HM Tarif Be Fit Start
The brochure presents HanseMerkur’s “Be Fit Start” private full‑health‑insurance package designed specifically for civil‑service trainees (Beamtenanwärter) and referendars. It explains that trainees can freely choose private health insurance, gaining broader benefits than statutory insurers and complementing the state‑provided Beihilfe. The core offering starts at €44.42 per month, with a refundable contribution of €240 per year that can lower the effective premium to €24.42. Coverage includes comprehensive ambulatory care, inpatient care (regular and optional private‑room/Chief‑physician options), dental care, and a range of supplemental tariffs (KBE, KUT, KH, PVB, PG) that fill gaps left by Beihilfe, cover travel, hospital daily allowances, and private long‑term care. Regional variations (e.g., higher Beihilfe rates in Hessen) and special rules for soldiers, police, and firefighters are noted. The brochure also highlights value‑added services such as a 24‑hour emergency hotline, a mobile invoice app, online doctor consultations, and a health‑information hotline. Contact details for HanseMerkur are provided at the end.
Topics
Target Audience & Freedom of Choice for Civil‑Service Trainees
Defines Beamtenanwärter and Referendare as the primary customers and stresses their right to select private health insurance independently of statutory constraints.
Pricing Model with Contribution Refund and Stable Premiums
Details the base premium (€44.42/month), the €240 annual contribution refund that can reduce the effective cost to €24.42/month, and the guarantee of stable contributions for up to 48 months.
Core Coverage: Ambulatory, Inpatient, and Dental Benefits
Lists the comprehensive medical services covered, including doctor and specialist visits, psychotherapy, medication, aids, glasses, hospital stays (regular and optional private‑room/Chief‑physician), and dental care (including prophylaxis, orthodontics, and prosthetics).
Beihilfe Gaps and Supplementary Tariffs (KBE, KUT, KH, PVB, PG)
Explains the 50 % (or higher in Hessen) Beihilfe reimbursement, the remaining uncovered portion, and how each supplemental tariff addresses specific gaps: KBE for additional medical services, KUT for cure costs, KH for hospital daily allowance, PVB for private long‑term care, and PG for private care‑supplement insurance.