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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?
Start the free analysis →Getting started
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?
Start the family check →Health questions
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 noticeStrong combination for children without a deductible, with a single room, private clinics without a cap and accommodating claims handling.
4,96 · 235 reviews Featured in leading trade media
The SDK combination of AM10, S1 and Z9 is in our selection for children because it combines a high benefit level with very accommodating claims handling. For families this means strong all-round cover without a deductible: a single room in hospital, private clinics without a cap on fees, remedies without the limit of the federal allowance regulation for civil servants and psychotherapy without a limit on sessions. For scope of benefits and claims handling we give 9 out of 10 points each. The outpatient plan AM10 includes a simplified right to change plan, which lets you adjust the plan level without new health questions. We rate the premium history at 8 out of 10 and the starting premium at 7 out of 10 points. If you deliberately put benefits and quality of claims handling first for your child, you will find a very strong option in this combination.
We give 9 out of 10 points each for scope of benefits and claims handling. In concrete terms this means a single room in hospital, private clinics without the limit of the fee schedule, remedies without the limit of the federal allowance regulation for civil servants and outpatient psychotherapy without a limit on the number of sessions.
The outpatient plan AM10 offers a guaranteed right to switch to a plan level with a deductible without new health questions. In addition there is a broad option right for higher-level cover, for example on reaching certain age bands or on a change of professional status.
The dental module Z9 reimburses dental treatment at 100 percent, dentures and orthodontics at 90 percent, implants including bone grafting. Inlays and onlays are fully covered, and for adults the dental benefit limits can later be lifted through a findings report.
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 the AM10 and carries a large part of the benefit score. Free choice of doctor, full psychotherapy and 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 shape the picture.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates of the GOÄ
Reimbursed, without limitation by the federal allowance regulation for civil servants
No limit on the number of sessions, no prior approval
Up to €1,000 per year according to the fee directory and the Hufeland directory
Preventive care and prevention up to €500 per 3 years, comprehensive vaccinations including travel vaccinations
Open catalog, 100 percent, digital health applications also beyond the statutory directory
Up to €1,000 per 3 years, surgical vision correction up to €3,000 per eye
The inpatient module S1 belongs to the premium class. A single room, private doctor and private clinics without fee limits are covered.
Single room
Private doctor treatment, GOÄ for inpatient care also above the maximum rates
Treatment in private clinics is reimbursed, without the limit of the fee schedule
Admission for children up to age 12
€40 if you do without the two-bed room, €20 if you do without the single room, €60 if you do without the private doctor
Treatment is reimbursed
To and from the nearest suitable hospital
For dental care, the module Z9 provides a high level. Dental treatment is fully covered, dentures and orthodontics at a high rate, plus dental benefit limits in the first years.
100 percent, including professional teeth cleaning
90 percent, implants including bone grafting
100 percent
90 percent
Maximum €2,700 in the first 2, €4,500 in the first 3 and €6,750 in the first 4 years, no limit from year 5
Reimbursement also above the maximum rates
The combination consists of three modules that cover outpatient, inpatient and dental benefits. There is no share of your own.
Covers outpatient care, no deductible
Single room, private doctor, private clinics without limit
Dental treatment, dentures and orthodontics at a high level
Guaranteed switch to a plan level with a deductible without a risk assessment
If you submit no bills, you get money back through AM10 and Z9. The inpatient module S1 pays no refund.
2 monthly premiums after a claim-free year for outpatient care
2 monthly premiums after a claim-free year for dental care
Preventive care, vaccinations and prophylaxis up to €500 per year do not put the refund at risk
The family modules of the combination are strong, but in one place they are tied to a condition: insuring the child alone.
Possible if at least one parent has full cover with another insurer
100 percent for organic infertility, up to 8 attempts per procedure
Worldwide up to 6 months, repatriation through S1 including a companion for a minor
Higher-level cover at certain age bands, on a change of status or when the child completes training
Follow-up rehabilitation and health cures up to €2,000 per 3 years
As a combination for children, AM10, S1 and Z9 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.
A high benefit level and accommodating claims handling with 9 out of 10 points each, and this shows in a serious case.
Single room and private clinics without the limit of the fee schedule, plus remedies without the Beihilfe limit.
Simplified right to change plan to another plan level without new health questions.
Strong dental benefits through the module Z9 and outpatient psychotherapy without a session limit.
Insuring a child alone requires at least one parent to have full cover with another insurer. This does not suit every family situation and should be clarified in advance.
The dental benefit limits cap dentures and orthodontics up to the fourth year. If you plan major treatment early, you should factor this in.
The health cure benefit is limited to €2,000 per three years, and the inpatient module does not pay for an inpatient health cure.
We see the starting premium at 7 out of 10 points. The plan is not the cheapest in our selection.
The combination suits families who want to give their child a high benefit level with very accommodating claims handling and who value flexibility through the simplified right to change plan. Insuring the child alone requires a parent with full cover at another insurer.
The combination fits less well if the lowest premium is decisive or if no parent has full cover with another insurer. For these cases we show better alternatives from our comparison in our advice.
SDK insures a child alone if at least one parent has full cover with another insurer. If this is not the case, the Kindernachversicherung through a parent insured with SDK is the usual route. We clarify this together before the application.
The outpatient plan AM10 allows a guaranteed switch to a plan level with a deductible without new health questions. For a switch to a higher benefit level, the statutory right to change plan under § 204 VVG also applies.
No. The combination works without a deductible. The outpatient module AM10 has no share of your own, so preventive care and treatment are reimbursed without a billing hurdle.
The premium rises with the technical entry age. If an adjustment is large, we check plan optimization together, and you can find the specific premium adjustments at SDK 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.
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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