Skip to content

COMPACT HEALTH IPID EN

Résumé

Insurance Product Information Document (IPID) for DKV Luxembourg S.A.'s COMPACT HEALTH product. The document states the type of insurance as « Additional protection for holders of a statutory insurance, without aging reserves ». It lists 15 covered benefits across outpatient, dental and inpatient treatment, 4 further benefits under the « Optional service: Best Care Premium », 6 items that are not insured and 4 restrictions on cover. Cover applies to Europe, and to the first month of a temporary sojourn in a non-European country.

  • Assureur : DKV Luxembourg · Branche : Complémentaire santé · Type : IPID / Fiche d'information

Garanties

Outpatient treatment : Visual aids up to 250 € every two years (spectacles incl. frames/contact lenses), lasik treatment * Reimbursement independent of the confirmation of the statutory health insurance or a change in diopter - p. 1

Visual aids up to 250 € every two years (spectacles incl. frames/contact lenses), lasik treatment * Reimbursement independent of the confirmation of the statutory health insurance or a change in diopter - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Dental treatment : Dental treatment - p. 1

Dental treatment - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Dental treatment : Dental deep cleaning up to 75 € every year, such as Airflow - p. 1

Dental deep cleaning up to 75 € every year, such as Airflow - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Dental treatment : Replacement teeth (prostheses, implants, pontics), crowns, inlays - p. 1

Replacement teeth (prostheses, implants, pontics), crowns, inlays - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Dental treatment : Orthodontics - p. 1

Orthodontics - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Medical treatment - p. 1

Medical treatment - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Costs for treatment by chief physician - p. 1

Costs for treatment by chief physician - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Accomodation costs - p. 1

Accomodation costs - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Additional costs for accommodation in single or shared room - p. 1

Additional costs for accommodation in single or shared room - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : One-Day-Clinic - p. 1

One-Day-Clinic - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Costs for telephone connection and hire of TV set - p. 1

Costs for telephone connection and hire of TV set - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Rooming-in for one parent with coinsured children (for children up to the age of 12 years) - p. 1

Rooming-in for one parent with coinsured children (for children up to the age of 12 years) - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Accommodation of the father in the hospital at childbirth - p. 1

Accommodation of the father in the hospital at childbirth - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Transportation to the hospital in an ambulance up to 400 km - p. 1

Transportation to the hospital in an ambulance up to 400 km - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Inpatient treatment : Hospital daily benefit of 30 € per day - p. 1

Hospital daily benefit of 30 € per day - Optionnelle : non · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Optional service: Best Care Premium : Access to a specialist for the corresponding diagnosis - p. 1

Access to a specialist for the corresponding diagnosis - Optionnelle : oui · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Optional service: Best Care Premium : Appointment guarantee within 5 workdays - p. 1

Appointment guarantee within 5 workdays - Optionnelle : oui · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Optional service: Best Care Premium : Second opinion drawn by a specialist for the corresponding diagnosis - p. 1

Second opinion drawn by a specialist for the corresponding diagnosis - Optionnelle : oui · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Optional service: Best Care Premium : Further benefits and services are listed in the tariff brochure „Best Care Premium“ - p. 1

Further benefits and services are listed in the tariff brochure „Best Care Premium“ - Optionnelle : oui · Portée : Insurance cover applies to Europe; insurance cover is provided during the first month of a temporary sojourn in a non-European country (p. 2). · Limite : « The amount of reimbursement is limited on expenses incurred » and « Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff » (p. 1).

