Information on Treatment Costs
Administrative and financial matters are generally carried out via the International Office at Heidelberg University Hospital. Employees of the International Office are committed to handling all necessary steps in a proper and timely manner. For questions regarding your cost estimate, please contact the International Office, for questions regarding your final invoice, please contact the IO-Accounting team. Please always quote your IO case number.
For additional information please click on one of the following categories:
- Self-Paying Patients
- Embassy Patients (financing via an Arabian Embassy)
- Patients from countries of the EU Social Security Agreement
- Patients with assumption of cost via another form of insurance
Submitted medical documents and information regarding illness are initially reviewed by an experienced expert of the corresponding medical specialty. An overview of the expected treatment costs will be generated based on the treatment offer submitted by the expert. This is a preliminary calculation (estimate). The actual costs may differ, since only a preliminary estimate of the foreseeable measures can be made based on the findings and the therapeutic and diagnostic measures ultimately needed cannot be specifically predicted.
Together with the treatment offer and the cost estimate, we will send a preliminary and non-binding initial consultation appointment by request.
You will receive an appointment confirmation as required by the Visa office on receipt of the advance payment according to your cost estimate.
Once you've committed to treatment at Heidelberg University Hospital, we ask that the entire sum be transferred to the account of Heidelberg University Hospital as given on the cost estimate.
Final Billing Statement:
Approximately six weeks after conclusion of treatment, the actual cost of the required measures will be determined. If these costs are below the pre-payment, the balance will be refunded immediately. In certain cases, particularly when complications occur over the course of treatment, additional payment may be required at the time of final billing.
We accept cost transfer guarantees from certain Embassies (Bahrain, Dubai, Qatar, Kuwait, Oman, and Saudi Arabia). Pre-payment is not necessary for patients for whom the costs of treatment are covered by the Embassy. Provision of a written guarantee for the costs must be made to Heidelberg University Hospital in advance for treatment to be implemented.
EU Social Security Agreement
Heidelberg University Hospital offers the following treatment options to patients with statutory/state health insurance from countries participating in the EU Social agreement:
- Treatment as a "Private Patient": Essential treatment steps are carried out by the corresponding Chief or Deputy physician personally and thus, by the most experienced specialist.
- Treatment as "Standard Benefit Patient": the treatment is carried out by a team of physicians in the responsible department.
Treatment as "Private Patient"
For treatment with the Chief / Deputy physician, there are incurred costs for "elective medical services." For this, the International Office will offer a cost estimate. The amount for elective medical services must be paid in advance. (The actual cost of treatment performed will be settled after conclusion of treatment. Over or underpayments will be refunded or requested after invoicing.
For inpatient treatment, regardless of the choice of medical services, the E112/S2 certificate (or equivalent country-specific document) must be submitted for inpatient care. For the application for transfer of costs to the health insurance of the home country, follow the steps as given in 1-4.
Treatment as "Standard Benefit Patient"
Prior to treatment, you can apply to your state/statutory health insurance for a treatment cost transfer. Costs for services that are covered by the statutory insurance in your home country, but not in Germany, must be borne by you.
This proceeds as follows:
1. Request the S2 form (formerly E112) from your home country health insurance. The following should always be noted:
- Indications in English
- the planned therapeutic process in English, as far as that is known (e.g. inpatient diagnostic assessment, surgery, chemotherapy, proton/heavy-ion therapy)
- Treating hospital: Heidelberg University Hospital
- The validity period (period of treatment)
2. Send a copy of the form to a German health insurance company of your choice. A selection of German health insurance companies can be found HERE. Once the submitted form has been examined and the requested benefits have been confirmed, you will receive a payment certificate with an insurance number from the German health insurance company.
Important note regarding the range of benefits (https://www.eu-patienten.de/en/behandlung_deutschland/geplante_behandlung/wer_traegt_die_kosten/behandlung_wie_gesetzlich_krankenversicherte_2/behandlung_wie_gesetzlich_krankenversicherte_4.jsp ): “What benefits you can take up within the EC regulations depends on the statutory range of benefits of the treatment state. If you undergo treatment in Germany, you can therefore only take up benefits to which persons who have statutory health insurance in Germany would also be entitled if they satisfied the same preconditions. If the law of your home country provides for the benefit which you are seeking, such as a certain form of treatment, but German law does not, you can also not undergo this treatment in Germany. (...) Proceeding within the EC regulations can therefore entail either a restriction in an individual case, or it can open up a broader range of treatment to you. If for instance German law provides for a benefit for persons with statutory health insurance which is unknown under the law of your home country, your healthcare insurer may nonetheless authorize you to undergo the treatment in Germany. However, it is not obliged to do so.”
For this reason, the treatment indication and the planned therapeutic process, as far as it is known, should in any case be mentioned (e.g., inpatient diagnostic assessment, surgery, chemotherapy, proton/heavy-ion therapy) in your application for cost coverage at the German health insurance company of your choice.
3. Please contact the International Office to make an appointment by sending an online Treatment Inquiry form (if this hasn't been done already) , and attach a copy of the payment certificate with the online form or via email.
4. On the first day of treatment, please bring the original (S2 receipt and German payment certificate) to patient admissions. Your fees will then arranged directly with the health insurance provider.
Please note: According to the statutory provisions of German Social Security Law, according to § 39 para. 4 of the Civil Code 5, the insured person must pay a 10 Euro deductible for each calendar day in hospital, with a maximum of 28 inpatient treatment days.
Patients with cost transfers via another insurance/cost provider
Heidelberg University Hospital accepts cost commitments from individual international insurance companies (e.g., Allianz Worldwide Partners, AXA PPP International, CIGNA Health Benefits), and expects no payment upfront. In these cases, it is necessary that the cost commitment of the appropriate cost provider is available to the International Office when the appointment is made or at an early stage prior to the initiation of treatment.
Cost commitments of other cost providers, particularly private companies, are not accepted. However, in certain cases, it is possible that patients can send the invoice after treatment and ask for compensation from their insurance provider. In any case, please get in touch with your insurance provider in advance.