Compact Rate without a deductible.

Transcription

1 Compact Rate without a deductible. 100% for medical treatment, medication and bandages, vaccinations and checkups. A refund will be made up to the maximum rates of the fee schedule for doctors (medical fee schedule). 100% for aid in mediation / Preliminary examination by SIGNAL Health Insurance or if the resource is not more than 1,000 euros in costs (otherwise 80%). 100% for remedies in the case of serious illnesses (usually 80%). 80% up to a total invoice amount of 2,000 euros in a calendar year, we will refund medical practitioner services. You get high-quality dental services with the maximum rates of fees for dentists (100% for dental treatment, up to 90% for oral surgery and up to 100% for orthodontics). You have the free choice of hospital including single and double rooms and chief physician treatment without rate limitation from the maximum rates of GOÄ. Alternatively, please see the waiver of optional benefits for a replacement hospital daily allowance of maximum 50 euros. It is a performance-related premium refund paid in 3 monthly installments. In addition, an exemption is granted from the fourth month after intensive nursing care. An option right allows you to switch to even better rates, pertaining to the product range; 36 or 72 months after commencement of insurance (does not apply to R Rate varient = Training rates). PVN Private care insurance with reimbursement of expenses for maintenance or provision of care allowance and other nursing services. All these premiums are based on a monthly payment, with annual payment reduced to 4%, with semiannual payment by 2%. Exception: rate PflegeBAHR Note for nursing insurance with a student premium: The premium for nursing insurance on the current valid maximum premium for students, professionals and vocational students is limited. This limitation will apply when a certificate is presented. This limitation ends when the client 34 years old. This proposal is an excerpt from the rates of the SIGNAL Health Insurance a. G. Specifically, the General Conditions Part I, II and III.

2 We offer custom health care coverage - comfortable, comprehensive and inexpensive! Private rates EXCLUSIVE 0 or education fees private R EXCLUSIVE 0 Full insurance with no deductible. This hedge protects you comprehensively, for example, if you visit a specialist. You can take a high-quality dental care services. In the inpatient sector you have a free choice of hospital without daily personal rates including single or double room or treatment from the head physician. Outpatient services with 100% medical treatment You can choose the doctor you trust; Your choice is not limited to panel doctors. Of course, the same goes for specialists - without transfer or other formalities. We provide up to a maximum sentence of Fees (GOÄ). 100% Checkups We will refund all the checkups, when there is the need for early detection of diseases Examinations and treatments in diagnostic centers are subject to prior approval by SIGNAL Health Insurance a. G. 100% Vaccinations You will receive the cost of vaccinations including the expenses for the vaccine,for example, flu vaccination, travel vaccinations, using the state-recommended vaccinations. 100% Medicines All approved drugs prescribed by doctors and dressings that are obtained at a pharmacy. In addition, medications, which have proved promising in practice as a success or that are used because no allopathic medicine is available. These are refunded as homeopathic and anthroposophical medicines and herbal medicines. 80% Naturopathic treatment including regulations The treatment by naturopathic practitioner is also possible. We will refund to the maximum rate the Schedule of Fees (GebüH) for scientifically recognized healing methods and a Invoice amount of 2,000 EUR per calendar year. 80% Outpatient psychotherapy Up to 50 sessions of psychotherapy per year, up to the maximum rates of GOÄ are refundable, unless they are carried out by doctors or arranged and monitored by them. This also applies to private practices of licensed psychological psychotherapists or child and adolescent psychotherapists. From the 31st session prior written approval is required. 100% Outpatient transport costs Costs shall be refundable for medically necessary transportation, inability to walk to the next possible healing practitioner and trips for dialysis, chemotherapy or radiotherapy. 100% / 80% Remedy, speech therapy, occupational therapy We provide 100% unless there is a serious disease, otherwise 80% of the reimbursable