Exclusions

Exclusion Description S'applique à Page
No insurance cover for claims which arise prior to the onset of insurance cover. No insurance cover for claims which arise prior to the onset of insurance cover. all p. 1
All further treatments All further treatments all p. 1
Damage caused by exposure to radiation or nuclear energy and damage caused by war, civil war, unrest, terrorism or comparable situations Damage caused by exposure to radiation or nuclear energy and damage caused by war, civil war, unrest, terrorism or comparable situations all p. 1
Prevention, health cure and sanatorium treatment Prevention, health cure and sanatorium treatment all p. 1
Not medical necessary treatments Not medical necessary treatments all p. 1
No insurance cover for expenses occurring after the termination date of the insurance contract No insurance cover for expenses occurring after the termination date of the insurance contract all p. 1
Restriction de couverture : Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff. Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance and in the tariff conditions of the corresponding tariff. all p. 1
Restriction de couverture : No reimbursement of expenses for claims occurring during the waiting period No reimbursement of expenses for claims occurring during the waiting period all p. 1
Restriction de couverture : The amount of reimbursement is limited on expenses incurred. The amount of reimbursement is limited on expenses incurred. all p. 1
Restriction de couverture : Other limitations such as: - Breach of obligations - If the policyholder does not arrange for payment of instalments due in due time - During sojourn in a non-European country Other limitations such as: - Breach of obligations - If the policyholder does not arrange for payment of instalments due in due time - During sojourn in a non-European country all p. 1

Délais d'attente

  • None« No reimbursement of expenses for claims occurring during the waiting period » — waiting periods are invoked but never quantified in this IPID. p. 1

Obligations de l'assuré

  • The policyholder and the person insured are obliged to furnish on demand any information and documentation necessary in order to determine an insurance claim (On demand / on claim) p. 2
  • Persons insured are obliged to undergo a medical examination performed by a medical consultant on behalf of the company if requested to do so by the insurance company (If requested by the insurance company) p. 2
  • The policyholder is obliged to pay the agreed premium plus taxes on time (On time) p. 2

Durée & résiliation

  • Durée : Insurance cover commences in accordance with the time period stated in the policy document (commencement of insurance); however, not before the insurance contract has been concluded, i.e. not before the insurance policy has been signed by both contractual partners and not before the termination of waiting periods. Insurance cover ends - including any insurance claims which may be still pending - when the insurance contract is terminated.
  • Reconduction tacite : oui
  • Préavis : Period of notice to cancel the insurance contract is 30 days
  • Modalité : Cancellation must be effected in writing
  • Droit spécial : The policyholder can contest the automatic renewal of the insurance contract by notifying the insurance company with effect at the end of the insurance year, however, not before termination of the second insurance year at the earliest
  • Droit spécial : As a policyholder, you may limit the cancelation of the insurance to a single insured person in your insurance contract
  • Droit spécial : The cancellation is only valid provided that the policyholder can prove that the insured persons affected by this were informed of notification to cancel
  • Droit spécial : In some situations, you might have an extraordinary cancellation right, e.g. if premium contributions are subject to an increase
  • Droit spécial : Insurance cover is terminated, for example; in case of: Cancellation of the insurance contract; Death of the insured person; Non-compliance with the requirements of a risk/person to be insured stipulated in the tariff conditions

Prime

  • The first instalment/premium payment must be paid at the latest immediately after the insurance policy has been given to the policy holder, however, not before the inception date of insurance cover indicated on the insurance policy
  • All other premiums are due, depending on the agreed method of payment, at the beginning of the agreed contribution period
  • Premium payment can be effected via bank transfer or via direct debit mandate in favor of the insurer. Should you opt for monthly instalments, it is indispensable to arrange for a direct debit mandate in favor of the insurer

Conditions particulières

  • The IPID refers to the insurance application and the insurer's offer, the insurance policy and any further stipulated agreement, the General terms and conditions of insurance GCI, and the tariff conditions of the insured tariff. p. 1
    • Reimbursement independent of the confirmation of the statutory health insurance or a change in diopter — footnote attached to the visual-aids benefit. p. 1

