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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeLow-cost cover for children with particularly stable premiums and no deductible, with strong orthodontics and accommodating claims handling.
4,96 · 235 reviews Featured in leading trade media
The Signal Iduna Exklusiv 0 is in our selection for children because it offers strong value for money. We give 9 out of 10 points each for premium stability and the starting premium, a rare combination of low cost and reliability. For families this means solid private cover without a deductible, with free choice of doctor, a single or two-bed room and a private doctor in hospital. The plan is particularly strong in dental care. Orthodontics is covered up to age 21 and is reimbursed in full on successful completion of treatment. We rate claims handling at 9 out of 10 points. For family friendliness we see 7 out of 10 points, because a child can only be insured alone from age 4. If you are looking for low-cost private cover with stable premiums and strong orthodontics for your child, the Exklusiv 0 is a convincing option.
We give 9 out of 10 points each for premium stability and the starting premium. The Exklusiv 0 thus combines a low premium with a reliable premium history, which is strong value for money, especially for cover for children planned for the long term.
Orthodontics is reimbursed at 80 percent if treatment starts up to age 21, and a further 20 percent is added on successful completion of treatment. For families who plan for braces later, this is an important argument.
We rate claims handling at 9 out of 10 points. The plan works without a deductible, covers private clinic and private doctor and also reimburses homeopathic and anthroposophic medicines as well as herbal medicines.
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 in the Exklusiv 0 is solid. Free choice of doctor and broad reimbursement of medicines contrast with more moderate cover for remedies.
Free choice of doctor, no primary doctor principle
Reimbursement up to the maximum rates, without limit for acute treatment abroad
Reimbursed, including homeopathic and anthroposophic medicines and herbal medicines
80 percent, 100 percent for serious illnesses
80 percent up to €2,000 per year according to the fee directory
80 percent for up to 50 sessions per year, approval from the 31st session
Statutory programs, one prevention course per year at 80 percent, vaccinations also beyond the recommendation
Open catalog, 100 percent, from €1,000 with prior approval
Up to €300, from 8 diopters up to €600 per 2 years, laser correction up to €1,500
In hospital the Exklusiv 0 covers the optional hospital services. A single or two-bed room and private doctor are covered, and admission of a companion is narrowly defined.
Single or two-bed room
Private doctor treatment, GOÄ for inpatient care also above the maximum rates
Treatment in private clinics is reimbursed
Up to age 10, a maximum of 14 days per year at €25 each, if a parent is insured with the insurer
€20 if you do without the two-bed room, €30 if you do without the private doctor, pro rata for children
Reimbursed, plus an additional lump sum of €200
To and from the nearest suitable hospital
For dental care, the strength of the Exklusiv 0 lies in orthodontics. Dental treatment is fully covered, and for dentures the plan rewards regular checkups.
100 percent, professional teeth cleaning twice a year
90 percent with regular prophylaxis, graded down to 75 percent without checkups
90 percent, a maximum of €1,250 per implant, including bone grafting
80 percent up to age 21, a further 20 percent on successful completion
Maximum €750 in the 1st, €1,500 up to the 2nd, €3,000 up to the 3rd and €4,500 up to the 4th year, no limit from year 5
Reimbursement up to the maximum rates
The Exklusiv 0 is a full plan without a share of your own. The suffix 0 stands for the deductible level without an annual share of your own.
No deductible
One full plan for outpatient, inpatient and dental benefits
Option for higher-level cover after 36 and 72 months
No simplified right to change plan is included
If you submit no bills, you get money back with the Exklusiv 0. There is no guaranteed lump sum, but there is a performance-based refund.
2 monthly premiums after a claim-free year, half for children
Reimbursements below the refund entitlement count as a refund and do not harm it
Preventive care under statutory programs, dental preventive care and vaccinations named in the plan do not put the refund at risk
The family modules of the Exklusiv 0 are solid, but in one area they are less generous than other plans for children: insuring a child alone.
Children can be insured alone from age 4
100 percent for organic infertility, up to 3 attempts
Worldwide up to 12 months, repatriation included
Higher-level cover after 36 and 72 months
Follow-up rehabilitation after a hospital stay is covered, health cures and sanatorium stays are not reimbursed
As a plan for children, the Exklusiv 0 includes 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. Until age 4, cover runs through an insured parent, and in our advice we plan for how the premium develops into adulthood.
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.
Low starting premium and a particularly reliable premium history, each with 9 out of 10 points.
Strong orthodontics up to age 21, at 100 percent if treatment is completed successfully.
Accommodating claims handling with 9 out of 10 points and a full plan with no deductible at all.
Broad reimbursement of medicines, including homeopathic and anthroposophic medicines and herbal medicines.
A child can only be insured alone from age 4. Before that, cover runs through an insured parent, which lowers family friendliness to 7 out of 10 points.
Remedies are generally reimbursed at 80 percent, in full only for serious illnesses. If you expect a lot of physiotherapy, keep this in mind.
Without regular checkups, reimbursement for dentures drops in steps to 75 percent, and implants are capped at €1,250 per implant.
Health cures and sanatorium treatment are not covered, only follow-up rehabilitation after a hospital stay. A simplified right to change plan is not included.
The Exklusiv 0 suits families who want to give their child low-cost private cover with stable premiums over the long term and who value strong orthodontics. If you cover the first years of life through a privately insured parent anyway, insuring the child alone only from age 4 hardly matters.
The plan is less suitable if a child is to be insured alone at an early age or if particularly strong benefits for remedies and health cures are needed. For these cases we show you better alternatives from our comparison in our advice.
Children can be insured alone from age 4. In the first years of life, cover runs through the Kindernachversicherung of a privately insured parent, with no health questions at all.
Orthodontics is reimbursed at 80 percent if treatment starts up to age 21, and a further 20 percent is added if the treatment is completed successfully. This means braces are in effect fully covered if treatment is successful. Dental benefit limits apply in the first years.
No. The Exklusiv 0 has no deductible, and the suffix 0 stands for the level without an annual own share. Preventive care and treatment are reimbursed without a billing hurdle.
The premium rises with the technical entry age. For premium stability the plan is one of the strongest in our selection. If an adjustment is still large, we check plan optimization together, and you can find the specific premium adjustments at Signal Iduna 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.
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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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