3 invoice amount. Serious illnesses within the meaning of these terms and conditions apply: Cancer (malignant neoplasms), kidney failure requiring dialysis, multiple sclerosis, rheumatoid arthritis, Alzheimer's disease, Parkinson's disease, the loss of large limbs, traumatic brain injury, paraplegia, polio, burns, stroke, vertebral fracture, amyotrophic lateral sclerosis, osteoarthritis in the knee or the hip, ankylosing spondylitis, cystic fibrosis. 100% Therapeutic appliances Costs shall be refundable for therapeutic appliances (excluding vision aids), physical disabilities directly to mitigate or compensate. Therapeutic appliances do not apply to sanitary supplies and medical therapeutic equipment (eg. As heating pads, thermometer). Therapeutic appliances of the same kind, with a purchase price up to and including 1,000 euros (or their maintenance and repairs) are refunded once per calendar year without the prior approval of the SIGNAL Health Insurance a.g. A prior agreement is required if these tools (or their maintenance and repair) are to be reimbursed more than once per calendar year. Therapeutic appliances with a purchase price of about 1,000 euros as well as maintenance and repair costs, which exceed the amount, are subject to the prior approval of the SIGNAL Health Insurance a.g. If obtained prior to agreement, the costs are covered, in the same quality and design of a possible alternative and more cost-effective form of care (rent, lease, purchase) or in respect of the therapeutic appliance through a cooperation partner of the SIGNAL Health Insurance a.g. 100% Vision / vision correction surgery The eligible costs for eyeglass frames incl. glasses up to 300 euros (from 8 diopters up to 600 euros) or contact lenses. A new claim for reimbursement is made every 2 calendar years or sooner when changing a prescription of at least 0.5 diopters in one eye. After 3 calendar years from policy activation after the rate EXCLUSIVE gives a right to reimbursement for refractive laser eye correction (LASIK / LASEK). We assume the cost (total for both eyes) up to a maximum eligible amount invoiced of up to EUR 1,500. If the refund for the refractive laser vision correction in claim is taken, then from the respective calendar year, operations and visual aid costs are refunded the next five calendar years. At the dentist Dental treatment, prophylaxis, professional tooth cleaning to 100% (See '' Notes on dental services '') The insurance covers up to the maximum rates of fees for doctors (medical fee schedule) and dentists (GOZ) the costs of dental treatment including x-rays and oral and periodontal disease treatment, apicoectomies and similar small interventions. Likewise, the expenses for two professional dental cleanings (PZR) are refunded. Dentures up to 90% (See ''Notes on dental services'') Dentures are reimbursable up to the maximum rates of GOÄ / GOZ, including single crowns and inlays, repairs and costs for implant services, analytic and therapeutic measures. For

4 the 1st and 2nd calendar year the refund is 90%. If no annual dental checkup is performed. It is reduced from the 3rd calendar year, with the reimbursement rate for dental prosthesis from 90% to 80%, in the following year to 75%. This can be increased again 90% by renewed annual checkups without any findings. Orthodontics 80% + 20% in addition, upon successful completion of treatment. (See ''Notes on dental services'') Services reimbursable up to the maximum rates of GOÄ / GOZ the cost of orthodontics. The treatment must be started before the age of 21 years. Material and laboratory costs (See '' Notes on dental services '') The costs are eligible up to a medium price range; the amounts may be obtained at SIGNAL insurance. The reimbursement percentage depends on whether it is dental treatment, dentures or orthodontic treatment; the material and labor costs are reimbursed at the same percentage. Limits Benefit amounts under the plan - In the first year of insurance up to 750 euros. - In the first two years of insurance total to 1,500 euros. - In the first three years of insurance total to 3,000 euros. - In the first four years of insurance total to 4,500 euros. From the fifth year of insurance, the limit is omitted. The maximum rates are accounted for with accidents. Notes for the dental services Any excess of the expected overall cost of dental treatment over 2,500 euro please give us the medical cost projection prior to the start of a treatment. The fees for issuing the treatment and cost plan is carried by SIGNAL Health Insurance a. G. At the hospital 100% General hospital services General hospital services are covered, as in public health insurance. However SIGNAL Health Insurance eliminates daily personal rates and gives you free choice of hospital. 100% Optional service ''doctor'' Separately calculable medical services are refundable without rate limit on the maximum rates of fees for doctors (medical fee schedule). 100% Elective services '' one or two bedrooms '' We will refund the extra costs for accommodation in a single room or separately calculable double room. 100% Stationary Transportation costs If medically necessary transport costs to and from the nearest suitable hospital, also from

