HM Tarif Advanced Fit KVP
The document is a marketing brochure for HanseMerkur’s private comprehensive health insurance product “Advanced Fit”, aimed at employees. It presents the plan as a low‑cost, full‑coverage private health insurance with no deductible, offering 100 % reimbursement for outpatient, inpatient and dental treatments and 80 % for dental prostheses. The policy includes a guaranteed annual premium refund of €1,000 if no claims are made, a 10 % health‑discount for normal health values, and a tiered success‑based refund that increases with claim‑free years. Core benefits are detailed for ambulatory care (full reimbursement of doctor fees, medicines, physiotherapy, free preventive exams, vision aid allowance), inpatient care (full reimbursement, single or double room, specialist treatment), and dental care (full treatment costs, up to 80 % for prostheses). Optional add‑on modules (T, PSV, EKV2, KUT, PGA/PGS, BEN) allow coverage extensions such as income loss protection, specialist hospital treatment, annual cancer‑screening blood test (PanTum Detect®), daily hospital cash, care insurance, and senior‑age premium relief. The brochure explains upgrade rights in the 4th, 6th and 8th insurance year with limited or no risk‑loading. Pricing examples for a 35‑year‑old show a base monthly premium of €300.65, reduced to €282.61 after the health discount, and further to €199.28 after the guaranteed refund. Child coverage (Kids Fit) is also presented. Additional digital services (online doctor, ServiceApp, health hotline, 24‑hour emergency line) and health‑service programs are highlighted. Contact information and the company’s “Hand in Hand” brand promise conclude the brochure.
Topics
Advanced Fit: Full‑Coverage Private Health Insurance for Employees
Overview of the product positioning, target audience, and core promise of comprehensive coverage at a low price with no deductible.
Core Benefit Packages – Ambulant, Stationär, and Dental Coverage
Detailed description of the 100 % reimbursement for outpatient and inpatient care, 100 % dental treatment, and 80 % dental prosthesis coverage, including specific services such as medicines, physiotherapy, preventive exams, and vision aid allowance.
Financial Incentives – Guaranteed and Success‑Based Premium Refunds
Explanation of the €1,000 guaranteed annual refund for claim‑free years, the 10 % health discount for normal health values, and the tiered success‑based refund that grows with consecutive claim‑free years.
Optional Supplementary Modules (T, PSV, EKV2, KUT, PGA/PGS, BEN)
Presentation of add‑on modules that extend coverage: income loss protection (T), specialist hospital treatment and room upgrade (PSV), annual cancer‑screening blood test (EKV2), daily hospital cash (KUT), care insurance (PGA/PGS), and senior‑age premium relief (BEN).
Upgrade Pathways – Switching to Higher‑Benefit Tariffs in Years 4, 6, and 8
Policy allowing insureds to move to a higher‑benefit tariff after 4, 6, or 8 years, with limited or no risk loading (no risk test in year 4, up to 50 % risk surcharge in year 6, up to 100 % in year 8).
Pricing Scenarios – Base Premium, Discounts, and Refund Adjustments
Concrete cost examples for a 35‑year‑old male/female, showing base premium €300.65, health‑discounted €282.61, and final net premium €199.28 after the guaranteed €1,000 refund, plus child (Kids Fit) pricing.
Age‑Related Premium Relief – BEN Module for Retirement
Explanation of how the BEN add‑on reduces or eliminates the premium from age 65 onward, including tax‑free status and flexibility of contribution adjustments.
Digital Health Services – Online Doctor, ServiceApp, Health Hotline, 24‑h Emergency
Overview of the ancillary digital offerings that support policyholders: tele‑medical consultations, app‑based claim submission, health information portal, and round‑the‑clock emergency assistance.