Additional payment for a cure

There are co-payments after the health reform

• In the 1970s and 1980s, it was much easier to enjoy a medical regimen. But since the health reform, the insured has often had to make additional payments for a cure or rehabilitation treatment. However, there are still various special features to consider.
• A special principle is symbolically that you have to make additional payments for a cure if you continue to receive your normal earnings during your stay at the cure. If the pension insurance pays the costs for the cure and you then only receive transitional allowance, you do not need to pay the daily additional payment of 10 euros, as this Co-payment has already been withheld by the pension provider.

In some cases, a cure helps

• If your health is in poor health and outpatient assistance is often not enough, your
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  Health insurance also approve a cure, which, however, is only approved for a maximum of three weeks. For such inpatient spa stays, you normally have to pay an additional payment of 10 euros for each calendar day. The co-payment does not apply if you have already been in hospital for 28 days before starting the cure. For every day paid in the hospital, there is no additional payment for the cure.
• The health disorder is so severe that you have one following your hospitalization If you have to start a rehabilitation cure, the days of hospitalization count for the co-payment obligation 28 days in addition. If, however, your pension provider does Sick pay, and you receive transition allowance during rehab, you do not have to pay any additional payments.
• There is generally no additional payment if you have already reached the hardship limit of 2% of your income. If you have a chronic illness, this limit is 1%. In addition, you do not have to make any co-payments if you receive ongoing support for your living. This means that social welfare recipients with basic security or Hartz IV recipients also do not have to pay a cent. Furthermore, you do not have to pay additional if you are not yet 18 years old.


Physiotherapy - what you should pay attention to when paying

Physiotherapy can be prescribed for you by the orthopedic surgeon. However, you must ...

• If your cure is paid for by the pension insurance and your earnings are low, you only have to pay less or no additional payments at all. If you are single and have a net income of up to 967 euros, you do not have to pay anything extra. You only pay the full 10 euros if you earn more than 1200 euros net per month. If you are married and one of your spouses receives Hartz IV, you do not have to make any additional payments for the cure.