Benefits and services

Outpatient treatment includes the prevention, early detection and treatment of diseases. Services must be adequate and appropriate. As an insured member of the Deutsche Bank BKK company health insurance fund, you are free to choose any doctor, provided he/she is an approved contract doctor. This covers the vast majority of doctors, as only a few are purely ”private doctors“. In addition to the medical practices, there are also medical centres and hospital outpatient clinics that are approved for medical treatment.

The doctor charges the costs of the treatment directly to the BKK using the information on the health insurance card. If special examinations are necessary, your family doctor will refer you to a specialist e.g. an orthopaedic specialist, ophthalmologist).

The doctor will prescribe the medicines that are needed for treatment. You have to pay an excess, or additional payment, for this. The excess is generally ten percent of the price, but a minimum of 5 euros and a maximum of 10 euros per prescription. Some medicines are also exempt from excess payments. Non-prescription medicines may only be prescribed by the doctor at the expense of the health insurer in exceptional cases. You will receive the medicines in the pharmacy upon pre- sentation of the prescription issued by the doctor. This is also where the additional payment is to be made.

Unlike in other countries, medicines cannot be sold in supermarkets or drugstores in Germany, but only in pharmacies.

If an employee is unable to work due to illness, he must notify his employer immediately. The deadline for notification and the form that this must take differ from company to company. At Deutsche Bank, a telephone call is usually sufficient if the inability for work does not last longer than three days. For a longer illness, a doctor‘s note is required. Further information about this can be found on the HR Connect page on the Deutsche Bank intranet or by calling HR-online: 030 / 66 76 90 00.

The employer continues to pay salary for the duration of the illness. According to the law, the company must continue to pay the employee‘s salary for a maximum of six weeks. Thereafter, the health insurance fund will pay a sickness benefit. The amount depends on the previous earnings. The sickness benefit is usually slightly lower, amounting to not more than 90 percent of the net pay. Sickness benefit is paid for illness for no longer than 78 weeks, i.e. one and a half years.

Doctor‘s certificate
The doctor will give you two copies of the sickness certificate. One copy (without diagnosis) is intended for Deutsche Bank (HR Solutions GmbH, Alfred-Herrhausen-Allee 16–24, 65760 Eschborn). Please forward the second copy immediately to: BKK Deutsche Bank, Königsallee 60 c, 40212 Düsseldorf.

If illness is due to an accident at work, it is not the health insurance company but the accident insurance provider, i.e. the employer‘s liability insurance associ- ation, which bears the costs of the treatment. A work- related accident is also an accident that happens on the way to work or home from work.

In such a case, please inform the doctor or the hospital that this is a work-related accident, so that they can invoice accordingly. You will not need to present your health card in this case. If it later becomes evident that this was not a work-related accident, the employers‘ liability insurance association will settle with the health insurance fund. In addition, you are also obliged to immediately inform your employer of the accident, as the latter must submit a corresponding notification to the employer‘s liability insurance association.

If a treatment is to be charged to the accident insu- rance provider, the employee does not have to bear any excess. The costs are always covered in full. This is a fixed charge for some services, however. If these are exceeded in consultation between the doctor and patient, the patient must bear the excess themselves.