Best People-Oriented Service Our 2021 Service Overview
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Best People-Oriented Service Our 2021 Service Overview
2
Welcome!
We are delighted to welcome you as part of the
Daimler family. Daimler BKK is there for you, made
exclusively to address your healthcare needs.
We provide benefits to cover you in many areas.
We’re not here for everyone – only for you! Who can remain a member?
· Members who switch to another job within Daimler AG or to
Our health insurance fund covers Daimler AG, Mercedes-Benz another employer
AG, Daimler Mobility AG, Daimler Truck AG and a number of other · Members who take part-time phased early retirement
affiliated companies; we would be pleased to send you a list on · Members who take (early) retirement
request. If you work for one of these companies, you – and your · Students and interns who were previously covered with us
family members – can obtain insurance from us. through family insurance
· Children who were previously covered with us through family
Who can become a member? insurance
· Employees of Daimler AG, Mercedes-Benz AG, Daimler Mobility AG, · Spouses and life partners (as defined by the German law on life
Daimler Truck AG and other affiliated companies who do not have partnerships) of our members who were covered with us through
private insurance family insurance
· Employees who are returning from an assignment in a foreign · Employees of the Daimler Group who are not covered while on
country and are (re-)employed in a role for which insurance cover is an assignment abroad but would like to be covered once they
mandatory return to Germany
· Pension claimants and retirees who used to be employed by one of
the above-named companies
· Spouses and life partners (as defined by the German law on life
partnerships) of our members who are insured through another
statutory health insurance fund
Note:
For the reader’s convenience, the text frequently refers to male pro- Only the applicable laws and our articles of association are legally
nouns only. Naturally, this text is inclusive of all genders. This brochure binding. Should you have any queries, please do not hesitate to
provides you with a summary of Daimler’s healthcare benefits. contact us.
3
KUBUS is a national representative
survey. When it comes to assisting
insurance holders, we outperformed
the other health insurers to earn
1st place!
Who is covered by family insurance? Freedom of Choice is Awesome!
We provide health insurance coverage for your entire family: spouses,
life partners (as defined by the German law on life partnerships) and Germany’s new law on switching health insurers makes it even
children of our members are also insured without having to pay any easier to join us.
additional premiums, provided their monthly income does not exceed Effective January 1, 2020, the length of time you are required to
certain statutory limits. We would be pleased to inform you of the remain with an insurer after choosing one is now only 12 months
current income thresholds. If one parent is not insured through a (as opposed to a requirement of 18 months until the end of 2020).
statutory health insurance fund, special terms and conditions apply to Members who wish to switch to Daimler BKK simply need to inform
the children. We would also be pleased to advise you on this matter. us of their desire to do so. We will handle the rest by contacting your
current health insurer and notifying your employer. Written notice of
When are children covered by your insurance? policy cancellation is no longer necessary. Nevertheless, you still
· Usually up to their 18th birthday need to fill out an application. We make it easy to do that online.
· Up to their 23rd birthday if they are not employed
· Up to their 25th birthday if they are still at school or are completing If you are a brand-new Daimler employee, then come to us. Whenever
a year of voluntary social/environmental work; periods of voluntary you change employers, you have two weeks after the start of your
military service or recognized voluntary community service extend employment to switch insurers.
their entitlement to insurance coverage by a maximum of one year
· Indefinitely if they cannot support themselves financially due to Refer a Friend
disability If you are happy with us, please refer us to friends, family, and
coworkers. As a thank-you, you will receive a 20-euro bonus.
www.daimler-bkk.com, web code 4868
4
Top-Notch Service,
Even Online
Quick, Easy and Practical. We provide you with the best
advice and many services in digital form that make your
life easier. Our website and app are a trademark of
Daimler BKK’s smart service.
Online – from Day One Our Website – Your Benefits
Are you not yet a member of Daimler BKK but would like to know the You can receive health tips, access all Daimler BKK services, find
easiest way possible to join us? We recommend that you fill out the online forms and much more information – all with a click of the
online application on our website. There, you will also find a ton of mouse. Receive our most up-to-date offers at any time by visiting
information about our company, plus solid arguments on why you our website at www.daimler-bkk.com. There, we provide you with all
should become a member – for example, 99% happy customers! important documents and forms for your membership.
Checking back will be worth your while over and over again.
www.daimler-bkk.com, web code 17
Become a Member Online The Daimler BKK App – with Even More Convenience
Simply follow this direct link to the Daimler BKK online application:
daimler-bkk.com/onlineeintritt/ It’s fast, easy to use and practical. With the Daimler BKK app, our
services are always at your fingertips. The Daimler BKK app is
available free of charge on Google Play (Android) and the App Store
(Apple). Some of our services on the app require one-time registration
through our online customer center. Register today for the full range of
the app’s features. You will have instant access to any and all services
that you need.
www.daimler-bkk.com, web code 4830
5
“My Daimler BKK” Quick Clarification of Family Insurance
We must have your “Questionnaire on reviewing family insurance” in
Our Online Customer Center through the Daimler BKK App or on order to keep our insurance information up to date. If you have family
Our Website members that are insured with us, we will regularly need to request
The “My Daimler BKK” button allows you to take care of many things some important details from you – either using our website or with the
right away, 24/7! Do you need a membership certificate? Would you Daimler BKK app. You can now conveniently fill out the questionnaire
like to inform us of your new address or send us a message? These are online – with just a few clicks.
only a few of our services, but our online customer center can do a lot,
lot more. It’s well worth taking a moment to register. Expanded Document Upload Options
You asked, and you received. From osteopathy to RückenPlus back
Digital Mailbox therapy to pre-natal care, preventive health checks and more – My
My Mailbox is an especially practical service. It is your personal Daimler BKK lets you send the documents we need, when we need
channel for exchanging letters and documents. Things do not get any them.
faster or more secure.
