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If you do not have statutory health insurance, your claims arise from your private health insurance contract. Contact your private healthcare insurer directly to clarify the range of benefits covered by your insurance contract in case of treatment in another Member State or in one of the states mentioned above.
The following statements refer to a situation in which you have statutory health insurance in Germany and are planning to undergo medical treatment in another Member State or in one of the states mentioned above.
If you are planning to travel to another Member State or to one of the states mentioned above to undergo medical treatment there and have statutory health insurance in Germany, there are two possibilities open to you:
The two possibilities differ in terms of the
In the first case, at a), your entitlement to treatment is regulated in accordance with the European Regulations on the coordination of social security systems (Regulations (EC) 883/2004 and 987/2009). In the second case, at b), your entitlement is based on section 13 subs. 4 to 6 of Book V of the German Social Code (SGB V). Thus the provisions of the European Patient Mobility Directive – Directive 2011/24/EU – have been transposed into German Law.
We would like to give you an overview for both possibilities and point to the differences. Before making your choice, however, you should always seek the advice of your health insurance fund in person.