Additional protection for hospital stays - extra benefits for inpatients

KlinikSpezial provides maximum comfort and protection should you have to stay in hospital. As it is not limited to particular insured events, it comes with a higher premium.

KlinikSpezial key benefits

• the plan covers you for 100 per cent of the covered costs of a hospital stay
• parent accommodation for families with children in hospital
• private patient status
• your plan pays €150 if inpatient surgery can be avoided by having outpatient surgery

Children in hospital: If your child is also covered by this plan and needs to stay in hospital, you can keep your child company and stay there too without thinking about the extra cost. This plan pays up to 80 per cent of the cost of accommodation and meals in the hospital for you as parent staying up to 14 days provided your child is not older than nine and you are at least 21 years old.

This plan comes with a low premium and gives you some extra protection if you need to stay in hospital due to an accident.

Akut key benefits

• the plan pays 100 per cent of the insured costs of a hospital stay following an accident
• private patient status

When there is an accident, every second matters. To find out what injuries you have suffered, the doctor may need to cut away your clothes or shoes. Replacing garments or other things that have been damaged can easily cost you a couple of hundred euros – expenses that are not covered by any insurance.

A daily hospital cash benefit can help you cover these unexpected expenses: Our plan pays you a fixed cash benefit for each day you have to stay in hospital. It is up to you to decide what you would like to spend the money on.

Stay flexible: You can determine the amount you would like to receive - up to a maximum of 60 euros per day. You will be paid the amount agreed for the whole time you are in hospital.

• daily hospital cash benefit
• not limited to a fixed number of days
• you can determine the amount you would like to be paid
• up to 60 euros a day

Good to know: we do not reimburse you for actual expenses, for example the amount you paid for a new pair of shoes. What we pay is a hospital cash benefit which you are free to use any way you like.