Other benefits
The digital mailbox allows you to find everything at a glance whenever By using the Daimler BKK app, you always have contact information for
you need it. You will, of course, be notified whenever you receive a our customer centers and can reach us directly via the app. You can
new message. You won’t miss a thing. Thanks to two-factor authenti- change your personal information, such as telephone number or bank
cation, we ensure all data transmitted is secure. details, or upload documents. Your data will be transmitted securely.
Other practical features are the video consultations, the “tinnitracks”
Sending Us Your Sickness Notification neurotherapy for tinnitus, the 7Mind app or the BabyCare app, all of
Caught the flu? Have a torn ligament? My Daimler BKK allows you to which are available in the “Digital Care” section. We are constantly
send your sickness notification (medical certificate of incapacity) to us. adding new features.
6
Stay healthy
Keep fit! At work, in everyday life, or within the family –
with our targeted service and many free extras, we help you to look
after and improve your health.
7
01 Stay healthy at work
01.1 Tips from the professionals
01.2 ourses at the workplace and nearby
C
01.3 Tips, advice and assistance
02 Stay healthy in everyday life.
02.1 Getting off to a good start
02.2 Looking after your health and having fun
02.3 Health checks for your own
peace of mind
02.4 Extra check-ups for him and her
02.5 Don’t give infectious diseases a chance
02.6 Looking after your teeth
02.7 Keeping your vision clear with glasses
and contact lenses
02.8 Rewarding health-conscious
employees
03 Stay healthy within the family.
03.1 Pregnancy and check-ups
03.2 Supporting you through childbirth
03.3 For the healthy development of
your child
03.4 When someone is ill at home
03.5 Health cures for mothers, fathers
and children
03.6 Health pays off for the whole family
04 Stay healthy on vacation.
04.1 Plan before you set off
04.2 Medical care on vacation
8 STAY HEALTHY
01 Stay healthy at work. Together with Daimler’s
health management team, we customize a
personal program for you.
Workplace health promotion: We’re on it! Together with the Workplace health promotion reward model *
Daimler Group’s health management team, we support the health Maintaining and improving the health of the workforce: this was
promotion offers and activities for workplace health programs at the purpose behind the development of our scientifically supported
the sites. This is a win for all Daimler employees. Don’t miss this workplace health promotion reward model. It rewards outstanding
opportunity to maintain your health for years to come. commitment at Daimler Group plants, sales regions and logistics
centers with bonus payments. All of the money is used for workplace
health promotion initiatives at the sites.
01.1
This ensures that all employees of the Daimler Group benefit from
Tips from the professionals the funds, and that workplace health promotion is strengthened over
the long term. Together with the health management department, we
Promotion of health in the workplace have continued developing the workplace health promotion rewards
We see the promotion of healthcare within the company as a long- program over the years. The working relationship with the individual
term, systematic process. Using our tools for promoting health in the sites significantly contributes to this program’s success.
workplace, we work together with the Daimler Group’s health man-
agement team to achieve the Daimler Group’s ultimate goal of having
healthy employees in a healthy company.
Examples of workplace health programs we support include: Whenever you see the
➔ Fit@Work: Equipment for fitness training “WHP-sponsored” signet,
➔ TopFit@Daimler: Management seminar for mindful and healthy we are participating in that measure.
leadership
➔ Health campaign: Focused – Spotlight on a Healthy Work Successful rewards program
Environment, Now and in the Future Since it was founded 12 years ago, our BGF rewards program has con-
➔ Physiotraining in the workplace tinued to grow. It is a central instrument established to promote health
➔ Mobile Strength Training – Back Exercises for Production Workers within the company. To date, we have invested 9.9 million euros in the
on the Go BGF rewards program to implement and further develop BGF activities.
Each year, 45 locations take part in the BGF rewards model to benefit
Online workplace health promotion (BGF) from our consultations and financial benefits.
Mindful breaks (quick relaxation), exercise, ergonomics and the home
office, or eating in stressful situations – many workplace health pro- Free use of the company medical service *
motion offerings can be broadcast in video format, providing interest- In an emergency, our members who are Daimler employees can use the
ed members with the benefit of taking part wherever they are. During company medical service (CMS) at the company sites free of charge. If
the current coronavirus pandemic, we are expanding our offerings. you require any medication or vaccinations as a result of this treatment,
the company’s medical service will charge these costs to us.
Health reports
Our health reports offer an informative analysis tool for calculating Flu vaccination *
the sickness figures at the sites. These analyses enable us to derive Active Daimler employees can receive this vaccination at many Daimler
targeted measures for all employees at Daimler AG and our members, Group locations from the company medical service. The vaccination
such as the development of needs-based courses. schedule is published on Daimler’s social internet and notice boards.
STAY HEALTHY 9
01.2 Our service
Courses at the workplace and nearby
“My Daimler BKK”
RückenPlus * This 24-hour online service is not just
Get moving again without pain – thanks to a scientifically tested training for shift workers. All you need is your
program for the back, shoulders, hips and knees. The RückenPlus insurance number and a password,
program is geared to Daimler employees with recurring problems. The and you can access exclusive
first step is an examination by the company doctor to verify that you information, features and services.
have a medical need. The training itself takes place in small groups of They are also available using the
up to eight people and is held in modern facilities near your place of Daimler BKK app.
work. Specialist trainers lead the 30 to 36 training sessions and provide
personalized exercise plans for you to follow at home.
Personal advice at your workplace
How you benefit: We come to you. On request, we can
➔ Easy access following referral by the company doctor visit you in your place of work, at
➔ Detailed initial analysis and final analysis to provide a comparison home or in the hospital.
➔ Training in small groups under expert guidance
➔ Use of sophisticated training equipment
➔ Personalized exercise program to follow at home and accompany- Do something for yourself
ing workbook Entertaining instruction on exercise,
nutrition, relaxation and sleep. In
Cost coverage for the RückenPlus program cooperation with your partners, the
The program starts with six to twelve units, the costs of which are first exciting videos and podcasts
settled on the basis of a physiotherapy prescription. This gives you an have been uploaded to the most
introduction to the physiotherapy aspects of the program. You pay the popular video and music streaming
statutory contribution of 10 percent. For twelve training sessions, this portals.
amounts to approximately €50. We will reimburse the full cost of the Simply subscribe to the channel, and
subsequent 24 training sessions if you take part in the program regularly. become health smart.
