Mother-child cure costs: Everything about co-payments and self-payers

Since 2007, the mother-child cure has been a compulsory benefit of the statutory health insurance companies. Unfortunately, this does not mean that you will not incur any costs for a mother-child cure if you are legally insured. In the following article you can find out what costs you have to expect for a mother-child cure and when a reduction in costs is possible. You will also find information on the costs of a mother-child cure for privately insured persons and civil servants.

The effectiveness of a mother-child cure has been scientifically proven. Such a cure should therefore also be made possible for every mother in need of a cure. That is one of the reasons why the mother-child cure has been one of the compulsory services of the statutory health insurance companies since the health care reform in 2007.

Mother-child cure: What costs do you have to reckon with?

Here we explain how to create an application for a mother-child cure . Beforehand, however, you should know everything about the costs of a mother-child cure. Because they depend on whether you have statutory or private health insurance . We explain everything important to you in the following.

Costs of the mother-child cure for those with statutory health insurance

As already mentioned, a mother-child cure is a compulsory service provided by statutory health insurance companies. Of course, the provision of this mandatory service presupposes that a mother-child cure is medically necessary and that a corresponding application has been approved. If this is the case, your health insurance company will cover the full cost of accommodation, meals and medical measures during the mother-child cure.

In addition to these costs, there is a statutory additional payment of a maximum of 10 euros per calendar day for a mother-child cure, which you have to pay yourself. The costs for a three-week mother-child cure are usually 220 euros for you. Your child is generally exempt from this additional payment up to the age of 18, regardless of whether it needs treatment itself or just accompanies you.

Due to a co-payment limit, which is also stipulated by law, you can be exempted from part of the co-payments if you have a low income. If you are chronically ill, this co-payment limit is 1% of the annual family income, for those who are not chronically ill it is 2%.

Example 1: The annual family income is 15,000 euros. If you suffer from a chronic illness, the co-payment limit is 1%. So you only pay 150 euros instead of 220 euros for a mother-child cure.

Example 2: The annual family income is 15,000 euros. If you are not chronically ill, you have to pay 2% of your annual income, i.e. 300 euros. This amount exceeds the maximum additional payment for the mother-child cure, which is why you have no advantages in this case.

As the examples show, in most cases the co-payment limit only applies to the chronically ill or families with very low incomes. If this should be the case, however, it is advisable to have your health insurance company exempt you from co-payments that exceed the co-payment limit before you start the treatment and to have a so-called exemption certificate issued to you. This saves you the administrative effort of having the costs reimbursed retrospectively.

Your health insurance company will also reimburse travel expenses to the mother-child cure. The amount of the reimbursement depends on whether you start a mother-child cure as a preventive or rehabilitation measure. In the event of a precautionary measure, 90% of the travel costs per person and journey will be covered. There is only an additional payment of 10 % of the travel costs, which  amount to a minimum of 5 euros and a maximum of 10 euros. This regulation also applies to your child, although it is generally exempt from co-payment. If the mother-child cure is used for rehabilitation, the travel costs will be covered in full.

Tip: Children up to the age of 14 can usually travel for free on the Deutsche Bahn. It is best to inquire about the relevant offers in good time.

Costs of the mother-child cure for privately insured persons

As with statutory health insurance, an application for mother-child treatment must also be submitted to private health insurance. However, a mother-child cure is often only financed by private health insurance as a rehabilitation measure and not as a preventive measure. And this only if a corresponding supplementary insurance has been taken out. As a rule, the assumption of costs for mother-child cures is not included in the basic tariffs.

If your valid tariff provides for a cost assumption for a mother-child cure, you still have to reckon with a personal contribution – as in the statutory insurance. This is usually higher than for those with statutory health insurance and, according to the mother-child welfare organization, is around 70 euros per day, depending on the clinic. For your child, the costs are around 45 to 60 euros per day, provided they do not need treatment themselves. If your child accompanies you because it is ill, the costs again depend on your valid tariff.

Costs of mother-child treatment for civil servants

If you are a civil servant, the costs of a mother-child cure could be lower for you. Because since 2004, the mother-child cure as a rehabilitation measure is eligible. Accordingly, 50 to 80% of the costs are reimbursed. The exact amount depends on your family situation and the state aid regulations that apply to federal or state civil servants. If you want to claim assistance, you must carry out the mother-child treatment in a clinic that has a corresponding license. This is the case, for example, in the clinics belonging to the mothers’ convalescent work.

Costs of a mother-child cure for self-payers

Of course, a mother-child cure is also possible without a medical certificate or approval from your health insurance company. Many clinics also offer mother-child cures for self-payers. The costs depend on the offer and the chosen facility. For example, the Kurparkklinik Heilbad Heiligenstadt in Thuringia offers a mother-child cure from around 360 euros per week and person including half board.

A mother-child cure is always associated with costs for you. Your health insurance company or, if applicable, the responsible aid office can best provide you with information about the exact amount in your case. If you would like to start a mother-child cure at your own expense, the relevant clinics are the right contact for you. Counseling centers, such as those of the mothers’ recovery organization or the mother-child welfare organization, can also provide you with advice and support.

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