Supplementary insurance for dental services, glasses and alternative health practitioners

Tailor-made for TK members

All-round protection for your health

The quick and easy way to find the best outpatient plan for you

  • all-round protection packages: one policy to cover the most important outpatient benefits
  • extra benefits for your day-to-day needs: glasses, restorative dental work, alternative health practitioners (Heilpraktiker)
  • different packages to meet different needs: focus on essential benefits or choose premium package including preventive check ups
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Extra services for TK members
tailor-made for you

Overview of our supplementary plans for outpatient healthcare

- tailor-made for TK members

Bild Envivas Tarif Zahn90Our healthcare packages are designed to complement your TK health cover. We have selected benefits from all important areas of outpatient healthcare (everything that is not related to inpatient treatment or long term care) and bundled them into attractive packages for you. Additionally, we offer products specially designed for children and young people (StarterPlus) and for senior citizens (VitalXtra). You can choose one of the following packages:

PraxisExtra: our basic plan for outpatient healthcare

PraxisTop: our premium plan for outpatient healthcare

StarterPlus: our comprehensive plan for children and young people up to 29

VitalXtra: our attractive plan for senior citizens over 60

Pro: our top-up dental plan, which can be combined with any of the above named plans

Envivas supplementary outpatient plans
Key benefits: optical products, restorative dental work and alternative health practitioners

PraxisExtra

The basic package with a focus on key benefits

When it comes to healthcare, glasses, dental restoration and alternative ways of treatment are important to many people. This private plan combines these features and gives you peace of mind.

Optical products
By optical products we mean glasses or corrective lenses. It's good news to have this covered by a private health plan.
Alternative health practitioners (Heilpraktiker)
We pay alternative health practitioner fees and prescribed medicines according to the fee schedule for alternative health practitioners. Please note: psychotherapy is not covered.

Hospital
In Germany, everyone staying in hospital has to pay a statutory hospital fee of 10 euros per day for a maximum of 28 days. Strictly speaking, hospital expenses are not part of outpatient health plans. In this case, however, we think it is important to include it. And so these expenses are fully covered.

Travel
Healthcare cover for up to six weeks for people travelling abroad. Travel health cover comes with a number of benefits. One key benefit: in a medical emergency Envivas arranges for you to be transported back to Germany if medical repatriation is medically necessary.

Dental restoration - dentures, dental implants, dental crowns and inlays
Both tooth repair and tooth replacement can be very expensive. With our dental plan you can considerably reduce your share of cost. We pay up to 40 per cent of the invoice amount. Together with the TK benefit this means a total reimbursement of up to 80 per cent of the cost of restorative dental work such as dentures, dental crowns, inlays and dental implants.

PraxisTop

Our premium package including preventive healthcare

PraxisTop includes all the benefits provided by PraxisExtra plus extra benefits for dental care and medical check-ups.

Preventive healthcare - Medical check-ups (IGeL)
With this private plan you are covered for medical check-ups and screenings which are part of the so-called IGeL services. IGeL stands for Individuelle Gesundheitsleistungen . These include a number of individual health services that go beyond the benefits that public health funds such as TK are allowed to provide. So if you want to benefit from IGeL services and do not want to pay out of your own pocket, PraxisTop is the right choice for you.

Here are some of the check-up options included:

  • improved cancer screenings, for example mammography, sonography and screenings for skin and prostate cancer
  • additional check-ups for children and young people
  • additional diagnostic tests during pregnancy
  • general check-ups, for example stroke risk or special examinations of the brain

Extra dental benefits
With PraxisTop you can drastically reduce the amount you have to pay towards the cost of dental treatment. This plan pays up to 50 per cent of the invoice amount of the cost of dentures, dental crowns, inlays and dental implants. Together with the TK benefit this means a total reimbursement of up to 100 per cent of the cost of dental work.

PraxisTop and PraxisExtra: increasing benefits for dental care

In the first five years after taking out a dental policy, you can claim for up to 1,000 euros a year of the covered dental benefits (dentures, implants etc.). So this adds up to 5,000 euros in the fifth year.
If in any given year you do not claim at all or not the full amount, the unclaimed amount will be added to what you can claim in the following years. From the sixth year or if you require an emergency dental treatment following an accident there are no benefit limitations.

StarterPlus

A good start into life

If you want to give your child the best possible protection from the very first day,  StarterPlus is the right plan for you. Parents can take out this cover for their children who can stay insured in this plan up to the age of 29. And young adults can take it out for themselves.

StarterPlus key benefits:

  • Comprehensive benefits for your child: StarterPlus provides a range of benefits from all key areas of healthcare such as inpatient, outpatient or dental care and also includes services offered by alternative health practitioners (Heilpraktiker).
  • Automatic switch to a new plan on reaching age limit: on reaching the age limit of 30, the insured can switch to another Envivas plan that has no age restrictions. Good for you: there are no health questions and waiting periods!
  • Children in hospital: if your child needs to stay in hospital, you may want to stay there too. StarterPlus pays up to 80 per cent of the cost of accommodation and meals in the hospital for one parent staying up to 14 days if your child is not older than nine.

VitalXtra

The ideal cover for everybody over 60

VitalXtra is our health plan perfectly suited to the needs of seniors.

VitalXtra key benefits:

  • No full medical underwriting: to take out this plan you just need to answer one question about your dental status
  • Benefits suited to your age: this plan combines useful benefits for people over 60. These include restorative dental work, glasses, physical therapies and worldwide travel health insurance for up to six weeks per trip.

How you can benefit from VitalExtra

Getting older often means having to deal with emerging health issues. And often these health issues make it impossible to buy private health insurance. Health insurers' medical underwriting often means that applications from older people are denied. This is where VitalXtra comes in: there are no questions about your health status or medical history except one about your dental status. This means that also people over 60 can take out private supplementary insurance that provides comprehensive benefits in many areas.

Top-up dental plan Pro

Additional dental package for preventive dental services and composite fillings

If you wish to benefit from the most comprehensive dental care, you just need to complement StarterPlus or VitalXtra with our top-up module Pro.

Preventive dental care and dental hygiene
A must-have for everyone who cares about healthy and beautiful teeth. And a vital point when considering your well-being or the success in your job. Pro includes the following dental benefits: dental cleaning (scale and polish), fluoride varnishing, fissure sealing and a periodontal disease risk test.

Composite fillings
As a public health fund, TK is not allowed to cover every dental service and treatment your dentist may recommend – and this also includes composite fillings. Pro is the right choice for you if you don't want to settle for less and don't forget: if you do not have a private dental plan which covers composite fillings, you will have to pay the cost out of your own pocket.

How you benefit

  • you make sure your teeth stay healthy: we reimburse you for 100 per cent of expenses for preventive dental care, for example dental cleaning, fluoride varnishing, fissure sealing and a periodontal disease risk test. (The maximum is 100 euros within two consecutive calendar years). Any payment made by TK will be taken into account.
  • fully covered for composite fillings: Pro pays 100 per cent of the remaining cost of composite fillings after TK has paid their share of the cost.

Interested in buying health insurance?

If you are interested in taking out insurance online, please visit our German website.