➔ w ww.daimler-bkk.com,
Programs for trainees web code 5880
Trainees and apprentices at our sites have the opportunity to attend
exclusive, quality-assured courses on prevention and healthcare that
are specially tailored to the needs of those who are just starting out
on their career paths. In many cases, we also act as a partner to the
health management department when executing these measures,
helping to support health promotion activities for trainees in the
Daimler Group.
Healthcare courses held near the workplace
In collaboration with the health centers and SG Stern Germany, we
provide quality-certified healthcare courses that are tailored to the
personal needs of our members. Conveniently, the classes are held
near the workplace – often at the health center of the location. We pay
90 percent of the course fees, up to a maximum of €150. We subsidize
up to two health classes each calendar year.
* Extra services offered by Daimler BKK
10 STAY HEALTHY
01.3
Tips, advice and assistance
Health risks in the workplace
Smoking, alcohol, hostile work environments, workaholism – none
of these is acceptable in the workplace. We provide information and
advice on these issues. By creating awareness, we help to improve
your personal health and that of your colleagues. Further information
on these matters can be found on our website:
www.daimler-bkk.com, web code 1509
Psychosomatic intervention *
Swift and professional help for psychosomatic problems: you can
attend up to eight personal appointments at recognized psychoso-
matic centers as an outpatient following a referral from the company
doctor, from the Daimler AG counselor, or directly from us. The aim
is to increase your quality of life, enable you to continue working,
and avoid any risk of becoming incapacitated. The appointments
are of course voluntary, confidential and subject to legal duties of
nondisclosure. We cover the costs.STAY HEALTHY 11
02 Stay healthy in everyday life by looking after
yourself and being active. Not easy, but far easier
with the right packages.
Our health is dependent on a wide range of factors that we are Appointment service of the Associations of Statutory Health
not always able to influence ourselves. To a certain extent, how- Insurance Physicians
ever, every individual can actively do something for their health The regional appointment service guarantees a maximum waiting
in their day-to-day lives. Lifestyle and nutrition play a major role time of four weeks for a specialist appointment. With the exception of
here. Our services and packages are designed to help you to lead ophthalmologists and gynecologists, this requires you to have been
a healthy life. After all, prevention is the best medicine, and it referred to a specialist. Our website contains all of the telephone
improves your quality of life. numbers for the Associations of Statutory Health Insurance Physicians
sorted by German federal state.
02.1 www.daimler-bkk.com, web code 4958
Getting off to a good start Daimler BKK activity week (“Aktivwoche”) *
These healthcare programs are especially popular because they are
Trainees and newcomers welcome! both enjoyable and useful. Our activity weeks are fun and beneficial
Trainees and newcomers can take full advantage of Daimler BKK’s to your health. There are a variety of options for all age groups and
services. These are available to all those who start their careers in lifestyles. Best of all, we pay the full cost of these programs; all you
the Daimler Group. They can even keep their membership going if have to do is pay for your accommodation and meals.
they later change employer. What’s more, the children of Daimler
BKK members have the unique opportunity to keep their Daimler Where would you like to get moving?
BKK policy when they begin their training, irrespective of where they ➔ Aktivwoche.Original – includes a diverse range of activities
start their traineeship. Our new members quickly realize that we’re for all ages
not just another insurance provider. We offer so much more than our ➔ Aktivwoche.Xtensive – for anyone who likes a challenge
competitors. ➔ Aktivwoche.Extra – for women, men, families, young people and
the young at heart
Programs for trainees at Daimler ➔ Aktivwoche.Special – focusing on topics such as stress manage-
At some Daimler sites, our trainees and apprentices have the oppor- ment, stronger back muscles, endurance, and healthy eating
tunity to take part in exclusive prevention and healthcare courses that
are specially tailored to the needs of those who are just starting out You will find a digital registration form on our website. Check your
on their career path. As a cooperation partner for the Health & Safety schedule, complete the form, and send it to us – preferably through
unit, we support health promotion activities for trainees and young your digital mailbox – and your registration is complete.
employees in the Daimler Group.
www.daimler-bkk.com, web code 364
02.2
Well-Aktiv *
Looking after your health and having fun “Well-Aktiv” is the name of our compact course for improving your
health in beautifully scenic surroundings. Over the course of four or
Prevention measures from Daimler BKK five days, we invite you to take preventive action to take care of and
We want our members to stay fit and healthy. That’s why we actively improve your health. As with the BKK activity weeks, we cover the full
support you by subsidizing two prevention initiatives each year cost of the program itself; all you have to do is pay for your accommo-
focusing on the following topics. dations and meals.
➔ Exercise
➔ Diet Check the scheduled dates on our website, fill out the form provided,
➔ Stress relief / relaxation and simply send it to us through your digital mailbox. We make it easy
➔ Addiction and substance abuse for you to take part.
You can also find all our subsidized courses online, thanks to our www.daimler-bkk.com, web code 543
healthcare course database.
www.daimler-bkk.com, web code 382
* Extra services offered by Daimler BKK12 STAY HEALTHY
Our service 02.3
Health checks for your own peace of mind
Daimler BKK Newsletter
Services and benefits, medical facts, Health checks for ages 18 and up
legal changes – no matter what the Anyone aged 18 or older can use this service for early detection of
news relates to, you will hear about the risks to their own health. This health exam checks blood pressure
it straight away with our monthly and blood sugar, which are two key risk factors for cardiovascular
Daimler BKK newsletter. disease. It also checks cholesterol, which also plays a significant role
➔ www.daimler-bkk.com, in the development of cardiovascular problems. Simple blood and
web code 5666 urine tests can identify the risk for cardiovascular disease, diabetes,
and renal disorders.
