HM Tarif Smart Fit KVS
The document is a marketing brochure from HanseMerkur presenting the Smart Fit private full‑health‑insurance tariff (KVS) aimed at salaried employees. It positions Smart Fit as a cost‑effective, comprehensive solution that combines 100 % reimbursement for ambulatory, inpatient and dental treatments, with optional add‑on modules for extra protection. The core benefits include full coverage for primary‑care visits, a yearly PanTum Detect® blood test for early cancer detection, 90 % reimbursement for therapies, 100 % for aids, and a 10 % health‑discount when medical values are in the normal range. Two self‑deductible levels (500 € or 1 000 € per year) allow price tailoring. The brochure details the coverage for ambulatory, stationary, dental and extra services, explains the role of the primary physician, and outlines the unique cancer‑screening benefit. It describes a tiered contribution‑refund system that rewards claim‑free years, and offers guaranteed tariff upgrades in the 4th, 6th and 8th insurance year with limited or no risk‑loading. Optional Ergänzungsbausteine (T – income loss, PSV – specialist & room upgrade, EKV2 – additional ambulatory services, KUT – daily cash benefit, SBE – self‑deductible reduction after 65, BEN – contribution relief after 65) can be added. Detailed premium tables illustrate monthly costs for a 35‑year‑old male/female under various configurations, including employer subsidies, health‑discounts and contribution refunds. Age‑related reductions (removal of statutory surcharge after 60, no need for daily sickness benefit after retirement, BEN module reducing contributions to zero) are explained. The brochure also promotes digital services (online‑doctor, ServiceApp, health‑service portal, health‑phone, 24‑hour emergency call) and highlights an award (AssCompact ranking). Contact information and corporate branding conclude the material.
Topics
Smart Fit Positioning: Cost‑Effective Full Coverage for Employees
Introduces Smart Fit as a private full‑health‑insurance tariff tailored to salaried workers seeking comprehensive benefits at a low price.
Core Coverage Overview: 100 % Reimbursement for Ambulatory, Inpatient and Dental Care
Details the baseline benefits: full reimbursement for doctor visits, hospital stays (including single or double rooms), dental treatments, and 80 % for prosthetics.
Primary‑Care Emphasis and Cost‑Saving Mechanism
Explains the policy’s focus on the primary physician as first contact, increasing reimbursement from 80 % to 100 % for treatments initiated there.
Unique Cancer‑Early‑Detection Offering (PanTum Detect® Blood Test)
Describes the annual blood test for early tumor detection, covered under the EKV2 add‑on, and the associated imaging (PET/CT, MRI).
Health‑Discount and Claim‑Free Contribution Refund Scheme
Outlines the 10 % health‑discount for normal‑range health values and the tiered contribution refund (200 €–500 €) for years without claims.
Self‑Deductible Options and Pricing Flexibility
Presents the two annual self‑deductible levels (500 € or 1 000 €) and how higher deductibles lower monthly premiums.
Guaranteed Tariff Upgrade Path in Years 4, 6, 8
Details the right to move to a higher‑benefit tariff after 4, 6 and 8 years, with limited or no risk loading (0 %‑100 %).