Lacunes d'extraction

  • edition_date : null, et reference : null. Le document n'imprime AUCUNE date d'édition, aucun code de version, aucune référence interne — vérifié par balayage du calque texte de toutes les pages ET des métadonnées XMP/DocInfo. La date de création du fichier PDF n'est pas une date d'édition imprimée et n'a pas été reportée. Ne pas déduire de date du nom de fichier.
  • target_audience : null. La phrase de cible imprimée (« Additional protection for holders of a statutory insurance, without aging reserves ») ne correspond à aucune valeur de l'énumération ; elle est conservée verbatim dans target_audience_note.
  • Polarité établie sur le MARQUEUR, jamais sur la colonne. Les marqueurs de cet IPID sont des IMAGES PLACÉES : invisibles à get_text ET à get_drawings. Signature dimensionnelle stable : coche verte 7,16 × 7,94 pt = couvert ; croix rouge 7,16 × 7,22 pt = non couvert ; point d'exclamation orange 2,39 × 8,87 pt = restriction de couverture. Confirmée au rendu. Les items ont été reconstruits marqueur par marqueur (ordonnée du marqueur jusqu'au marqueur suivant de la même colonne), et la coupure de colonnes a été MESURÉE sur le document, pas supposée à mi-page. Ces faits de comptage ne peuvent pas figurer en key_quotes : ils ne sont pas du texte.
  • Comptes fermés page 1 : 19 coches (x0 65,1) = 19 garanties, 6 croix (x0 342,7) = 6 exclusions, 4 « ! » (x0 344,7) = 4 restrictions ; 29 marqueurs pour 29 items. Page 2 : 2 coches dans l'encadré « Where am I covered ? », reportées en territorial_scope. Coupure de colonnes mesurée à x = 203,9 pt.
  • Porteur du risque : DKV Luxembourg S.A., nommé sur le bandeau de tête (« DKV Luxembourg S.A. - Product : COMPACT HEALTH »). Seule entité nommée du document : aucun gestionnaire de sinistres, assisteur, courtier ni réseau de soins n'y figure. Ni forme juridique développée, ni siège, ni numéro de registre, ni verbe de portage (« underwritten by », « insured by ») : l'attribution repose sur le seul bandeau produit.
  • is_optional : les 4 prestations Best Care Premium sont marquées true parce que le document imprime la rubrique « Optional service: Best Care Premium ». Les 15 autres sont marquées false (encadré « What is insured ? » sans mention d'option).
  • Montants chiffrés, verbatim : « Visual aids up to 250 € every two years », « Dental deep cleaning up to 75 € every year », « Hospital daily benefit of 30 € per day », « Transportation to the hospital in an ambulance up to 400 km ». Le glyphe € est présent dans le calque texte (3 occurrences, contrôlées) : pas de perte d'unité sur ce document.
  • Fautes d'orthographe de l'éditeur conservées telles quelles, non corrigées : « Accomodation costs » (un seul m) et « cancelation » (un seul l). Le guillemet ouvrant bas-de-casse allemand U+201E est utilisé dans „Best Care Premium“ : conservé.
  • Contrôle d'inversion de colonnes : NÉGATIF sur ce document. Marqueur et abscisse concordent pour tous les items, le texte plat émet la colonne « couvert » avant la colonne « non couvert », et aucun encadré ne déborde dans la colonne voisine. Contrôle effectué sur CE document, non généralisé depuis un document frère du même gabarit.
  • Quirk de lecture à plat, sans conséquence sur les rattachements : le bandeau de tête, imprimé en HAUT de la page (« Assurance maladie privée / Document d'information sur le produit d'assurance / DKV Luxembourg S.A. - Produit : … » ou son équivalent DE/EN), est émis EN DERNIER par get_text. Une lecture séquentielle placerait l'identité de l'assureur après les exclusions.
  • Les 3 tirets sous « Other limitations such as: » (Breach of obligations ; If the policyholder does not arrange for payment of instalments due in due time ; During sojourn in a non-European country) sont des items de second niveau sans marqueur image propre ; ils sont conservés dans la description de leur item « ! » parent.
  • Convention de nommage des garanties : « : ». Les deux chaînes sont verbatim ; le séparateur « : » est ajouté par l'extraction parce que le schéma n'a pas de champ pour la rubrique de regroupement. Les items des encadrés « non assuré » et « exclusions » ne sont pas préfixés (leur seule rubrique est le titre de l'encadré).
  • deductibles : null — aucune franchise n'est mentionnée. Des délais de carence sont invoqués sans être chiffrés (voir waiting_periods).

Documents liés

Source & fidélité