Daimler BKK app Members between the ages of 18 and 35 are entitled to one checkup.
On the go and active? No problem. Members 35 and older are entitled to one checkup every three years.
With the Daimler BKK app, you can
always access our exclusive services Healthcare for the third gender
no matter where you are. More The law provides for preventive health checks specifically for men or
information at: women. Non-binary persons are advised to speak with their doctors
➔ www.daimler-bkk.com, about which health checks they should undergo.
web code 4830
Check-ups for women
7Mind Women can have screening to enable the early detection of cancer
7Mind is the mindfulness app from the age of 20. The nature of the medical check-ups varies with
that helps our insured members age and the associated risk factors.
to just switch off once in a while.
Mindfulness is good for dealing with Regular medical check-ups for women covered by the health insur-
daily stress and experiencing the ance fund include:
here and now better. ➔ Cancer screening for ages 20+
➔ www.daimler-bkk.com, ➔ Check-up to detect cardiovascular or renal disorders, along with
Webcode 5770 diabetes and skin cancer screening for ages 35+
➔ Early detection of colon cancer for ages 50+
➔ Mammograms for ages 50 to 69
INFOMED healthcare hotline: ➔ Two colonoscopies for ages 55+, or a fecal occult blood test
+49 (0)621 54 90 18 97
The independent guide that helps Preventive care for family history of breast or ovarian cancer *
you navigate the healthcare jungle. How high is the risk of developing genetic breast or ovarian cancer?
One of our special preventive care programs is designed for women
with a significant family history of breast and ovarian cancers. If
genetic counseling and possibly testing identify a higher risk of disease,
our members are entitled to an extensive early detection program.
Reimbursement of costs for courses on breast self-examination *
Daimler BKK reimburses the full costs of breast self-exam courses,
such as those from midwives, pro familia e. V. and gynecologists for
the early detection of breast cancer.STAY HEALTHY 13
Check-ups for men * 02.4
Better safe than sorry! Look after your body and make use of the free
regular medical check-ups. An appointment with your doctor can be Extra check-ups for him and her
arranged quickly and easily.
Check-ups for those under 35 *
For every stage in life, there are various medical check-ups for men to This medical examination checks for signs of high blood pressure,
detect illness early on: cardiovascular disease, diabetes and renal damage. Every other year
➔ C heck-up for early detection of cardiovascular or renal disorders, we will refund costs up to a maximum of €30 per year, if there are
along with diabetes and skin cancer screening for ages 35+ particular risk factors present for an illness.
➔ E arly detection of prostate and testicular cancer for ages 45+
➔ E arly detection of colon cancer for ages 50+ Skin cancer screening and reflected light microscopy *
➔ T wo colonoscopies or a fecal occult blood test for ages 50+ Malignant skin tumors can be detected at an early stage through skin
➔ Early detection of an abdominal aortic aneurysm for ages 65+ cancer screening and also by using reflected light microscopy. This
simple examination method uses a microscope to examine the deep
Prostate cancer testing for men over age 20 * layers of the skin. Once a year we will reimburse costs for skin cancer
The PSA test (prostate specific antigen test) is used for the early screening and reflected light microscopy up to a maximum of €25. For
detection of prostate cancer. We recommend a thorough consultation reflected light microscopy only, we cover the costs up to a maximum
with the doctor who is conducting the test. We also cover the costs of of €10 per year, if there are particular risk factors for this illness.
the test up to a maximum of €20 per year for men with particular risk
factors for this illness. Preventive care reminder service *
The reminder service provided by your Daimler BKK: We will write to
Cancer prevention for men under 45 * you beforehand to inform you of the medical check-ups that you are
Men under 45 are now also eligible for examinations to detect cancers. entitled to – to ensure they aren’t forgotten. After all, the earlier a
We refund the costs up to a maximum of €15 per year, if there are disease is detected, the better the chance of overcoming it.
particular risk factors present for cancer.
02.5
Don’t give infectious diseases a chance
Vaccinations *
Vaccination is one of the most effective and important ways of
preventing disease. It offers the best and simplest method of protect-
ing against dangerous infectious diseases.
We will cover the cost of any vaccinations recommended by a doctor
for your home country. We will also pay the cost of any vaccinations
you may need if you are traveling abroad on business. You can obtain
the required vaccination card from us.
Flu vaccination *
A genuine flu virus is no laughing matter. You can protect yourself
against such viruses by being vaccinated in the fall, and we’ll cover the
cost. And to make things even easier for you, many workplaces within
the Daimler Group provide vaccination appointments.
* Extra services offered by Daimler BKK14 STAY HEALTHY
02.6 Dental prostheses
There are certain rules that apply to all health insurance providers.
Looking after your teeth Coverage for dental prostheses is stipulated according to medical
findings. Insurance covers 60% of the amount determined based on
Individual prophylaxis and regular check-ups * the findings and the standard care necessary as treatment. The fixed
From the age of six to 17, children should attend six-monthly dental subsidy may be increased by 10 to 15 percent if you present your
check-ups, known as individual prophylaxis, to prevent dental dental care bonus booklet.
diseases.
