ARAG Krankenversicherung

Private comprehensive health insurance
If you are interested in private health insurance from ARAG-Krankenversicherung, you can choose between the "KomfortKlasse", "MedExtra" and "MedBest" tariffs. It is possible to switch between the plans after five years. Premiums can be adjusted at any time by changing the deductible.

After five years, policyholders can move from the Comfort Plan to a higher plan and secure maximum health protection - without a new medical examination or waiting period. With the FlexiPro optional tariff, policyholders can switch flexibly to all tariff combinations on 1 January of each year and for a maximum of ten years after the start of the insurance - again without a new medical examination and taking into account the previous insurance period. In the ARAG Junior Plan, all children living in the household are insured without a health check.

ARAG Krankenversicherung also wants to make billing easier for its policyholders. Invoices are paid directly to doctors and hospitals. This is convenient and saves time. With the ARAG Card, hospitals invoice general hospital services and accommodation costs directly.

If you stay healthy, you get money back. ARAG health insurance policyholders can expect a refund of up to three months' premiums if they do not submit bills. Policyholders who value a second medical opinion can take advantage of ARAG's TeleClinic. More than 100 physicians from various specialties are available for consultation.

The private health insurance automatically includes a powerful patient legal protection at no additional premium. This enables insured persons to assert their rights as patients if they are treated incorrectly or given inadequate information by doctors, psychotherapists, pharmacists, hospital staff or nursing services. ARAG pays the legal fees and court costs in all instances - up to one million euros per legal protection case.