DKV: Daily sickness benefits without health assessment

Press release 12 September 2017

DKV Deutsche Krankenversicherung's new insurance also gives persons with statutory cover and pre-existing conditions the opportunity to recoup loss of income if they fall ill. What's special about this policy is that DKV does not require the insured person to complete a medical assessment. If insured persons suffer from a lengthy illness they receive up to 30 Euros in daily sickness benefits.

The insurance of the new daily sickness benefits is limited to five years. DKV rules out any increases in premiums; they remain unchanged over the five year period. Ongoing illnesses are excluded from the benefits as are illnesses which prevented the insured person from working for more than 20 days in the two years preceding the conclusion of the contract. Interested persons can conclude the tariff under the name of KTOG with their broker or on-line (German website).

Employees are usually no longer paid by their employer if they are off work for more than six weeks. Statutory health insurance schemes then pay a sickness allowance of 70% of gross earnings but not more than 90% of net earnings. The resultant shortfall in income can become an additional strain on the person who is sick, particularly if they have to pay expensive monthly rents or loan repayments. The DKV daily sickness benefits can fill this gap.

For further information, please contact:

Sybille Schneider

Media Relations
Sybille Mellinghoff

Tel +49 211 477-5187
Fax +49 211 477-3113

About DKV
For over 80 years, the DKV has been a pioneer in the industry with needs-orientated and innovative products. The health specialist provides comprehensive health and nursing care insurance coverage, as well as health care services to customers in private and state health insurance, and organises high-quality medical care. In 2015, the company recorded a premium income of 4.8 billion euros.
DKV is the health insurance specialist of the ERGO Group and thus part of Munich Re, one of the world's leading reinsurers and risk carriers.  
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This press release contains forward-looking statements that are based on current assumptions and forecasts of the management of DKV Deutsche Krankenversicherung. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forwardlooking statements or to conform them to future events or developments.

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