Private supplementary dental insurance *
This covers the following: Moderate insurance premiums and a high level of service – that’s
➔ assessment of oral hygiene status what you can expect from supplementary dental insurance tailored to
➔ advice on dental care and nutrition your individual needs. We offer various types of dental insurance – for
➔ plaque removal dental treatment and dental prostheses – through Daimler Vorsorge-
➔ fluoride treatments for teeth and und Versicherungsdienst (Daimler VVD). Daimler VVD ensures you
➔ sealing of fissures on the large, permanent molars receive high-quality treatment in return for reasonable insurance
premiums. For more information on tariffs and services, please
Our tip: make a note in your “bonus booklet” of regular check-ups and get in direct contact with our colleagues at Daimler Vorsorge- und
your oral hygiene status on that day in order to save on subsequent Versicherungsdienst (Daimler VVD).
treatment costs or the cost of dental prostheses.
www.daimler-bkk.com, web code 25
It is also important that young children have dental check-ups. If
children do not attend a group check-up at their school or kindergar- Get a second opinion, free of charge
ten, they need to have three dental check-ups between their third The patient advice centers of the German Dental Association (BZÄK)
and sixth birthdays in order to detect any problems at an early stage. and the regional Associations of Statutory Health Insurance Dentists
Pediatricians often carry out these check-ups as well. Members aged (KZVs) provide professional advice on all aspects of dental care. You
18 or over are entitled to an annual dental check-up. benefit from:
➔ free advice
Dental treatments ➔ a second opinion from another dentist
Daimler BKK will bear the cost of medically recommended and ➔ explanation of issues relating to your cost and treatment plan or a
necessary treatment. Under certain conditions, this may cover private invoice
orthodontic treatment, periodontal treatment and fillings. Further
information about cost coverage and contributions can be found on
our website under “Teeth”.STAY HEALTHY 15
02.7 02.8
Keeping your vision clear with glasses and Rewarding health-conscious employees
contact lenses
100 PRO AKTIV rewards program *
Glasses Our rewards program for those who are health conscious is called
For children and teenagers up to the age of 18 and members with 100 PRO AKTIV. Join in the fun using the app, Web form or rewards
seriously impaired vision, we will pay the agreed fixed cost of lenses card, and collect rewards points for cash. Kids and adolescents
prescribed by an ophthalmologist, provided the type chosen is between the ages of 6 and 17, as well as adults 18+, are eligible to
covered by our contract. Frames are not included in this service. participate. There have been some changes as of 2021. We will pay
10 euros for every health-related activity listed in the bonus program.
Multifocal lenses and contact lenses Children and adolescents receive 5 euros. That means those who do
Where necessary, we will pay part of the cost of multifocal lenses and – a lot for their health can earn a lot, and there is no maximum limit.
in certain circumstances – contact lenses and plastic spectacle lenses
for children and teenagers up to the age of 18. For safety reasons, Health-related activities can be performed in the following areas:
plastic lenses are always recommended for children under the age of ➔ Preventive measures that are mandatory from a medical
14 and we will, of course, cover part of these. The subsidies are based standpoint – such as cancer screening or checkups
on the lump-sum amounts for corrective lenses that are binding for all ➔ Requirements that reward active members in particular – such as
health insurers. health seminars or the BKK activity week
➔ Personal initiative for individual preventive care, such as additional
Private supplementary insurance: glasses and contact lenses * vaccinations
Want more service and benefits for clearer vision? No problem with
private supplemental insurance for glasses and contact lenses! For
more information on tariffs and services, please get in direct contact
with our colleagues at Daimler Vorsorge- und Versicherungsdienst
(Daimler VVD).
www.daimler-bkk.com, web code 2516 STAY HEALTHY
03 Stay healthy within the family. Living with children
and taking responsibility for their health – we can
help you with this.
When a new life is brought into the world, this means added Enhanced ultrasound examination
responsibility and challenges for the parents. We want you to be During the course of their pregnancy, women are generally given
able to enjoy life with your children from the very first moments. three basic ultrasound checks. During the second exam (19th to
We therefore offer you advice and cover the cost of check-ups 22nd weeks of pregnancy) expectant mothers can choose between a
and other services tailored to your needs. basic examination and an enhanced ultrasound examination that can
identify potential abnormalities. Your doctor will charge this service to
us using your health card (Gesundheitskarte).
03.1
Ultrasound examination in early pregnancy *
Pregnancy and check-ups We will cover the cost of an ultrasound examination during the early
stages of pregnancy (4th to 9thweeks) up to a maximum of €35.
Conceiving through fertility treatment *
Many couples and women who want children make use of a fertility Toxoplasmosis test *
treatment. We offer more than just the legally required cost contribu- We reimburse the cost of a toxoplasmosis test to check for immune
tion: we cover additional costs arising from the treatment plan, so long protection during the early stages of pregnancy. If there is no sign of
as both partners are insured with us. immune protection, we will also carry the cost of another two tests at
up to €30 per test.
Healthy pregnancy *
We offer an additional care service for mothers-to-be: “Healthy NT scan *
pregnancy”. Participation is voluntary and free of charge; all you need We will cover the costs of an NT scan, including laboratory services,
is for your gynecologist to be participating in the service. They will use up to a maximum of €180.
a questionnaire to assess your individual risk of premature birth and
provide comprehensive advice on personal risk factors. During early Medication for pregnant women *
pregnancy (before the start of the ninth week), a vaginal ultrasound We cover pregnant members for OTC medicines available from the
scan can be conducted to confirm that the pregnancy is intact and pharmacy containing the active ingredients iron, magnesium and
help ensure that potential complications are identified at an early folic acid (as separate or combination drugs), if requested by a doctor.
stage. Your gynecologist can also use supplementary laboratory tests Please contact us to find out the exact requirements for reimburse-
between the 16th and 24th weeks to identify hidden infections that ment of costs.
could trigger premature birth at an early stage.
