Part II
IKHT tariff - Health costs supplementary insurance

This rate is applicable in connection with Part I - General Provisions for Medical Expenses Insurance and (Daily) Hospital Benefit Insurance.

1. Insurance eligibility

Persons who have their permanent residence in the Grand Duchy of Luxembourg. Eligibility for acceptance ends on reaching the age of 70 years.

2. Benefits from the insurer

a) Benefit amount

The amount of the agreed hospital daily benefit is derived from the rate name. The number behind the slash indicates the agreed amount in euros (e.g. IKHT/5 = hospital daily benefit of € 5 per day).

The minimum insurance amount for hospital daily benefit is € 5. Upgrading per € 1 respectively is possible.

b) Benefit period

The agreed hospital daily benefit shall be paid without proof of costs for every day of a medically necessary stay in hospital. The day of entering and leaving hospital counts as a full day of the hospital stay.

3. Duties of the client

The premium is calculated to the corresponding entry age when the policy is concluded. The same applies to a subsequent upgrade for the added part of the insurance cover. The monthly premium instalments are calculated from the certificate of insurance and the following overview. The premiums do not include the statutory insurance tax which will be levied separately.

Click here for the premiums of the IKTF tariff.