5 abroad (medically meaningful and defensible foreign repatriation); in case of death abroad up to 11,000 euros for repatriation costs or funeral in the case of death. Alternative daily money In the absence of the choice of optional service '' doctor '' a daily hospital benefit of 30 euros will be paid, in waiver of the elective service "or semiprivate room" 20 euros (people under 20 years 15 or 10 euros). Companion for children in hospital (rooming-in) The separately calculable costs for accommodation of a parent in certain conditions collectively for a period of 14 days with max. 25 euros taken daily. Alternative: outpatient surgery an additional 200 euro You will receive in addition to the recoverable costs at an outpatient surgery according to 115 b SGB V a lump sum of 200 euros. Other services 80% Drug rehabilitation treatment The insurance covers the cost of the first treatment, which is normally not reimbursed. Written confirmation is before treatment is required. The cost of nicotine withdrawal will not be accepted. Other services / innovation Stationary rooming an accompanying person or grant in a domestic caregiver You will receive, under certain conditions for a maximum of four weeks per calendar year 10 euro per hour (max. 80 euros per day). Exoneration term care From the fourth month after finding a long-term care in level 3, the insured person is exempt from the payment of fees for a period of care at this stage. High premium refunds (BRE) The BRE is an important part of the business policy of the SIGNAL Health Insurance. It was therefore already decided that our qualifying clients during the years 2015, 2016 and 2017 receive premium refunds. Take no claims (except rated checkups and programs introduced by law, dental care, vaccinations). You will get one performance-related premium refund of 3 monthly fees. The BRE is already paid for the calendar year of the insurance, even if there is no complete calendar year; in this case on a pro rated payment. Flexible Option right (Does not apply to R-tariff variant = Special conditions for training periods) High flexibility: 36 months once 72 months after initial start of the insurance in EXCLUSIVE can change rates without a medical examination with better rates for time of transition to the active product portfolio. For each existing conversion option you must inform us two months before the option expiration dates.

6 Rates PVN / PVB Nursing care insurance Possible long-term care is determined by a medical report; carried out depending on the classification in one of the three following levels of care, according to the amount of monthly services needed: Care Level I - greatly in need of care home care: 468 euros care benefit in kind or 244 euros attendance allowance inpatient care: 1,064 euro refund Care Level II Intensive nursing care home care: 1144 euors in kind or care 458 euros attendance allowance inpatient care: 1,330 euro refund Care Level III Intensive nursing care home care: 1612 euros in kind or care 728 euros for attendance allowance inpatient care: 1,612 euro refund Residential care expenses for general care services in nursing homes are refundable up to 1612 euros (in individual cases up to 1995 euros) per calendar month. The insured person pays for food and lodging The services include the social security of caregivers (statutory accident and pension insurance) and care courses for relatives. In (aid) care duty tariff PVB our reimbursement is a percentage to the above is considered a supplement to maintain care. Individuals with limited everyday skills receive an additional monthly support amount of up to 208 euros. This benefit is also paid when the conditions of the care level I are not met. This proposal is an excerpt from the tariffs of the SIGNAL Health Insurance a. G. Specifically, the General Conditions Part I apply, II and III.

7 Information for statutory pension supplement (Applies to all health tariffs) Since private health insurance companies collect a statutory pension surcharge of 10% of dues from their new customers to stabilize the rates with age, in accordance with the adopted Law on Health Reform 2000 on The statutory pension supplement from the age 22 and until the end of the calendar year where the age of 60 is completed is raised by SIGNAL. After that, all of the pension supplement accumulated funds (incl. The attributable to these pension supplement surpluses) until the age of 65 continue to bear the interest created. From the age of 65 the necessary premium adjustments are fully or partially paid for with this money. Thus, the contribution remains largely stable at this age. From the 80th year of the insured, remaining funds are also used for rate reduction. For the following rates within comprehensive health insurance (does not apply to defined benefit insurance, training rates and the 20V-level of aid rates) a pension supplement of 10% is required: START, START-PLUS, COMFORT, COMFORT PLUS, exclusive, exclusive PLUS, START-B, B-COMFORT, EXCLUSIVE-B. Only in conjunction with active full insurance: COMFORT BW, COMFORT BE (1), exclusive- BW, EXCLUSIVE-B-E (1), exclusive-b-es. For base fares BTN and BTB, special rules apply with statutory pension supplement: The total rate is included and the maximum pension supplement with the amount of statutory health insurance is limited. The proportion of the pension surcharge in the total rate can therefore be 10% or less or even be non-existent. Another improvement for our members: Since 01/01/2000 we raised all the tariffs to be paid for '' direct '' surplus use without impact on the rate. The interest on the aging provision, which already has the factored discount rate beyond will now be credited to 90%. In the past SIGNAL could reach the legally required minimum return on the aging reserves through the profitable return on investments. This way, we already have built many significant resources to contribute savings in old age - and without the legal pension supplement. Conclusion: It's worth it in any case to switch health insurance to SIGNAL. Because strength for your 10% "increase" of the rate, you get substantial rate stability in old age. This is also with companies in which the pension provision was also previously been capitalized. SIGNAL will do more for your health insurance in old age in the future.