Gestational diabetes
Antenatal care In Germany, gestational diabetes is one of the most common compli-
As soon as you become pregnant you are entitled to receive prenatal cations affecting pregnant women. A test can tell for sure whether a
care, which you should take advantage of in the interest of your own soon-to-be mother is affected. The procedure, which checks blood
health and that of your baby. Between the 24th and 28th weeks of sugar levels, provides women between their 24th and 28th weeks of
pregnancy, you are entitled to a test for gestational diabetes (glucose pregnancy with greater certainty. The costs are covered by us.
tolerance test) billed to us with your electronic health card. You are
entitled to two check-ups after your baby has been born. www.daimler-bkk.com, web code 4664
You can also use our service that provides advice on health insurance “Stiftung Warentest” information *
during maternity leave and parental leave. Simply inquire at your Information on screening and its benefits can be requested free of
customer center. charge (for members) from the “Stiftung Warentest” product-testing
foundation via the online customer center on our website:
www.daimler-bkk.com, web code 462STAY HEALTHY 17
BabyCare program with app * Our service
We provide this program at no cost to support women through their
pregnancy and during the first few weeks following the birth. Women
are given a handbook containing all the important information relating Download the family insurance
to pregnancy and birth, a brochure full of recipes for a healthy diet, a application online
diary for important dates such as gynecological appointments and · for 1 to 2 children
questionnaires for identifying risks particular to them. The aim is to · for 3 to 5 children
prevent premature births. · for newborns
Everyone accounted for? Found the
Baby bonus right application? Downloading the
Parents who insure their newborn child through us will receive a applications from our website is
bonus: 100 euros if one parent and child are insured with us and child’s play.
200 euros if both parents and child are insured with us. ➔ www.daimler-bkk.com,
The conditions for eligibility are that all recommended preventive web code 22
examinations were conducted during pregnancy and that neonatal
examinations U1 and U2 were performed directly after birth (certified
by a physician or copies of the mother’s pregnancy record book). Online questionnaire for family
insurance
03.2 Website or app? You can now fill
out the questionnaire even more
Supporting you through childbirth conveniently online and send it to
us. More information at:
Maternity assistance ➔ www.daimler-bkk.com,
Well looked after, right from day one. Our maternity assistance covers web code 5107
treatment by a doctor and assistance from a midwife, as well as
nursing care in a hospital or dedicated maternity facility and help at 7Mind – Pregnant Women Can
home. Please contact us to find out the exact services and terms. We Meditate, Too
will be happy to advise you. Mindfulness can relieve stress
during pregnancy. Four meditation
Midwife call-out service * sessions will help you get your mind
Midwives are invaluable in all aspects of birthing. Women nearing ready for the birth and your baby.
their due date are glad to have support they can count on day and
night. We will refund the costs of an on-call service in the last weeks
of pregnancy (generally 38th to 42nd weeks) – up to a maximum of Family hotline:
€250 per pregnancy. The midwife must be self-employed and fully +49 (0)621 54 90 18 97
registered. The trained staff at our partner
INFOMED will answer your health
Prenatal classes for her and him * questions:
One of the many advantages of prenatal classes is that they provide a · Pregnancy hotline
good opportunity to familiarize yourself with the maternity hospital or · Baby hotline
birthing center. · Youth hotline
· Parent hotline
We will cover the cost of antenatal classes offered by registered
providers:
➔ for each hour of class, generally €7.96 (in groups of up to 10 Video consultation
expectant mothers, for no more than 14 hours) Competent medical advice, wher-
➔ for individual classes on doctor‘s orders, generally €10.33 (for no ever you are. Video consultation can
more than 28 sessions, 15 minutes each). be used on the computer or via the
Daimler BKK app, at home or abroad!
We subsidize the class not only for the expectant mother. Daimler BKK ➔ www.daimler-bkk.com,
will reimburse up to €50 per year for their partners to take part, so web code 5716
long as they are also insured with us.
* Extra services offered by Daimler BKK18 STAY HEALTHY
Postnatal exercise classes aged between nine and ten years seeks to identify any problems with
We will cover the cost of postnatal exercise classes offered by performance at school, socialization and behavioral issues, dental,
registered providers: oral and maxillary abnormalities, as well as media use that could be
➔ generally €6.80 per one-hour class (up to 10 new mothers per damaging to their health, and to initiate the relevant treatment.
group, for a maximum of 10 hours)
Adolescent check-up for 12 to 14 year olds (J1)
Online pelvic exercises The onset of puberty brings with it a number of significant challenges
Over time, poor posture, excess weight and long periods of sedentary for children and their parents. It is important that the adolescent
activity can stress and weaken the pelvis. Women‘s pelvic muscles are check-up (J1) is carried out to prevent risks. The check-up focuses on
additionally stressed due to pregnancy and birth. Pelvic exercises help the early detection of illnesses that could affect physical, mental or
prevent bladder and bowel problems, as well as posture issues. Last social development.
but not least, the pelvis also plays a role in sexual relationships.
Adolescent check-up for 16 to 17 year olds (J2) *
Daimler BKK pays most of the cost for certain online classes. For this A J2 examination is recommended to monitor ongoing health devel-
purpose, you need proof of participation, which you can easily send to opments in young adults. Physicians check for (and discuss) puberty
Daimler BKK in the app. problems, abnormal posture, eating, digestive and metabolic disorders,
and other conditions. We refund the costs for J2 up to a maximum of
www.daimler-bkk.com, web code 5769 €50 if there are particular risk factors present for an illness. In some
states, if there is an agreement with the primary care provider, you
Maternity pay for women in employment only need to present your insurance card.
Maternity pay is designed to offer the financial means to enable
women in employment to prepare for the forthcoming birth of their Preventive care reminder service *
child. The amount women receive is dependent on their net earnings, We send letters to parents to remind them that their child’s next
but the maximum amount paid by the health insurance fund is check-up is due – this is a free service.
currently €13 per day. If your net earnings are higher, the difference
will be paid by your employer. Maternity pay generally begins six Full coverage of costs for vaccinations *
weeks before and ends eight or twelve weeks (for premature or Vaccination is one of the most effective and important ways of pre-
multiple births, or the birth of a disabled child) after birth. venting disease. It protects against infectious diseases, some of which
can have very severe consequences. For some of these diseases, no
03.3 effective treatment has yet been developed. So do not put yourself
and your loved ones at risk. Keep up to date with your vaccinations!
For the healthy development of your child
From flu vaccinations for adults to jabs against polio and other dis-
Vision exams for the little ones * eases for children: We will cover the cost of any doctor-recommended
The amblyopia exam is performed twice – between the age of 5 and vaccinations for your home country and for trips to foreign countries.
