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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong SDK combination for employees with a single room, reimbursement above the maximum rates of the fee schedules and remedies without a cap under the allowance regulation for civil servants.
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The SDK combination of AM10, S1 and Z9 is in our selection for employees because it combines a high benefit level with a reliable reimbursement practice. The three modules cover the three areas of benefits: AM10 outpatient care without any deductible, S1 inpatient care with a single room and private doctor, Z9 dental care. For dentures Z9 pays 90 percent, while dental treatment and inlays are covered at 100 percent. We rate benefit coverage at 9 out of 10 points, and claims handling also at 9 out of 10. We rate SDK's premium history as more stable than average at 8 out of 10 points. At 3 out of 10 points, the starting premium is among the higher ones on the market, and that is the honest downside of these strong benefits. Particularly worth highlighting are the simplified right to choose a plan, which allows you to change the deductible without a new risk assessment, and the reimbursement of remedies without a cap under the federal allowance regulation for civil servants. If you value substance over a teaser price, you will find one of the stronger combinations of our plan analysis here.
The combination includes a guaranteed right to change the deductible for outpatient care without a new risk assessment. In addition, there is an option right for higher-level cover within the plan line that is tied to fixed life events, for example reaching age 30, 35, 40, 45 or 50, a change in professional status or an increase in income of at least 20 percent.
For plans for children, SDK is one of the providers with strong value for money. Children can also be insured alone if one parent has full cover with another insurer, and they receive the same no-claims refund and the same substitute daily hospital allowance as adults.
Physiotherapy, massages, speech therapy, occupational therapy and other remedies are reimbursed without being tied to the maximum amounts of the federal allowance regulation for civil servants. This removes a limit at which many basic plans cap reimbursement.
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 and how much of private doctors' fees comes back to you. The AM10 also reimburses above the maximum rates of the GOÄ and does not cap remedies under the allowance regulation for civil servants.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Outpatient preventive checkups, plus up to €500 per 3 calendar years for prevention measures
Reimbursed, including medically essential nutritional and fortifying products
Physiotherapy, massages, speech therapy, occupational therapy and more, without a cap under the federal allowance regulation for civil servants
Open catalog of medical aids at 100%, digital health applications also beyond the statutory directory
Up to €1,000 per calendar year according to the GebüH, naturopathic treatment according to the Hufeland directory
Up to €1,000 per 3 calendar years for visual aids, up to €3,000 per eye for surgical vision correction after 36 months
By licensed doctors without a limit on the number of sessions and without prior approval
In hospital the gap between basic and premium cover is clearest. The S1 covers the optional hospital services and pays a substitute daily hospital allowance if you do without them.
Single room
Private doctor treatment, GOÄ also above the maximum rates
€60 per day if you do without a private doctor, €40 if you do without a single and two-bed room, €20 if you do without the single room
Treatment in private clinics is reimbursed
Reimbursed, without prior approval
Inpatient treatment is reimbursed
To and from the nearest suitable hospital, plus €0.30 per kilometer in your own vehicle
Dentures are among the most common and most expensive reasons for a claim. The Z9 pays dental treatment in full, while a rate of 90 percent applies to dentures and the dental benefit limits apply in the first years.
100%, including root canal and periodontal treatment and professional teeth cleaning
100%
90%, including crowns, bridges, facings and veneers
90%, including bone grafting
90%
Reimbursement also above the maximum rates
Dentures and orthodontics up to €2,700 in the first two, up to €4,500 in the first three and up to €6,750 in the first four calendar years, no limit from year 5, no limit after an accident
Required for dentures or orthodontics above €3,000, otherwise only 70% for the part above that
The outpatient module has no deductible. What matters most is how flexibly the combination can be adjusted later.
No deductible, deductible €0
Guaranteed right to change the deductible in outpatient plans without a new risk assessment
Option for higher-level cover within the plan line at fixed life events, for example age 30, 35, 40, 45 or 50 or an increase in income of 20% or more
If you submit no bills, you get premiums back. The refund is separate for each module, and preventive care does not count against you.
2 monthly premiums after a claim-free year for outpatient care
2 monthly premiums after a claim-free year for dental care
No no-claims refund
Receive the same refund
Preventive care and vaccinations up to €500 per year and prophylaxis up to €500 do not put the refund at risk
Not included
Beyond the core benefits, these points decide about everyday life, especially for families and when traveling.
Covered for children up to age 12
Children can be insured alone if one parent has full cover with another insurer
100% for organic infertility, women up to 40 and men up to 50 years, up to 8 attempts per procedure
Worldwide cover for a temporary stay of up to 6 months
Medically necessary repatriation, plus rescue, transfer of remains or burial up to €12,000
Outpatient and inpatient health cures up to €2,000 per 3 calendar years, inpatient follow-up rehabilitation within 28 days after the hospital stay
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 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 schedules, for outpatient, inpatient and dental care. When you claim, this is one of the most important differences between plans.
Remedies such as physiotherapy and speech therapy without a cap under the federal allowance regulation for civil servants.
High benefit coverage (9 out of 10) and fast claims handling (9 out of 10) with a premium history that is more stable than average (8 out of 10).
Simplified right to choose a plan: change of the deductible without a new risk assessment, plus an option right for higher-level cover.
Inpatient single room and private doctor treatment, outpatient psychotherapy without a limit on the number of sessions.
The premium is at the upper end of the market (premium level 3 out of 10). If price is your main criterion, you will find leaner combinations.
Dentures, implants and orthodontics are reimbursed at 90 percent, not at 100 percent. Only dental treatment and inlays are covered in full.
The dental benefit limits cap dentures and orthodontics in the first four years at €2,700 to €6,750. If you plan larger dental work soon, you should plan for this.
Krankentagegeld is not included and must be added separately 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 combination suits employees above the JAEG who put benefits before price and want high cover for outpatient, inpatient and dental care. Because children can be insured alone and receive the same benefits, it is also one of the stronger options in our selection for families.
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. If you insist on 100 percent for dentures, you should also know about the 90 percent limit of the dental module.
AM10 covers outpatient care without a deductible, S1 inpatient care with a single room and private doctor, Z9 dental care with 90 percent for dentures. This split makes the cover flexible, because individual modules can be adjusted using the right to change plan.
Yes. As a privately insured employee you receive the employer contribution of half your premium, up to the statutory maximum. It applies no matter which plan you choose.
Yes. Within SDK you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. In addition, the combination includes a simplified right to change the deductible for outpatient care without a new risk assessment.
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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