV2A adds cancer screening to the combination with a special blood test each year and, if the result is abnormal, imaging procedures, plus a dental top-up from the seventh year of insurance. 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. Because of the young entry age the premium is low, which we rate at 9 out of 10 points. We rate benefit coverage as solid at 7 out of 10 points. The option right is important, because it allows a later switch to higher-level cover.
Because of the young entry age the premium is low, which we rate at 9 out of 10 points. Telemedicine services are reimbursed at 100 percent, and instead of a no-claims refund Hanse Merkur relies on a premium for students that is calculated low from the start.
The supplementary module EKV2A reimburses one special blood test for cancer screening each year and, if the result is abnormal, imaging procedures such as PET-CT, head and neck MRI or prostate MRI from the main plan. This screening does not depend on the deductible of the plan.
The outpatient main plan KVS1A reimburses 100 percent if the first treatment starts with a primary doctor, otherwise 80 percent. Telemedicine consultations with doctors are covered at 100 percent, so part of your care can take place digitally.
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. KVS1A has a family doctor and primary doctor principle that determines the level of reimbursement, and we explain its effect further below in the section on the deductible.
Primary doctor principle, 100 percent if the first treatment starts with a general practitioner, an internist without a specialty, a gynecologist, pediatrician, ophthalmologist or emergency doctor, otherwise 80 percent, telemedicine at 100 percent
Up to 3.5 times the rate for medical services, 2.5 times for technical and 1.3 times for laboratory services
100 percent through the primary doctor, otherwise 80 percent, including products for artificial nutrition
90 percent up to the maximum amounts of the federal allowance regulation for civil servants
Open catalog, 100 percent, hearing aids and speech aids up to €1,000, wheelchairs up to €12,000
80 percent according to the GebüH or the Hufeland directory, staggered up to €100 in the 1st, €200 in the 2nd and €1,000 a year from the 3rd year of insurance
70 percent for a maximum of 50 sessions per calendar year, prior approval required
Up to €100 for glasses, contact lenses and laser treatment per 36 months
In hospital the top-up plan PSVA raises accommodation and the choice of doctor. The main plan KVS1A alone provides a multi-bed room and standard services.
Single or two-bed room through PSVA, multi-bed room with KVS1A alone
Private doctor treatment through PSVA, standard and affiliated doctor services with KVS1A alone
Affiliated doctor up to 3.5 times the rate for medical services, through PSVA also above the maximum rates
Through PSVA €35 per day if you do without the single or two-bed room, €25 if you do without private doctor treatment
Reimbursement up to 1 times the costs that would have arisen in a hospital that bills at regular rates
Reimbursed, without prior approval
Transport to and from the nearest suitable hospital, outpatient operations and treatment before and after a hospital stay are reimbursed
Dental treatment is covered at 100 percent, dentures and orthodontics at 80 percent. The dental benefit limits and the deductible of the plan are important to know.
100 percent, including professional teeth cleaning, root canal and periodontal treatment
80 percent, including crowns, bridges, veneers, onlays and implants, note the dental benefit limits
80 percent, note the dental benefit limits
80 percent, note the dental benefit limits
Dental treatment up to 2.3 times the rate, dentures and orthodontics up to 3.5 times the rate
Dentures and orthodontics up to €600 in the 1st to 2nd, €1,200 in the 1st to 4th, €2,400 in the 1st to 6th year of insurance, from the 7th year €4,000
From the 7th year of insurance up to €10,000 together with the main plan, from the 15th year without limit
As a combination for students, the plan works with an annual deductible and an age-related premium jump. You should factor in both from the start.
€500 per calendar year on outpatient and dental benefits, pro rata per month in the first year
Lump sums for preventive checkups do not depend on the deductible, and neither does cancer screening through EKV2A
The full reimbursement rate of 100 percent depends on treatment starting with a primary doctor
The plan for students is linked to the young entry age, and the premium rises when you reach an age band
The main plan includes a performance-based refund after claim-free years. The inpatient top-up plan pays no refund.
Through KVS1A after claim-free years €200 after one, €300 after two, €400 after three and €500 after four years, limited to half of the annual premium
No claims for outpatient and dental care, no payment if the policy starts during the year
Not included
No no-claims refund is paid through PSVA
The points beyond the core benefits often decide everyday life, especially cancer screening and the path after your studies.
One special blood test for cancer screening each year, if the result is abnormal imaging procedures such as PET-CT, head and neck MRI or prostate MRI from the main plan
Through KVS1A option for higher-level cover in the 4th year of insurance without a risk assessment, in the 6th year with a surcharge of up to 50 percent, in the 8th year with a surcharge of up to 100 percent on the additional benefits
Worldwide, from the 2nd month of a temporary stay outside Europe benefits are reduced by one third unless something else was agreed before departure
For trips of up to 3 months, medically necessary repatriation to Germany ordered by a doctor
Follow-up rehabilitation under certain conditions without approval, no inpatient health cure or sanatorium treatment
Children cannot be insured, 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 combination and is usually not needed during your studies, because there is no earned income to protect. For the time after that, the option right for higher-level cover applies.
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.
Low premium (9 out of 10 points) because of the young entry age, telemedicine services at 100 percent.
Extensive cancer screening through EKV2A with an annual blood test and imaging procedures, independent of the deductible.
Through PSVA a single or two-bed room and private doctor treatment in hospital, for affiliated doctors also above the GOÄ maximum rates.
Option right for higher-level cover, in the 4th year of insurance even without a new risk assessment.
Reliable claims handling (8 out of 10 points) with good premium stability at the same time (8 out of 10).
There is a deductible of €500 a year on outpatient and dental benefits, plus an age-related premium jump.
The full reimbursement rate depends on the primary doctor principle. If you start your first treatment directly with a specialist without a primary doctor, you only receive 80 percent.
Private clinics are only reimbursed up to 1 times the standard rates, outpatient psychotherapy is weak at 70 percent, a maximum of 50 sessions and an approval requirement, and visual aids are very tight at a maximum of €100 per 36 months.
Alternative practitioners and naturopathic treatment are staggered in the first years (€100, €200 and €1,000), and the dental benefit limits are low at €600, €1,200 and €2,400 and only rise through EKV2A from the 7th year.
The exemption from compulsory statutory insurance as a student cannot be revoked for the duration of your studies. If you have pre-existing conditions, we recommend an anonymous risk enquiry before you apply.
This combination suits students who want low-cost cover with inpatient comfort and strong cancer screening and who are comfortable going through a family doctor or primary doctor and with telemedicine care.
It is less suitable if you want every specialist bill fully reimbursed from the start without a primary doctor principle, need strong outpatient psychotherapy or value high benefits for visual aids. 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, for example at age 30 or after the 14th semester. The exemption applies for your entire studies and cannot be withdrawn, so we check it carefully beforehand. You can find more in our private health insurance advice for students.
You receive 100 percent reimbursement if the first treatment starts with a general practitioner, an internist without a specialty, a gynecologist, pediatrician or ophthalmologist or an emergency doctor. If you start treatment directly with another specialist without this route, it is 80 percent. Telemedicine consultations with doctors are reimbursed at 100 percent.
EKV2A reimburses one special blood test for cancer screening each year. If the test result is abnormal, imaging procedures such as PET-CT, head and neck MRI or prostate MRI from the main plan are added. This screening does not depend on the deductible of the plan. In addition, EKV2A expands dental benefits from the 7th year of insurance.
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 put the development of Hanse Merkur's premiums into context in our plan analysis, and if increases are large we check plan optimization.
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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