14 months and again between 20 and 50 months. Amblyopia is known
as a “lazy eye” or poor vision in one eye. Early diagnosis and treatment Tooth sealant *
is recommended in order to prevent lifelong vision problems, as well Dental sealant for the milk molars and permanent molars is available
as problems with school and social development. Daimler BKK covers for children aged between 6 and 17 as a form of protection from an
up to €20 for each screening. early age. We reimburse up to €7.50 per sealed tooth.
Check-ups from birth to five and a half years Orthodontic services
The sooner the better: for children, healthcare begins when they are For children and adolescents who are under the age of 18 when
a newborn in the hospital, where parents are given an examination treatment starts, we will pay 80 percent of the initial cost of any
booklet outlining exactly which examinations are due when. There are medically necessary orthodontic treatment. If several children are
exactly 10 in the first five years. The first takes place immediately after being treated at the same time, we will bear 90 percent of the costs
the birth. This is followed by nine further check-ups (U1 to U9). for the second child and each subsequent child.
More preventive care for your grade schooler *
There are two further medical check-ups (U10, U11) recommended
for grade-school-aged children. Sometimes children need specialized
support, especially in their first few years at school.
The U10 check-up is for children aged between seven and eight years.
It is used to identify any developmental and behavioral problems and
to initiate treatment where necessary. The U11 check-up for childrenSTAY HEALTHY 19
03.4 03.6
When someone is ill at home Health pays off for the whole family
Home help * 100 PRO AKTIV rewards program *
Too ill to run the household for the time being? You can apply to Our time-tested 100 PRO AKTIV rewards program makes it even easier
Daimler BKK for help with the cost of home help, if you are unable for children, adolescents and adults to take part in healthy living
to run your household. Our benefits exceed the legal requirements. activities. Everyone aged 6 and up is eligible.
Contact us for advice on the best solution for you. We will assist you
with the search or determine whether you can hire a trusted friend or Preventive care, exercise, nutrition and counseling – the more
relative as help. activities you can document, the better. Children and adolescents will
receive 5 euros per activity. Adults receive 10 euros. As of March 1,
Child sickness benefit 2021, a new online form will be available for those who wish to sign up.
You will be eligible to receive sickness benefits for a sick child if you
are unable to work because you have to look after or take care of your
child. This is provided that the child is covered by statutory health www.daimler-bkk.com, web code 4455
insurance, is under the age of 12 or has a disability and is reliant on
the help of others and that no one else in the household can take on Alternatively, you can upload the required documentation for each of
this responsibility. You can easily send medical certification of the your completed activities using our web form.
child’s illness to us using our app. We will be happy to answer any
questions you have about the exact rules. Pediatric day surgery *
Long hospital stays are very difficult for children. Pediatric day surgery
03.5 is beneficial because it uses non-aggressive surgical methods and
avoids the need for inpatient stays. We cover the costs including
Health cures for mothers, fathers and children anesthesia, supplies and services immediately before and after the
clinic visit.
Know before you go
Parents and children are under a lot of stress and strain these days.
Stress, exhaustion and chronic illness increasingly require specific
medical intervention. Prevention-oriented health cures can help to
prevent impending illnesses or undesirable developments (especially
in children). They can also show people how to adopt a healthier
lifestyle. If your current treatment where you live has proven insuffi-
cient and your doctor believes a health cure is necessary, we would
be pleased to help you. We offer advice on outpatient and inpatient
health cures, health cures for children, and health cures for mothers or
fathers and their children. Through our collaboration with a number of
quality-certified cure facilities, we can help you to find the one that is
right for you.
www.daimler-bkk.com, web code 460
Full cost coverage for health cures for children
We will cover the full cost of health cures for children. In the case
of children under the age of eight, we will also pay for the mother or
father to accompany the child.
* Extra services offered by Daimler BKK20 STAY HEALTHY
04 Stay healthy on vacation. We offer service and
peace of mind, so you can relax and enjoy your
vacation.
It’s vacation time at last. Your bags are packed and you’re on While traveling in EU countries and Switzerland you are covered by
your way. But have you considered all eventualities? We want health insurance and can obtain treatment in an emergency. A foreign
you to be able to really relax during your precious time off. We healthcare certificate or European Health Insurance Card (EHIC) is
therefore offer tips on how to prepare for your holiday along indispensable for travelers. However, your statutory entitlements
with a comprehensive international service. Everything to keep while abroad are not as extensive as those covered by private health
you healthy – before, during and after your vacation. insurance for travel abroad. Even if you have a foreign healthcare
certificate or EHIC, there may be situations in which a doctor will
only treat you if you pay in cash. Depending on the country, we are
04.1 permitted to reimburse only some – or even none – of the costs.
Statutory health insurance funds are not permitted to cover the cost
Plan before you set off of transporting you back home. We recommend that you purchase
a private foreign travel health insurance policy for every vacation,
Health insurance for travel abroad regardless of your destination.
Receiving good treatment if the worst happens while you are abroad –
we believe it is our duty to give you this peace of mind.STAY HEALTHY 21
Private health insurance for foreign travel * Our service
By taking out private health insurance for travel abroad, you are
playing it safe. The policy offers the most extensive coverage, for
example, by including return transport home. Daimler Vorsorge- und Vacation preparation
Versicherungsdienst (Daimler VVD) recommends the premium product You will find useful tips and check-
for private health insurance for travel abroad. We would be happy to lists to help get your vacation off to
tell you more about this. a good start.
www.daimler-bkk.com, web code 4887
Video consultation
German-speaking doctors outside Germany * Competent medical advice, wher-
Before you set off, you can contact INFOMED for addresses and ever you are. Video consultation can
information on doctors in the area who speak German and/or English. be used on the computer or via the
Call the health hotline at any time at +49 (0)621 5490 1897. You pay Daimler BKK app, at home or abroad!
only the telephone charges; the consultation is free of charge. ➔ www.daimler-bkk.com,
web code 5716
Reimbursement of expenses for travel vaccinations *
Different countries, different diseases. However, you can protect
yourself against many infectious diseases through vaccination. We will
cover the cost of all vaccinations recommended by your doctor. You
get the vaccinations done, submit the prescription and invoice to us,
and we will reimburse you for the full cost.
