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For employeesPrivate or statutoryRequirements for employeesJahresarbeitsentgeltgrenze (JAEG)Career startersCosts
Costs for employeesEmployer contributionBeitragsbemessungsgrenze (BBG)Statutory maximum contributionOld age for employeesWorking part timeGetting started
For the self-employedPrivate or statutory when self-employedRequirements for the self-employedBest plans for the self-employedSwitching to private health insuranceIs private health insurance worth itCosts and protection
Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employedWhich plan fits your self-employment?
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For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
Family and private health insuranceAdvice for familiesChildren in private health insuranceSpousesEmployer contributionWhat does private health insurance cost for your family?
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Health questionsDuty of disclosureRelease from confidentialityDuty to report later changesBreach of obligationsPre-existing conditions
With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
Anonymous risk enquiryApplicationAcceptance of the applicationApplication rejectedObligation to accept and BasistarifUnsure because of a pre-existing condition?
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PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
Premium increasesPremium stabilityPremiums in old ageAgeing reservesSpecial right of cancellationBenefits and contract
BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeInter plan for doctors with dental cover without dental benefit limits, telemedicine at 100 percent, remedies without a cap under the allowance regulation for civil servants and a switch to a level with a deductible without new health questions.
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The Inter JABest is a plan for doctors that combines a high benefit level with some practical freedoms. We rate benefit coverage and claims handling at 9 out of 10 points each. The plan offers free choice of doctor, reimbursement above the maximum rates of the fee schedule, remedies without a cap under the allowance regulation for civil servants and dental cover without dental benefit limits. Two points make it stand out in everyday life. Telemedicine consultations with doctors are reimbursed at 100 percent, and you can switch to a level with a deductible without new health questions. The premium is in the middle range (5 out of 10 points). For doctors who value strong benefits with flexibility, the JABest is a convincing option.
The dental cover has no limit on amounts in the first years. Dental treatment and orthodontics are reimbursed at 100 percent, dentures and implants with bone grafting at 90 percent. The plan also pays for professional teeth cleaning twice a year.
Phone and video consultations with doctors are reimbursed at 100 percent. If you want to agree a deductible later, you can do so without new health questions. For additional benefits, an assessment is required.
Children can be insured alone from age 1 if the doctor as policyholder takes out at least a 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 → plan or a daily hospital allowance plan. Preventive care, vaccinations and professional teeth cleaning do not put the refund at risk.
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 how freely you choose doctors and how much of private doctors' fees is reimbursed. The JABest reimburses above the maximum rates of the GOÄ and fully covers telemedicine.
Free choice of doctor, no primary doctor principle
Telephone and video consultations with doctors at 100%
Reimbursement also above the maximum rates
Targeted preventive care, with no effect on the refund
By licensed doctors in private practice without a limit on the number of sessions, without approval
According to the fee directory, plus Hufeland methods by doctors
Reimbursed without being tied to the federal allowance regulation for civil servants
Open catalog, 100% up to €500, orthopedic shoes up to €1,500 per year
Up to €500 per 2 years, Lasik up to €2,500 per eye
In hospital the JABest covers the optional hospital services. Private clinics and transport are generously covered, and the substitute daily allowance if you do without them is deliberately lower.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€25 per day if you do without a single or two-bed room, €25 if you do without a private doctor
Reimbursed
Reimbursed, without prior approval
Covered in hospital for children up to age 13
To and from the hospital up to 100 km each way, at least to the nearest suitable hospital
Dentures are one of the most common reasons for a claim. The special feature of the JABest is that it has no dental benefit limits, so dental cover is available in full from the start.
100%, including root canal and periodontal treatment
Twice per calendar year
90%, including crowns, bridges, inlays
90%, including bone grafting
100%
Reimbursement also above the maximum rates
No dental benefit limits, dental cover is available in full without waiting years
The JABest has no deductible and lets you adjust the own share flexibly. This is especially practical for doctors whose needs change over their career.
No deductible in basic cover
Possible without new health questions
With risk assessment
The own share can be adjusted later without new health questions
If you submit no bills, you get money back. With the JABest the refund rises with every claim-free year, and new policyholders receive a fixed amount early on.
Staggered from 0.75 monthly premiums after 1 year to 3.0 monthly premiums after 7 years
1.5 monthly premiums in the first 3 years until the first claim
Not included
Preventive care, vaccinations and professional teeth cleaning do not put the refund at risk
The points beyond the core benefits often decide how comfortable everyday life is, especially when your life situation changes. The JABest is strong on health cures and cover for children.
100% for organic infertility, with an age limit
Children can be insured alone from age 1 if the doctor takes out a KHT or KT plan
For a maximum of 6 months while receiving parental allowance
Worldwide up to 12 months, medically appropriate repatriation after approval
Follow-up rehabilitation, plus an outpatient health cure every 2 years for 4 weeks
Krankentagegeld is not part of the basic cover. As an employed doctor you need it from the end of continued pay during illness, as a doctor in private practice from the first day of incapacity for work. 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 level with 9 out of 10 points for benefit coverage and claims handling.
Dental cover without dental benefit limits, plus professional teeth cleaning twice a year.
Telemedicine at 100 percent and remedies without a cap under the allowance regulation for civil servants.
Switch to a level with a deductible without new health questions.
Outpatient health cure every two years and insuring a child alone from age 1.
The no-claims refund starts low at 0.75 monthly premiums and only rises over the years.
The substitute daily allowance if you do without the optional hospital service is low at €25 per day.
The plan has no option right for higher-level cover, and additional benefits require a risk assessment.
Krankentagegeld must be added separately and belongs in every calculation for doctors.
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 JABest suits doctors who want strong benefits with practical freedoms, such as telemedicine, dental cover without waiting years and the option to agree a deductible later without new health questions. The cover for children is also a plus for young families.
It is less suitable if you want a high guaranteed refund from the start or an option right for later upgrades. For these cases we show you better alternatives from our comparison in our advice.
The JABest allows a switch to a level with a deductible without new health questions. If, on the other hand, you want to switch to a level with additional benefits, a risk assessment is required. For doctors the first option is practical, because the own share they want can change with their life situation. We clarify the details in our plan analysis.
The JABest has no dental benefit limits. Dental treatment and orthodontics are reimbursed at 100 percent, dentures and implants with bone grafting at 90 percent. The plan also pays for professional teeth cleaning twice a year. This means dental cover is available in full from the start.
As an employed hospital doctor you receive the employer contribution of half your premium, up to the statutory maximum. As a doctor in private practice you can deduct the premiums from tax instead.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Inter's specific adjustments 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. 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.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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