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HOSPITAL HEALTH IPID EN

Résumé

Insurance Product Information Document issued by DKV Luxembourg S.A. for the HOSPITAL HEALTH tariff, a Private Health Insurance. It is additional protection for inpatient treatment without aging reserves. Cover concerns inpatient treatment (medical treatment, chief physician, accommodation, ambulance transport, hospital daily benefit) plus the optional Best Care Premium service, and applies to Europe.

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

Garanties

Inpatient treatment – Medical treatment - p. 1

Medical treatment - Optionnelle : non

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

Costs for treatment by chief physician - Optionnelle : non

Inpatient treatment – Accomodation costs - p. 1

Accomodation costs - Optionnelle : non

Inpatient treatment – Additional costs for accommodation - p. 1

Additional costs for accommodation in single or shared room - Optionnelle : non

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

One-Day-Clinic - Optionnelle : non

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

Costs for telephone connection and hire of TV set - Optionnelle : non

Inpatient treatment – Rooming-in for one parent - p. 1

Rooming-in for one parent with coinsured children (for children up to the age of 12 years) - Optionnelle : non - Condition : for children up to the age of 12 years

Inpatient treatment – Accommodation of the father at childbirth - p. 1

Accommodation of the father in the hospital at childbirth - Optionnelle : non

Inpatient treatment – Transportation to the hospital in an ambulance - p. 1

Transportation to the hospital in an ambulance up to 400 km - Optionnelle : non · Limite : up to 400 km

Inpatient treatment – Hospital daily benefit - p. 1

Hospital daily benefit of 30 € per day - Optionnelle : non · Limite : 30 € per day

Optional service: Best Care Premium – Access to a specialist - p. 1

Access to a specialist for the corresponding diagnosis - Optionnelle : oui

Optional service: Best Care Premium – Appointment guarantee - p. 1

Appointment guarantee within 5 workdays - Optionnelle : oui

Optional service: Best Care Premium – Second opinion - p. 1

Second opinion drawn by a specialist for the corresponding diagnosis - Optionnelle : oui

Optional service: Best Care Premium – Further benefits and services - p. 1

Further benefits and services are listed in the tariff brochure „Best Care Premium“ - Optionnelle : oui

Territorial scope – Europe - p. 2

Insurance cover applies to Europe - Optionnelle : non · Portée : Europe

Territorial scope – temporary sojourn in a non-European country - p. 2

Insurance cover is provided during the first month of a temporary sojourn in a non-European country - Optionnelle : non · Portée : non-European country, first month

Exclusions

Exclusion Description S'applique à Page
Claims arising prior to onset of 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
Radiation, nuclear energy, war, terrorism 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
Expenses after termination of the contract No insurance cover for expenses occurring after the termination date of the insurance contract all p. 1
Cover defined by the Terms and Conditions 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
Claims occurring during the waiting period No reimbursement of expenses for claims occurring during the waiting period all p. 1
Reimbursement limited to expenses incurred The amount of reimbursement is limited on expenses incurred. all p. 1
Other limitations 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

  • NoneNo reimbursement of expenses for claims occurring during the waiting period. Insurance cover commences not before the termination of waiting periods. The length of the waiting periods is not stated in the document. 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) 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 · Other limitations such as: If the policyholder does not arrange for payment of instalments due in due 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
  • In some situations, you might have an extraordinary cancellation right, e.g. if premium contributions are subject to an increase

Conditions particulières

  • The entire content is listed in the following documents: Your insurance application and our offer; The insurance policy and any further stipulated agreement; The General terms and conditions of insurance GCI; The tariff conditions of the insured tariff. p. 1

Lacunes d'extraction

  • edition_date: null — the document prints NO edition/version date and no reference code. The whole text layer was searched for date and version patterns: no hit. The PDF metadata carry a creation date (2018-10-12) and the InDesign file name 'IPID_HOSPITAL HEALTH_EN.indd', but that is metadata, not print, and was therefore NOT used as edition_date.
  • Polarity of the lists: the markers are BITMAP IMAGES, neither text nor vector drawings — get_text() and get_drawings() return nothing for them. Page 1 holds 24 image markers, assigned by size and x-position: 14 green ticks (7.16 × 7.94 pt, x0 = 65.1) = 'What is insured ?', 6 red crosses (7.16 × 7.22 pt, x0 = 342.7) = 'What is not insured ?', 4 orange exclamation marks (2.39 × 8.87 pt, x0 = 344.7) = 'Are there any restrictions on cover ?'. The arithmetic closes exactly: 14 + 6 + 4 = 24 images = 14 + 6 + 4 extracted items. Marker shape and colour were confirmed on a 6× render of a sibling document built from the same template. These facts cannot appear in key_quotes: they are not in the text layer.
  • Column-inversion check NEGATIVE on this document, and it needed care: the y-ranges of the two columns overlap heavily (a tick at y = 369.5 and a cross at y = 369.5), yet the flat text emits the whole left column before the right one, with no interleaving. Attachment was nevertheless rebuilt marker by marker on the abscissa. A first pass of the matcher, which only required the text to start to the right of the marker, mis-attached the four 'Best Care Premium' ticks to right-column lines; constraining the candidate to the SAME column (text start within 40 pt of the marker) fixed it. Worth recording because the wrong version still looked plausible.
  • 'Optional service: Best Care Premium' is expressly labelled optional in the document; its four items carry is_optional = true. The document says nothing about optionality for any other item, so those carry is_optional = false.
  • The length of the waiting periods is never stated; waiting_periods.duration stays null.
  • target_audience: null. The document describes the product ('Additional protection for inpatient treatment without aging reserves') but never names a customer category. Per the repo rule, the field is not deduced from the product type; the document's own wording is in target_audience_note.
  • The document states no deductible/franchise, no prescription period and no claims procedure; deductibles, prescription_period and claims_procedure stay empty.
  • Spelling kept verbatim as printed, not corrected: 'Accomodation costs' (one m) in the first item against 'Additional costs for accommodation' (two m) three lines below, and 'coinsured children'. The repo rule forbids correcting the insurer's typos.
  • Text-layer trap check: no zero-width spaces, no soft hyphens, no NFD combining accents, no PUA glyphs, no U+0007, no text outside the page rectangle, no stacked headers. The € glyph survived extraction (1 occurrence) and was not reconstructed. The footer separator uses a thin space U+2009 ('Product : HOSPITAL HEALTH').
  • The risk carrier is named in the document: 'DKV Luxembourg S.A.' (page 1 footer, with legal form). No third party (claims handler, assistance company, broker) is named anywhere.
  • The PyMuPDF re-extraction performed here is BYTE-IDENTICAL to the text supplied in the prompt (5418 = 5418 characters); the text was not truncated.

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