04.2
Medical care on vacation
Visiting a doctor in your home country
If you are vacationing in your country of residence, there are no
additional steps required: You can get medical and dental treatment
wherever you are in Germany. You just need to take your health card
(Gesundheitskarte) with you to the doctor’s and you will receive
treatment straight away.
Visiting a doctor abroad
You must take your health card (Gesundheitskarte) with you if you
travel to a country in the European Union (EU) or the European Eco-
nomic Area (EEA), which includes Norway, Iceland and Liechtenstein,
or to Serbia, Montenegro, Macedonia or Switzerland. The reverse of
the card incorporates the European Health Insurance Card (EHIC). You
can obtain treatment by simply showing the doctor your EHIC together
with your ID card or passport.
Exception for Serbia: Here you must present your EHIC to the local
health insurance company, which will give you a certificate showing
your entitlement to treatment.
Germany has social insurance agreements with Bosnia and Herzegov-
ina, Tunisia and Turkey. We can provide you with a special certificate of
entitlement to treatment in these countries.
The certificates of entitlement give you access to services in accor-
dance with the locally applicable laws. You need to take out private
health insurance for travel to countries in which neither the EHIC
nor any social insurance agreement is valid. You can also download
information sheets about your destination on our website.
* Extra services offered by Daimler BKK22
Get well
When you are sick you need the best possible support. We are always
there to offer practical assistance: from advice on treatment and ther-
apy options to covering costs and offering our own range of courses.
We want your treatment to be successful.23
05 Get well with rapid assistance.
05.1 Going to the hospital
05.2 Additional coverage
05.3 Going to the doctor
05.4 A linked network for successful
treatment
05.5 Receiving guidance and help
06 Get well with medication and
physical aids.
06.1 Complete overview of the costs
06.2 Adapting to physical restrictions
07 Get well with health cures,
therapies, etc.
07.1 The right health cure for me
07.2 The right treatment for your symptoms
07.3 Using the right remedies
07.4 Getting you back in shape
07.5 Finding your feet again once
you return to work24 GET WELL
05 Get well with rapid assistance. Working together
with doctors and hospitals to ensure the best
care – that is our goal.
If you fall ill, you can expect us to deliver a fully comprehensive, You will be eligible for sick pay once your salary or wages cease to
high-quality service. By working closely with doctors and be paid while you are unable to work, while you are in the hospital, or
hospitals, we make sure that you receive the best-possible during a residential health resort stay paid for by us. It is 70 percent
treatment and benefit from the full range of facilities offered by of your regular pay. The level of basic pay used to calculate sick pay
the healthcare system. This is what we consider to be profession- will be no more than the statutory income threshold (2021: €4,837.50
al, individual case management – for your benefit and for your per month, or a maximum of €161.25 per day, so sick pay at 70
speedy recovery. percent comes to €112.88). Sickness pay must not exceed 90 percent
of your net earnings. You are usually entitled to sick pay indefinitely;
for one and the same illness, however, you will be paid this benefit for
05.1 no more than 78 weeks within any three-year period.
Going into hospital Home help *
Generally we will pay the cost of home help if children need to be
Getting to the hospital looked after due to illness, a hospital or health resort admission, and
We will cover the cost of: there is no one else in the household who can take on this responsibil-
➔ Y
our journey to and from the hospital for inpatient treatment or to ity. Even if there are no children in the household but there is a need
and from a health resort for home help, you can apply for this. Our benefits exceed the legal
➔ A
mbulance trips to the hospital (even if these are not followed by requirements. Contact us for advice on the best solution for you.
inpatient treatment)
➔ P
atient transportation that requires an ambulance for medical 05.2
reasons
➔ T
ransportation to outpatient treatment if it will avoid or shorten Additional coverage
inpatient treatment, and in many cases for persons with severe
disabilities and care recipients at Level 3+ Private supplementary insurance: hospital *
If you have to stay in hospital, Daimler BKK pays for the cost of your
Patients are required by law to pay 10 percent of the transportation inpatient treatment. With private supplementary insurance for the
costs themselves; this charge will be at least €5 but no more than €10. hospital, you can enjoy added benefits and financial security. For
This additional charge does not apply to patients undergoing rehabil- example, the costs of the following services are covered:
itation. Transportation to an outpatient dental or specialist clinic will ➔ Payment of remaining costs in advance by BKK for general hospital
be paid for certain persons with severe disabilities or with restricted services
mobility, as well as care recipients from Level 3+. Transportation costs ➔ Choice of accommodation in a one- or two-bed room (depending on
to a doctor’s office can also be reimbursed only in exceptional cases member’s tariff)
with prior approval. ➔ As part of the chief physician option, we pay for private medical
treatment if you would like to choose your doctor and be treated as
Benefits during a hospital stay a private patient.
We will pay the costs of a medically necessary hospital stay. This
service includes food and accommodation as well as medical treat- For more information on this and other possible benefits, please con-
ment, surgery, medication and nursing. This also includes medically tact the team at Daimler Vorsorge- und Versicherungsdienst (Daimler
necessary transportation. Adults (aged 18 or over) must pay €10 for VVD) to arrange a personal consultation:
every day they stay in hospital. This additional payment is limited to a
maximum of 28 days in any one year. www.daimler-bkk.com, web code 25
Continued payment of salary and sick pay
If you are unable to work due to illness or because you are attending
a recognized health cure, your employer will continue to pay your
salary for up to six weeks. The same applies if you are unable to work
due to termination of pregnancy (within the scope of the law) or an
organ donation.You can also read
