What your insurance covers

What changes in 2027 — and what does not

The austerity act tightens budgets and intensifies efficiency audits — but it does not cut the benefits catalogue above. What changes for practices: tighter quarterly budgets, more documentation duties, less scheduling leeway. What we make of it you can follow on our reality-check page: digitalising routine so medicine keeps its time.

What this means for us (as of October 2026): Our budget for statutory services is exhausted for routine screening. We currently cannot offer new statutory screening appointments – not even on request. A waiting list would be dishonestly long. We are sorry, especially towards patients who have trusted us for many years.

Who has priority now:

• Acute symptoms: severe pain, bleeding (no older than 3 days) or a newly felt lump. You can request an appointment in our emergency consultation online, up to three days in advance. We allocate these appointments by medical urgency.
• Follow-up after findings: existing patients with a positive HPV test, an abnormal smear or a cancer diagnosis continue to be cared for. We will contact you.
• Pregnant patients continue to be reliably accompanied through prenatal care.

Your entitlement to statutory screening remains: if we cannot offer you an appointment, the appointment service (116 117) arranges appointments at other practices. Self-pay services are not subject to the statutory budget, which is why appointments are still available for them. This is not a decision against statutory patients. More on screening →

Our promise is simple: we will never sell you a covered service as a private one. If you are entitled to something, we tell you — even if the practice budget gains nothing. And where a service truly is not covered, we tell you beforehand in writing, with the price, so you decide freely.