Pre-existing conditions and exclusions
In brief
Some plans may exclude pre-existing conditions or restrict benefits for them. Whether and to what extent this applies in an individual case is determined solely by the applicable insurance terms and by the insurer or provider.
Type of sources used
The page draws on official general information services and on publicly available provider information, each with a review date.
The general principle
Some plans may exclude pre-existing conditions or restrict benefits for them. Whether this is the case follows from the insurance terms that apply.
The individual case is decided solely by the insurer or provider.
What this page deliberately does not state
This page names no diagnoses, no waiting or look-back periods, no plan-specific inclusions or exclusions and no outcome of a health declaration. It also contains no comparison table on pre-existing conditions.
No assessment of any person's state of health takes place here.
Where individual questions belong
Please direct individual questions about pre-existing conditions exclusively to Care Concept AG, ideally before concluding a contract.
Questions about this page
- Is my pre-existing condition covered?
- This page cannot answer that. The insurance terms and the information provided by the insurer or provider are decisive.
- Where do I get binding information?
- Exclusively from Care Concept AG or the insurer, in each case on the basis of the insurance terms.
Where to verify this authoritatively
Binding information on exclusions and restrictions is set out in the insurance terms and in the provider's own information.
General information on the health insurance system is published by the Federal Ministry of Health.
Sources
- Online guide to health insurance
- Publisher:
- Federal Ministry of Health (Germany)
- Classification:
- Official source
- Scope:
- Official overview of the German health insurance system
- Reviewed on:
Note
This page is deliberately general and does not replace information from the insurer. No assessment of any state of health takes place.