How much a visit to the doctor costs

Visit to the doctor: costs and deductibles

Elective doctors freely determine their fees. You are not tied to any given tariffs (there are sometimes recommended tariffs from the Medical Association that you can use as a guide). Patients pay the fee directly to the doctor and receive part of the costs from their health insurance provider. Insured persons who visit a doctor of their choice are entitled to reimbursement of those treatment costs - to the extent of 80 percent of the amount that their health insurance provider would pay a contract doctor in this case. The 20 percent will be deducted for the increased administrative effort (processing, checking and instruction) compared to the contract doctor. However, there are also limited benefits from the health insurers for which you receive less than 80 percent.

The prerequisite for the assumption of the costs by the health insurance company is that you present the following documents and information:

  • the original fee note with
    • detailed information on the diagnosis and the individual medical services provided,
    • Your personal data or those of the co-insured persons (first and last name, date of birth, social security number),
    • Treatment date,
    • Date of issue of the invoice,
    • Invoice amount,
    • Signature and stamp of the doctor,
  • a confirmationthat you have also paid the amount (confirmation on the invoice, for example "Thank you received the amount", or receipt, payment slip or account statement),
  • Information about your bank details (Account number and bank code) and your address for transferring the amount.