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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
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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?
Start the anonymous check →Lower your premium
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 noticeSDK combination with stable premiums for doctors with a single room, private clinics without a cap on clinic rates, remedies without a cap under the allowance regulation for civil servants and an option right for a change of status.
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The SDK combination of AM10, S1 and Z9 is in our selection for medical professionals because it combines strong benefits with the highest premium stability in our selection for doctors. For premium stability we give 9 out of 10 points, and the same for claims handling. The outpatient module AM10 provides free choice of doctor and reimbursement above the maximum rates of the fee schedule, the inpatient S1 the single room with private doctor, and the Z9 takes care of dental cover. Two points are especially useful for doctors: switching to a level with a deductible without a risk assessment and an option right linked to a change of status between employment, self-employment and civil service. Private clinics are reimbursed without a cap at a multiple of the clinic rates.
With 9 out of 10 points for premium stability and also 9 out of 10 for claims handling, the SDK combination is the most stable plan for doctors in our selection. For a decision that lasts for decades, this is one of the most important values.
The AM10 grants a guaranteed right to switch to a level with a deductible and back without a risk assessment. In addition, there is an option right for higher-level cover that is linked, among other things, to a change of status between employment, self-employment and civil service and to fixed age bands.
Treatment in private clinics is reimbursed without a cap at a multiple of the regular clinic rates, and remedies such as physiotherapy are not tied to the federal allowance regulation for civil servants. The catalog of medical aids is also open and has no fixed limits on amounts.
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 AM10 reimburses above the maximum rates of the GOÄ and covers 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.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Preventive care and up to €500 per 3 years for prevention, up to €500 per year without affecting the refund
By licensed doctors in private practice without a limit on the number of sessions, without approval
Up to €1,000 per year according to the fee directory, plus Hufeland methods
Reimbursed without being tied to the federal allowance regulation for civil servants
Open catalog, 100% without fixed limits on amounts
Up to €1,000 per 3 years, Lasik up to €3,000 per eye
In hospital the top-up plan S1 provides the premium level. It covers the single room, the private doctor and the private clinic without the usual caps on clinic rates.
Single room through the top-up plan S1
Private doctor treatment, GOÄ also above the maximum rates
€40 per day if you do without a single or two-bed room, €20 if you do without the single room, €60 if you do without a private doctor
Reimbursed without a cap at a multiple of the clinic rates
Inpatient treatment is reimbursed without prior approval
Covered in hospital for children up to age 12
To and from the nearest suitable hospital
Dentures are one of the most common reasons for a claim. The Z9 reimburses dental treatment in full, while a moderate percentage deduction applies to dentures. What you need to know are the dental benefit limits of the first years.
100%, including professional teeth cleaning, root canal and periodontal treatment
90%, including crowns, bridges, veneers
100%
90%, including bone grafting
90%
Reimbursement also above the maximum rates
Up to €2,700 up to the 2nd year, €4,500 up to the 3rd, €6,750 up to the 4th year, no limit from year 5, waiver through a findings report possible
The SDK combination has no deductible and lets you adjust the out-of-pocket share without new health questions. This is especially useful for doctors, whose situation changes over the course of their career.
No deductible in the outpatient module
Guaranteed right to switch to a level with a deductible and back without a risk assessment
Fixed age bands, change of status between employment, self-employment and civil service, marriage, increase in income
Cover and out-of-pocket share can be adjusted later without new health questions
If you submit no bills, you get money back. In the SDK combination, the outpatient and the dental module each pay their own refund.
2 monthly premiums after a year without claims for outpatient care
2 monthly premiums after a year without claims for dental care
No refund
Preventive care and vaccinations up to €500 per year 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.
100% for organic infertility, with age limits and limits on the number of attempts
Children can be insured alone if one parent has full cover with another insurer
Worldwide up to 6 months, after that continuation on special terms
Medically necessary repatriation through the module S1
Inpatient health cures and outpatient follow-up rehabilitation up to €2,000 per 3 years
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 combination. 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.
Highest premium stability in our selection for doctors (9 out of 10) with equally strong claims handling (9 out of 10).
Private clinics without a cap at a multiple of the clinic rates, single room with private doctor.
Remedies without a cap under the allowance regulation for civil servants, open catalog of medical aids without fixed limits on amounts.
Switch to a level with a deductible without a risk assessment and an option right for a change of status.
Separate no-claims refund in the outpatient and in the dental module.
Alternative practitioner benefits are limited to €1,000 per year.
The inpatient module pays no no-claims refund, and the dental benefit limits cap the first four years.
Outside Europe, cover abroad initially applies for six months.
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 combination suits doctors who put long-term stable pricing first and want to keep the option of adjusting their cover when their status changes between employment, self-employment and civil service. The flexible out-of-pocket share without new health questions also speaks for it.
It is less suitable if you want particularly high cover for alternative practitioners or cover abroad without a time limit. For these cases we show you better alternatives from our comparison in our advice.
For premium stability we give 9 out of 10 points, the highest value in our selection for doctors. This is based on SDK's published premium history and our experience with its pricing. For a decision that lasts for decades, this value is one of the most important. Whether the plan fits your situation is something we clarify in the plan analysis.
The option right of the AM10 can be used, among other things, when your status changes between employment, self-employment and civil service, at fixed age bands or after a significant increase in income. You can then expand the cover without new health questions. This fits the medical profession well, because status often changes from hospital doctor to your own practice.
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 SDK'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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