8 Leaflet for Citizens Relief Act (Applies to all comprehensive health insurance) Citizens Relief Act allows higher tax relief for private health insurance - families in particular benefit. Since , rates for compulsory health insurance and a private comprehensive health insurance tax have been strongly considered. They are like provident expenses and can be considered deductible taxable income. This "involved" the tax office in large part to increase hospital and nursing home assessed rates. From this new regulation, it is especially beneficial like the PKV-insured. Your contributions to full private health insurance (including private rate relief (PEB) aid rates and authorized eligibility rates for medical care) are tax deductible with the rate percentage, which complies with legal services. The legal health level rates will not be considered as a rule. The exact determination of these shares and regulates the so-called Health Insurance Contribution Shares -Determination Regulation (KVBEVO). Your rates to private care insurance are deductible at 100%. The rates can also be used for children, co-insured spouses and life, after Civil Partnership Act, and are recognized as pension expenses for tax purposes. For which rates you can consider tax, please refer to your proposal. Prerequisite: Consent to the disclosure of information to the tax office and an entry of the Tax Identification Number must be available per request. A few more details Tax deductibility of pension contributions Eligible health insurance and care insurance payments can fully be tax deductible. To this end, there is no transfer amount limit. Should payments under the maximum rates of 1,900 EUR for employees / officers or 2,800 EUR come from self-employed individuals (for married couples to double these amounts accordingly) in a year, the difference be "exhausted" by additional pension payments for tax purposes. Other pension costs are payments to unemployment, accident, disability, liability or risk insurance, care insurance and the contributions paid for more health benefits. Note for reversionary insured medical care authorized If medical care beneficiaries with their entire pension costs with the annual ceiling of not exceeding 1900 euros per person, you can actually make payments tax deductible as defined benefit insurance and care insurance. If the limit should not be reached by then, the difference may used for payments for hospital and supplementary nursing insurance. Rate test The rate test was introduced as part of the Retirement Income Act. For all pension expenses (including your health and nursing insurance contributions), the tax deductibility volume will be applicable to the Civil Relief Act to the deduction of the volume to the 2004 law. The

9 higher amount is then tax deductible. The Tax Office will automatically perform the rate test until 2019, when it will no longer be performed. Non-deductible rates Contributions are not tax deductible for the federal fund rates, calling plans or tariffs that exclusively provide health Insurance coverage options (especially in the inpatient area). Premium refunds and employer payments Any rebates reduce the tax to be applied in annual payments: in the health insurance with the percentage, which also applies fully for long-term care for tax deductibility of your payments. Workers must also consider that the employer's share (maximum 50% of the health insurance contribution) cannot be considered for tax purposes. Care contributions fully deductible Care contributions are 100% deductible. Employees must consider that the institutions' contributions (maximum 50% of the nursing compulsory contribution) cannot be claimed with taxes. One tip The tax savings from your nursing care insurance can be used for the conclusion of SIGNAL nursing care rates. Please inform yourself! Disclaimer The tax statements in the proposal are not binding. Legally binding information on the amount of your deductible medical and nursing care insurance payments and their tax effect can only give you the actual tax office grant.

10 Health Management in the SIGNAL Health Insurance a. G. Information Medical Assistance Our customers do not just want quick settlement costs. We offer more - and all without more payments. We remain on the side of our "fully-insured" - especially when they are sick! Our team consists of doctors, healthcare professionals and insurance salespeople. Our Service When it comes to hospitalization, our policyholders need to make important decisions - Right now you are burdened enough with worry and stress. We are your personal contact during the illness and after. We advise and support our "Fully insured" in the search for the best clinic and organization of recording organization and delivery of individually tailored tools organization of outpatient treatment after hospitalization This service is part of the Policy Conditions. Our priorities: Orthopedics (artificial joints, amputations, herniated discs) Neurology (stroke, brain hemorrhage, traumatic brain injury, spinal cord injury) Cardiology (heart attacks, heart surgery / transplantation) Metabolic disease (diabetes, dyslipidemia) Psychotherapy, psychiatry and psychosomatic (e. g. depression, eating disorders) Another top-notch service of the SIGNAL Health Insurance a. G. for all "fully insured" is the Health Hotline Our customers receive information on all medical issues (eg second medical opinion, information about treatment methods and drugs, preventive vaccines, designation of clinics and therapists). This service is available for our customers at a reasonable local rate - 24 hours a day, seven days a week.