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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeSingle LKH plan for employees with strong benefits, no deductible, reimbursement above the maximum rates of the fee schedule, dental benefits at 100 percent and a high no-claims refund from the first year.
4,96 · 235 reviews Featured in leading trade media
The GUP is LKH's premium single plan, and for us it is one of the strongest plans on the market. Unlike with many competitors, you do not need a combination of main and top-up plans here, because the complete full cover is in one plan. For benefit coverage we give 9 out of 10 points, because the plan reimburses outpatient, inpatient and dental care above the maximum rates of the fee schedule and has no deductible. We rate LKH's premium history at 8 out of 10 points, as reliable above average. The special feature is the no-claims refund, which applies without a long waiting time, because new policyholders already receive the full level for the first claim-free year. We have to be honest about the starting premium, which we place at the upper end of the market with 4 out of 10 points. If you choose the GUP, you pay for benefits in the top group and not for a teaser price, and that is exactly why we recommend it in our plan analysis when benefits clearly come before price.
Most plans only allow the full refund after several claim-free years. With the GUP, new policyholders already receive the highest level for the first claim-free year, meaning 4 monthly premiums of performance-based refund plus a guaranteed lump-sum payment of €750. Regular policyholders start with 2 monthly premiums after the first year and rise to 4 monthly premiums after three years.
The GUP is one of the strongest plans on the market. It reimburses private doctors' fees for outpatient and inpatient care above the maximum rates of the GOÄ, dental benefits including implants with bone grafting at 100 percent above the maximum rates of the GOZ, and works with an open catalog of medical aids. There is no deductible.
During parental allowance or parental leave, a premium exemption for up to six months is possible. Through the Kindernachversicherung KindernachversicherungAdding a newborn to a parent's private policy without health questions. The application must reach the insurer within two months of birth.More about Kindernachversicherung →, newborns are insured free of premium in the month of birth and the following six months, and a companion in hospital is covered for children up to age 15.
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 in everyday life and how much of private doctors' fees is reimbursed. The most important line here is the fee schedule, because the GUP also reimburses fees above the maximum rates of the GOÄ, and that is exactly where many specialists bill.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Statutory programs and further checkups, plus up to €400 per year for prevention courses
Prescribed products in full, non-prescribed up to €100 per year
Up to 150% of the maximum amounts of the federal allowance regulation for civil servants, including osteopathy
Open catalog of medical aids at 100%, digital health applications with a prescription at 100%
100%, up to €2,000 per year according to the GebüH or the Hufeland directory, including up to 10 psychotherapy sessions
Up to €1,000 per 3 calendar years for visual aids, up to €2,500 per eye per 2 calendar years for surgical vision correction including Lasik
100% without a limit on the number of sessions, no prior approval needed
In hospital the difference between basic cover and premium cover is clearest. The GUP fully covers the optional hospital services and even rewards you through a substitute daily hospital allowance for not using them.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€50 per day if you do without a single or two-bed room, €50 if you do without a private doctor, half the rate for children and young people up to age 20
Reimbursement, for general hospital services limited to 2.5 times regular hospital rates
100%, no prior approval needed
Treatment is reimbursed
Trips to and from the nearest suitable hospital
Dentures are one of the most common reasons for a claim. The GUP does without the usual percentage deduction and also reimburses above the maximum rates of the GOZ. The only thing you need to know is the dental benefit limits, meaning the cap in the first years of insurance.
100%, including professional teeth cleaning, root canal and periodontal treatment
100%, including crowns, bridges, veneers, onlays
100%, including bone grafting
100% up to age 21, no age limit after an accident
Reimbursement also above the maximum rates
Up to €1,250 in the 1st calendar year, €2,500 in the first 2 years, €5,000 in the first 3 years, no limit from year 4, no limit after an accident, prophylaxis and teeth cleaning do not count toward the limits
The GUP is full cover with no out-of-pocket share. When you look at later adjustments, you should know that the plan has no simplified right to switch and no option right. The statutory right to change plan applies regardless.
No deductible in the entire plan
No option for higher-level cover
No simplified right to change plan, the statutory right to switch under § 204 VVG remains in place
If you submit no bills, you get money back. LKH combines a guaranteed lump sum with a performance-based refund, and preventive care does not count against you.
€250 after 1 claim-free year, €500 after 2 years, €750 after 3 years, also possible as a premium deferral
2 monthly premiums after 1 year, 3 after 2 years, 4 after 3 claim-free years
As early as the 1st year, 4 monthly premiums as a performance-based refund and €750 as a guaranteed lump-sum payment
Preventive checkups up to €600 per year, vaccinations, prophylaxis and 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.
Premium exemption for up to 6 months possible
Newborns free of premium in the month of birth and the following 6 months
Children can be insured alone from age 2
Covered for children up to age 15
100% for organic infertility, with age limits and limits on the number of attempts, after 8 months of insurance
Outside the EU and the EEA up to 12 months, extension by 5 years possible, medically necessary repatriation included
Health cures up to €3,000 per 3 calendar years, rehab up to 1.5 times the statutory health insurance rate
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 this plan. As an employee you need it from the end of continued pay during illness, usually from the seventh week. 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.
Reimbursement also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care. In a serious case one of the most important differences between plans.
Dental benefits fully at 100%, including implants with bone grafting, plus 9 out of 10 points for benefit coverage.
Full cover without a deductible in a single plan, no combination of top-up modules needed.
High no-claims refund without a long wait, new customers start right away at the full level.
A premium history that is more reliable than average (8 out of 10) and fast claims handling (8 out of 10).
The premium is at the upper end of the market (premium level 4 out of 10). If price is your main criterion, you will find plans with leaner benefits for less.
The dental benefit limits cap dental treatment, dentures and orthodontics in the first three years at €1,250 to €5,000. If you plan larger dental work soon, you should factor this in.
The plan includes neither an option right for higher-level cover nor a simplified right to change plan. The statutory right to change plan under § 204 VVG still applies.
Krankentagegeld must be added separately and belongs in every calculation for employees.
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 GUP suits employees above the JAEG JAEG · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG → who put benefits before price and see their health insurance as a long-term decision. It is also one of the stronger options in our selection for families, from the premium-free Kindernachversicherung to a companion in hospital.
It is less suitable if the monthly premium is the deciding criterion or if you only want basic cover at the level of statutory health insurance. For these cases we show you better alternatives from our comparison in our advice.
The GUP bundles complete full cover in a single plan, without top-up modules. It reimburses outpatient, inpatient and dental care above the maximum rates of the fee schedule, has no deductible and covers dental benefits including implants at 100 percent. In our plan analysis we place this benefit level in the top group.
Yes. As a privately insured employee you receive the employer contribution of half your premium, up to the statutory maximum. The contribution applies no matter which plan you choose.
Within LKH you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. However, the GUP has neither a simplified right to switch to higher-level plans nor an option right, so the benefit level should fit from the start.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find LKH'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 from advisory practice. The rating is our professional assessment, not a ranking by a testing institute.
From our vetted selection, rated on the same key figures.
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View plan →The Signal Iduna plan Exklusiv-SI for employees reviewed: benefits from the plan terms, our rating on five key figures and who this premium single plan 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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