HM Tarif Start Fit KVS
The PDF is a marketing brochure for HanseMerkur’s private full‑health‑insurance product “Start Fit”, aimed at price‑conscious self‑employed individuals, freelancers, singles and families. It presents the core tariff (KVS) with 100 % coverage for outpatient, inpatient and dental treatment and 80 % for dental prosthetics, offered with a choice of €500 or €1 000 annual deductible. Detailed benefit tables describe outpatient (full reimbursement for primary‑care treatment, 90 % for therapies, 100 % for aids, €100 eyeglass allowance), inpatient (full reimbursement, single or double room, specialist care), and dental (full treatment, up to 80 % for prosthetics). Additional perks include a 10 % health‑discount for normal health values, a performance‑based contribution refund (€200‑€500 after 1‑4 claim‑free years), and free preventive‑care programmes. The brochure explains a guaranteed upgrade path in insurance years 4, 6 and 8 to higher‑benefit tariffs, with risk surcharges of 0 %, up to 50 % and up to 100 % respectively. Optional supplementary modules (KUT, T, PSV/clinic A, EKV2, SBE, BEN) can be added for income‑loss protection, specialist hospital care, cancer‑early‑detection tests, reduced deductible after 65 years, and contribution relief. Pricing examples for a 35‑year‑old show a monthly premium of €412.75 (including health discount) with €1 000 deductible, and a breakdown of each module’s cost. The brochure also outlines retirement‑age benefits (removal of statutory surcharge from age 60, no need for daily sickness benefit, BEN module reduces contributions from age 65). Digital service offerings – online doctor, service app, health‑phone, 24 h emergency, health‑service portal – are highlighted. The document ends with award information (AssCompact ranking #1), contact details and branding slogans.
Topics
Start Fit Core Tariff – Full‑Coverage Private Health Insurance
Overview of the base product (KVS) offering 100 % outpatient, inpatient and dental treatment coverage and 80 % dental prosthetics, with €500 or €1 000 annual deductible choices.
Benefit Details – Outpatient, Inpatient and Dental Services
Specific reimbursement percentages, allowances for medical aids, eyeglass allowance, and hospital room/specialist options.
Financial Incentives – Health Discount and Contribution Refund
10 % discount for normal health values and a tiered, performance‑based refund (€200‑€500) after claim‑free years, plus free preventive‑care programme.
Guaranteed Upgrade Path – Higher‑Benefit Tariffs in Years 4, 6, 8
Mechanism allowing policyholders to move to a higher‑benefit tariff after 4, 6 and 8 years, with risk surcharges of 0 %, up to 50 % and up to 100 % respectively.
Optional Supplementary Modules (Bausteine) – Customising Protection
List and purpose of add‑on modules: KUT (income‑loss), T (self‑employment loss), PSV/clinic A (specialist hospital care), EKV2 (cancer early detection), SBE (deductible reduction after 65), BEN (contribution relief).
Pricing Example – 35‑Year‑Old Policyholder
Detailed monthly premium breakdown for €1 000 and €500 deductible options, including costs of each optional module and the net amount after health discount.
Retirement‑Age Benefits – Lower Contributions After 60/65
Removal of statutory surcharge from age 60, no need for daily sickness benefit, and the BEN module’s contribution reduction from age 65.
Digital Health Services – Online Doctor, Service App, Health Phone, 24 h Emergency
Description of the suite of digital tools and services offered to policyholders for convenient medical assistance.