Daily hospital allowance: protection during hospitalization

Q: When will I receive double daily allowance?

You will receive double daily hospital allowance if: for accident treatment and follow-up treatment that takes place within 5 years of the original accident in the event of hospitalisation abroad for day clinic treatment or stays

What is insurance of daily benefits?

Daily allowance insurance pays a fixed daily rate for each day spent in hospital, thus providing financial security. It compensates at least partially for the daily excess payable during a hospital stay or for the loss of income for self-employed persons. In addition, the insurance covers additional costs for transport, spa treatments or rehabilitation during a hospital stay.

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Service overview

	Daily allowance

I. INSURANCE COVERAGE

HOSPITAL DAILY ALLOWANCE

DOUBLING OF HOSPITAL DAILY ALLOWANCE ABROAD OR IN THE EVENT OF AN ACCIDENT

II. LOCAL SCOPE OF APPLICATION

WORLDWIDE COVERAGE

III. OTHER INSURANCE BENEFITS

CHILDBIRTH ALLOWANCE

SUBSIDY FOR SPA TREATMENT AND REHABILITATION

ACCOMPANYING PERSON COSTS

TRANSPORTATION COSTS

MENTAL HEALTH GRANT

DAY CLINIC TREATMENTS AND STAYS

PALLIATIVE CARE ALLOWANCE

FLAT RATE FOR MALIGNANT NEOPLASMS

optional

MY TRAVEL ASSISTANCE

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Who would benefit from daily allowance insurance?

Daily allowance insurance is particularly useful for self-employed persons and employees who depend on tips, commissions or allowances. This is because hospitalisation often reduces income. Receiving a daily allowance can compensate for loss of earnings or finance temporary replacements, for example.

How much does a hospital stay cost?

Every person covered by social insurance pays a daily excess for a stay in hospital. Hospital costs in the general fee category are regulated by law and amount to approximately €15 per day. There may be differences between federal states. If you are accommodated in the special class or in a private hospital, the additional costs must be paid privately.

The cost of a hospital stay in the special class depends on the services used. Special class insurance is the right choice to cover these private services and therapies as well as free choice of doctor.

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Costs of daily allowance insurance

The amount of the insurance premium depends on the daily allowance selected and the state of health of the insured person.

Case study: daily allowance insurance

Marius Mustermann (30) is a father of three and has been self-employed as an occupational therapist for a year. He has no pre-existing conditions, weighs 85 kg and is 175 cm tall. If he needs to be hospitalised, he will lose his entire income. Marius would like to insure himself against this with daily allowance insurance of €100 per day.

Monthly premium for My Daily Allowance €24,92

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Private health insurance for special class Enjoy the best possible medical care and maximum comfort during your stay in hospital. Choose your own team of doctors and the (private) hospital you trust.

Good to know

Frequently asked questions about insurance of daily benefits

What is a hospital daily allowance?

The hospital daily allowance is a specific amount paid to the insured person for each day of hospitalisation in the event of inpatient hospital treatment.

When will I receive double daily allowance?

You will receive double daily hospital allowance: for accident treatment and follow-up treatment that takes place within 5 years of the original accident for hospitalisation abroad for day clinic treatment or stays

How much does a hospital stay cost?

Currently, the excess for a hospital stay is around 15 euros per day. If you are accommodated in a special class, the additional costs must be paid entirely privately. Experience shows that the total costs for a special class stay range between 3,500 and 7,000 euros for most stays. The costs may vary from province to province.

When does the daily allowance insurance take effect?

The daily allowance insurance is valid from the date the contract is concluded. There is a waiting period of 7 months for examinations and treatments related to pregnancy, childbirth and miscarriages.

Can you cancel daily allowance insurance?

Yes, you can cancel the daily allowance insurance at the end of the third insurance year with three months' notice. After that, you can cancel the contract annually on the main renewal date with three months' notice.

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