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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
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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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With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
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PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticePremium single plan of Signal Iduna for employees with very strong family benefits, reimbursement above the maximum rates of the fee schedule and no deductible.
4,96 · 235 reviews Featured in leading trade media
The Exklusiv-SI is a premium single plan that bundles outpatient, inpatient and dental benefits in one module, without you having to combine several top-up plans. It is in our selection for employees mainly because of its family benefits, which we rate with the full score of 10 out of 10. Premium exemption during parental leave, premium-free 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 →, a companion in hospital and fertility treatment fit together neatly here. In addition there is a reimbursement practice that leaves little room for dispute when you claim. We rate claims handling at 9 out of 10 points and the premium history at 8 out of 10 as more reliable than average. The starting premium is among the higher ones on the market, and we show this honestly with 3 out of 10 points for the premium level. If you choose this plan, you pay for substance and for cover that grows with your family.
The family modules are the reason for our top score for family friendliness. During parental leave a premium exemption for up to six months is possible, newborns are insured free of premium through the Kindernachversicherung in the month of birth and the following five months, and for children up to age 14 a companion in hospital is paid up to €30 per day.
The plan rewards preventive care and personal responsibility. In addition to prevention courses and telemedicine consultations at 100 percent, there is a behavior bonus of €200 to €300 per year if the checkups required by the plan are documented with results in the normal range.
The Exklusiv-SI reimburses private doctors' fees also above the maximum rates of the fee schedule, in outpatient care, in hospital and at the dentist. This is exactly where many specialists bill, and this is one of the most important differences between plans when you claim.
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 most important line here is the fee schedule. The Exklusiv-SI reimburses fees also above the maximum rates of the GOÄ.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Statutory programs without age limit, plus 80% for one prevention course per year and up to €200 for another
Fully reimbursed, including homeopathic and anthroposophic medicines
Up to 150% of the maximum amounts of the federal allowance regulation for civil servants
Open catalog of medical aids, 100%, with prior approval from €1,000 of bills
According to the GebüH or the Hufeland directory, together with osteopathy up to €2,250 per year
Up to €600 per 2 calendar years for visual aids, up to €2,500 per eye for surgical vision correction including Lasik
100% without a limit on the number of sessions, prior approval from the 31st session
In hospital the difference between basic and premium cover is clearest. The Exklusiv-SI covers the optional hospital services and rewards doing without them with a substitute daily hospital allowance.
Single or two-bed room
Private doctor treatment, GOÄ also above the maximum rates
€20 per day if you do without a single or two-bed room, €30 if you do without a private doctor, half the rate up to age 20
Reimbursement, for general hospital services limited to 1.5 times regular hospital rates
Reimbursed, without prior approval
Treatment after prior approval, also without approval in emergencies
To the hospital up to 50 km, at least to the nearest suitable hospital
Dentures are one of the most common reasons for a claim. The Exklusiv-SI reimburses dental treatment in full and dentures at 90 percent. What you need to know are the dental benefit limits, that is the cap in the first years of insurance.
100%, including root canal and periodontal treatment, prophylaxis and professional teeth cleaning
90%, including crowns, bridges and facings
90%, including bone grafting
80% up to age 21, 100% on successful completion, 50% up to €3,000 if treatment starts later, 100% after an accident
Reimbursement also above the maximum rates
Maximum €1,500 in the 1st year, €2,500 up to the 2nd, €4,000 up to the 3rd, €6,000 up to the 4th year, unlimited from year 5, no limit after an accident
The Exklusiv-SI is a single plan without a deductible, so the modular logic with top-up plans does not apply. More important here are the rules for a later change, because they differ from the statutory standard.
No deductible, no share of your own when you claim
Switch to higher-level cover possible at the end of 36, 60 and 84 months
After a reduction of cover, it can be increased again within 6 months
Not included in the plan, the statutory right to change plan under § 204 VVG still applies
If you submit no bills, you get money back. The Exklusiv-SI combines a fixed lump sum with a performance-based refund, and preventive care does not count against you up to a limit.
€600 after the 1st, €750 after the 2nd, €900 from the 3rd claim-free year
€200 to €300 per year for documented checkups in the normal range
2 monthly premiums after a claim-free year, half for children and young people
Preventive care, vaccinations, prophylaxis and teeth cleaning up to €750 per year do not put the refund at risk
The family modules are the reason for our top score for family friendliness. They decide how comfortable everyday life is, especially when your life situation changes.
Premium exemption for up to 6 months, delivery at least 12 months after the start of insurance
Newborns free of premium in the month of birth and the following 5 months
Children can be insured alone from age 4
For children up to age 14, up to 28 days and €30 per day
100% after approval for organic infertility, limited to 3 attempts
Worldwide up to 12 months, medically necessary repatriation included
Inpatient or outpatient health cure up to €2,500 per 3 calendar years, follow-up rehabilitation without approval
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.
Family benefits at top level (10 out of 10 points): premium exemption during parental leave, premium-free Kindernachversicherung , a companion in hospital and fertility treatment.
Reimbursement also above the maximum rates of the fee schedule, for outpatient, inpatient and dental care.
Fast and fair claims handling (9 out of 10 points) and a premium history that is more reliable than average (8 out of 10).
No share of your own when you claim, because the plan is calculated without a deductible.
Option right for higher-level cover after 36, 60 and 84 months, plus a bonus for preventive care and health-conscious behavior.
The premium is above the market average (3 out of 10 points for the premium level). If price is your main criterion, you will find cheaper plans with a leaner benefit profile.
Dentures, inlays and implants are reimbursed at 90 percent, not 100 percent. You should plan for the share of your own with larger dental work.
The dental benefit limits cap dental benefits in the first four years at €1,500 to €6,000. If you plan larger dental work soon, you should allow for this.
The plan does not include a simplified right to change plan, there is only the scheduled option right. The statutory right to change under § 204 VVG still applies.
Krankentagegeld must be added separately and belongs in every calculation for employees. With pre-existing conditions we recommend an anonymous risk enquiry before the application.
The Exklusiv-SI 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 value a plan that grows with the family. From the premium-free Kindernachversicherung to a companion in hospital and fertility treatment, it is one of the strongest family options in our selection.
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.
Because several family modules work together. During parental leave a premium exemption for up to six months is possible, newborns are free of premium for six months through the Kindernachversicherung , a companion in hospital is paid until the child reaches age 14, and fertility treatment is covered at 100 percent. This is why we give the full score for family friendliness. More on this in our private health insurance advice for employees.
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.
Yes. The Exklusiv-SI includes an option right for higher-level cover at the end of 36, 60 and 84 months. Beyond that it does not include a simplified right to change. However, the statutory right to change plan under § 204 VVG always applies, and your ageing reserves are kept.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Signal Iduna'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 ARAG single plan without a deductible for employees reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →The DKV PremiumMed for employees reviewed: premium benefits from the plan terms, our rating on five key figures and who the 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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