HM Tarif Be Fit Smart
The document is a marketing brochure from HanseMerkur presenting the "Be Fit Smart" private health‑insurance package designed for civil servants (Beamte) who receive state aid (Beihilfe) or are covered by Heil‑fürsorge. It explains how the product fills the gap left by public aid, offering up to 100 % cost reimbursement when combined with Beihilfe. The brochure details the tariff structure – Ambulant + Zahn (AZS), Stationär (PSB), Pflegepflichtversicherung (PVB), Wahlleistungen (W) and Beihilfe‑Ergänzung (BES) – and outlines coverage limits for medical, dental, vision, medication, and other services. It introduces two Anwartschaft options (small and large) for those in training or long‑term Heil‑fürsorge, and describes guaranteed and performance‑based contribution refunds, health‑related discounts, and flexible upgrade paths in the 4th, 6th and 8th insurance years, including risk‑free switches. The brochure also highlights digital health services (online doctor, ServiceApp, health‑phone, health‑service portal, 24‑hour emergency line) and provides contact information. Example calculations illustrate how the Beihilfe‑Ergänzung tariff reduces out‑of‑pocket costs. Overall, the text aims to persuade civil servants that Be Fit Smart offers comprehensive, flexible, and cost‑effective health coverage complementing their public benefits.
Topics
Target Audience and Eligibility Overview
Defines the civil‑servant groups (Beihilfe‑eligible and Heil‑fürsorge‑eligible) and explains the need for supplemental private insurance.
Complementarity with Beihilfe – Coverage Percentages and Cost Reimbursement
Shows how Be Fit Smart bridges the gap left by state aid, detailing the 50 %–70 %–80 % Beihilfe rates and the matching private‑insurance percentages that together can reach up to 100 % reimbursement.
Tariff Architecture: AZS, PSB, PVB, W, and BES Components
Breaks down each sub‑tariff (Ambulant + Zahn, Stationär, Pflegepflichtversicherung, Wahlleistungen, Beihilfe‑Ergänzung) with their specific benefit items and limits.
Anwartschaft Options – Small vs. Large for Training and Long‑Term Heil‑fürsorge
Explains the two pre‑insurance options, their cost advantages, and how they allow a later switch to full coverage without new health questions.
Contribution Refund Schemes – Guaranteed and Performance‑Based
Details the guaranteed refund after a claim‑free year and the tiered, surplus‑funded refunds for multiple claim‑free years, including child‑discount rules.