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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeSolid combination for children with a private doctor and a choice of room in hospital, no deductible for children and cover from birth.
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The Hanse Merkur combination of KVT500 and PSV is in our selection for children because it combines solid private cover with a low starting premium. The outpatient and dental plan KVT500 covers everyday care, and the PSV module raises hospital cover to a single or two-bed room with a private doctor. Especially important for families: children pay no deductible up to age 20, and a child can be insured with Hanse Merkur from birth without a parent who is also insured. We rate the premium history and the starting premium at 8 out of 10 points each, and claims handling at 8 out of 10. For scope of benefits we see 7 out of 10 points, and here the combination is solid rather than top class. If you want affordable private cover for your child with optional hospital services, this combination is a convincing option.
KVT500 generally works with an annual deductible of €500 for outpatient and dental benefits. Children and young people up to age 20 are exempt and pay no share themselves. Lump sums for preventive care also remain free of the deductible.
A child can be insured alone with Hanse Merkur from birth, and cover can start on the day of birth. Entitlement to benefits exists from birth if the waiting periods are waived on the basis of the children's checkups. A parent who is also insured is not required for this.
The basic plan KVT500 secures standard services in a multi-bed room, and the additional PSV module raises hospital cover to a single or two-bed room with private doctor treatment. This lets you upgrade inpatient cover in a targeted way while the basic premium stays low.
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 runs through KVT500. Free choice of doctor, telemedicine and broad naturopathy are covered, and reimbursement is based on the maximum rates of the fee schedule.
Free choice of doctor, no primary doctor principle
Reimbursement up to the maximum rates of the GOÄ
Telephone and video consultations with doctors at 100 percent
100 percent up to the maximum amounts of the federal allowance regulation for civil servants
100 percent according to the fee directory or Hufeland
90 percent for up to 50 sessions a year, with prior approval
Statutory programs and further preventive care, vaccinations as recommended, travel vaccinations up to €100 a year
Open catalog, 100 percent, wheelchair up to €15,000
Up to €260 per 24 months, also for laser correction
In hospital the interaction of the two modules becomes clear. KVT500 secures the standard services, PSV the optional hospital services. For families, the admission of a companion is important.
KVT500 multi-bed room, PSV raises this to a single or two-bed room
KVT500 standard and affiliated doctor, PSV private doctor treatment above the maximum rates
Through KVT500 as a standard service, through PSV up to age 14
Through KVT500 up to the single rate of comparable hospital costs
Through PSV €35 if you do without the choice of room, €25 if you do without the private doctor
Reimbursed, additional lump sum of €150 according to the insurer's list
To and from the nearest suitable hospital
For dental care, reimbursement runs through KVT500. Dental treatment is fully covered, dentures and orthodontics at a partial rate, and dental benefit limits apply over several years.
100 percent, including professional teeth cleaning
80 percent according to the price and benefit directory
80 percent
A maximum of €1,600 in the first 2, €3,200 in the first 4 and €6,400 in the first 6 years, from the 7th year without limit
Reimbursement up to the maximum rates
The combination separates basic cover from the module for optional hospital services. For children there is no share to pay themselves, so everyday care is covered without billing hurdles.
Outpatient and dental, €500 deductible, which does not apply to children up to 20 years
Raises hospital cover to a choice of room and a private doctor
No option for higher-level cover is included
No simplified right to change plan is included
If you submit no bills, you get money back through KVT500. PSV pays no refund, but it is very low-cost.
€200 after 1, €300 after 2, €400 after 3 and €500 after 4 claim-free years, half for children
10 percent from age 20 after passing a health check
No refund is paid for the module for optional hospital services
The family modules of the combination are designed for an early start, from cover from birth to a companion in hospital.
Children can be insured alone from birth, and cover can start on the day of birth
Reimbursed under certain conditions, approval is recommended
Outside Europe reduced benefits from the 2nd month, repatriation through PSV up to 3 months
Follow-up rehabilitation, outpatient health cure every 3 years
As a combination for children, KVT500 and PSV include 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.
Children pay no deductible up to age 20, so everyday care is covered without an own share.
Cover from birth without a co-insured parent, with the policy starting on the date of birth.
Low starting premium and a reliable premium history with 8 out of 10 points each.
Optional hospital services through the module PSV, with a single or two-bed room and private doctor.
For the scope of benefits we see 7 out of 10 points. The plan is solid, but not in the top group of our selection.
Dentures and orthodontics are reimbursed at 80 percent, and the dental benefit limits apply into the seventh year. If you plan larger dental treatment early, you should factor this in.
Outpatient psychotherapy is limited to 50 sessions per year and needs prior approval.
Cover abroad outside Europe is reduced from the second month, and there is no option for higher-level cover.
The combination suits families who want to give their child affordable private cover with optional hospital services and who value a low, stable premium. The early start from birth and the absence of a deductible for children also speak for it.
The combination is less suitable if you want the highest dental and benefit level or particularly strong cover abroad from the start. For these cases we show you stronger alternatives from our comparison in our advice.
No. The KVT500 does have an annual deductible of €500 in principle, but children and young people up to age 20 are exempt from it. The own share only applies after that.
A child can be insured alone at Hanse Merkur from birth, and the policy can start on the date of birth. Alternatively, cover runs directly after birth through the Kindernachversicherung of a privately insured parent.
The KVT500 covers standard services in a multi-bed room. The PSV raises hospital cover to a single or two-bed room with private doctor and adds a substitute daily hospital allowance and repatriation from abroad. This keeps the basic premium low while the optional hospital services are still covered.
The premium rises with the technical entry age, and from age 20 the exemption from the deductible ends. If an adjustment is large, we check plan optimization together, and you can find the specific premium adjustments of Hanse Merkur 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 DKV PremiumMed for children without a deductible reviewed: benefits from the plan terms, our rating on five key figures and which families it suits.
View plan →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.
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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.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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