Comprehensive health insurance

Private health insurance for doctors and dentists

THE MOST IMPORTANT THINGS IN BRIEF

Decide for yourself how high your deductible is
Adjust insurance coverage in specific life phases
Get contributions back if you stay healthy (only GesundProMedP)

Smart health insurance for doctors

As a doctor or dentist, you especially know how important medical care is in the event of illness. Then choose maximum comfort protection with Generali.

The My Private Protection plan series includes plans for employees, entrepreneurs, the self-employed, and freelancers, as well as a plan specifically tailored to doctors and dentists. With GesundProMed , you can decide how much your deductible is. The GesundProMedP plan is for anyone who wants to stay healthy and get their premiums back. Both plans offer you the best comprehensive coverage with an absolute deductible. In concrete terms, this means: Generali pays out as soon as you have fully exhausted your deductible.

Medical students also benefit from the services offered by the GesundProA and GesundProAP tariffs – and at a particularly attractive rate.

e.g. monthly €416.08 (Man/woman, 30 years old in the GesundProMed2 tariff, including 10% statutory contribution surcharge)

Advantages

Comprehensive hospital services
e.g. treatment by a senior physician, double room or transfer to your preferred hospital
Upgrade to single room possible
additional module EinbettPlus to GesundProMed
Outpatient services
e.g. free choice of doctor and choice of treatment method such as alternative practitioner treatment
How to keep your teeth healthy
e.g. through professional teeth cleaning, high-quality dental treatments and, in serious cases, dentures such as crowns or implants
Additional pension benefits
With lump-sum insurance contributions, we contribute to the costs—regardless of your deductible and premium refunds. Important: You remain benefit-free for one year!
Extras for children and young people
Additional services for serious illnesses, such as therapeutic horse riding or dolphin therapy
Flexible options
Adjust your coverage when financial difficulties arise. Would you like to switch to a more affordable plan at certain stages of your life? You can return to your original plan later -without a medical examination or waiting period
Stay healthy and get your contributions back with the GesundProMedP plan
Guaranteed premium refund in case of exemption from benefits in GesundProMedP

Benefits in the GesundProMed and GesundProMedP tariffs

The GesundProMed and GesundProMedP tariffs offer you maximum comfort protection: at the doctor, in the hospital and at the dentist.

In the event of illness, we are there for you and support you with our medical expertise, for example, through our comprehensive health services . And we support your preventive care needs with our flat-rate preventive care allowances of up to €300 , even if you are exempt from benefits.

We guarantee the following services. Please note the agreed deductible.

Doctor's area

Medical services

100% for free choice of doctor/specialist treatment (including doctors without health insurance approval, including services according to the Hufeland list)

Drug

100% for free choice of medicine (no generic requirement)

Aids

100% when purchased through Generali Aids Management, otherwise 80%

Remedies

100% according to the price/performance list for medicinal products

Preventive examinations

For examinations according to legally introduced programs without age or interval restrictions as well as for additional preventive services

Visual aids

up to 300 € in 2 calendar years

Psychotherapy

up to 50 sessions per calendar year, from the 51st session, 20% personal contribution per session, per calendar year

Alternative practitioner

up to €1,500 in 2 calendar years (including benefits according to the Hufeland list, psychotherapy is excluded)

Fee schedule for doctors (GOÄ)

up to maximum rate

Hospital area

General hospital services

100% with free choice of hospital (public and private hospitals)

Elective medical service

100% for specialist treatment (e.g. chief physician or senior physician)

Accommodation

100% in a 2-bed room, 100% in a single room (with additional module SinglePlus)

Desired relocation

One-time transfer to a hospital of your choice within Germany, even without medical necessity

Transport to/from hospital

Transport and trips to the hospital without mileage limit

Substitute hospital daily allowance

25 € per day if you do not use treatment by chief and attending physician, accommodation in a 2-bed room

Fee schedule for doctors (GOÄ)

above maximum rate

Dental area

Dental treatment & dental prophylaxis

100% also for high-quality care, dental prophylaxis including professional teeth cleaning

Dentures, crowns, inlays

90% taking into account the dental scale including high-quality treatments, e.g. implants

Orthodontics

90% in compliance with the dental scale (start of treatment up to and including age 19, in the event of an accident or if a severe jaw anomaly requires combined jaw surgery and orthodontic treatment)

Limitation of benefits for dentures, crowns, inlays and orthodontics (dental scale)

€1,000/2,000/3,000/4,000/5,000 in the first 1/2/3/4/5 calendar years, thereafter unlimited; the dental scale does not apply in the event of an accident.

Fee schedule for dentists (GOZ)

up to maximum rate

Additional services

Option right

After a reduction in insurance coverage for certain reasons, a later return to the original tariff is possible without a medical examination or waiting period.

Medical repatriation from abroad

Medically necessary repatriation from abroad for stays of up to 12 months worldwide, including the return of minor children

Additional benefits for children and young people up to the age of 20

In the event of a serious illness or accident, reimbursement of special forms of therapy such as therapeutic horse riding or dolphin therapy

Additionally in the GesundProMedP tariff

Guaranteed reimbursement of premiums

After 1/2/3 consecutive calendar years without benefits, you will receive a refund of 2/3/5 monthly contributions. Proof of pension coverage may be submitted to receive a lump sum.

Bill of exchange

Switch between the GesundProMedP and GesundProMed1 plans at any time – without a health check.