HM PKV Gesundheitsrabatt
The brochure from HanseMerkur explains a 10 % health discount (Gesundheitsrabatt) available to policyholders of the Start Fit, Advanced Fit, Smart Fit, and Top Fit private health insurance tariffs. Eligible customers must be non‑smokers, at least 20 years old (excluding apprenticeship versions), and have health measurements within defined insurance‑technical norm ranges: blood pressure ≤ 140/90 mm Hg, fasting glucose 65‑120 mg/dl (3.6‑6.7 mmol/l), uric acid ≤ 7.0 mg/dl, cholesterol < 230 mg/dl, and BMI 19‑25 kg/m². The insurer covers the cost of the medical examination if the contract is concluded. The application process involves sending a form with the policy, the insured confirming non‑smoker status, signing and giving it to a doctor, and the doctor returning the completed form within six weeks. If returned on time, the discount starts at the beginning of the second insurance month; otherwise it starts on the first day of the following month. The discount is guaranteed at least until 30 June of the second insurance year, with renewal forms sent in advance. Contact details for HanseMerkur are provided.
Topics
Eligibility Criteria for the 10 % Health Discount
Conditions a policyholder must meet to qualify: non‑smoker status, age 20 + (excluding apprenticeship tariffs), and health values within insurance‑technical norm ranges.
Defined Health Metrics and Thresholds
Specific medical measurements used to assess eligibility: blood pressure ≤ 140/90 mm Hg, fasting glucose 65‑120 mg/dl (3.6‑6.7 mmol/l), uric acid ≤ 7.0 mg/dl, cholesterol < 230 mg/dl, BMI 19‑25 kg/m².
Application Workflow for the Gesundheitsrabatt
Step‑by‑step process: insurer sends form, insured confirms non‑smoker status, signs and gives form to doctor, doctor returns completed form within six weeks, discount is applied based on return timing.
Financial and Temporal Aspects of the Discount
Details on the 10 % reduction, insurer covering examination costs, start dates (second month or next month), minimum validity until 30 June of the second insurance year, and renewal procedure.
HanseMerkur Contact and Support Information
Company address, phone, fax, email, website, and link to health service portal for further inquiries or form requests.