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German insurances
Private Insurance (PKV)
Private German insurances often cover a significant portion of costs. Consultation, diagnostics (ultrasound), CGF therapy, navigation are usually reimbursed. MFAT may require additional approval. We recommend: request preliminary approval (Kostenvoranschlag) before the procedure.
Public Insurance (GKV)
Public insurances do not cover regenerative treatment, as it is an individual medical service (IGeL). Patients with GKV pay for the procedure themselves. We provide a detailed invoice for tax deduction (aussergewoehnliche Belastung).
Supplementary Insurance (Zusatzversicherung)
Some supplementary policies cover alternative and regenerative treatment methods. Check your policy conditions independently or contact your insurance company.
Foreign insurances
International Policies
Many international medical insurances (Allianz Worldwide, Cigna Global, Bupa International, Aetna International) cover treatment in Germany. Reimbursement depends on the specific policy conditions. Usually covered: specialist consultation, diagnostics, outpatient procedures.
Insurances from CIS Countries
Russian, Kazakh, Uzbek DMS policies usually do not cover treatment abroad. Exception: VIP policies with international coverage. We recommend clarifying with your insurer before the trip.
Arab Insurances
UAE, Saudi Arabia, Qatar insurances often cover elective treatment abroad with a referral. Preliminary approval (prior authorization) is required. We provide all documents in English.
Travel Insurance
Travel insurances cover only emergency care and do NOT cover elective treatment (including regenerative treatment). Do not rely on a travel policy.
Documents for reimbursement
What the Clinic Provides
Detailed invoice according to GOÄ (Gebührenordnung für Ärzte - German medical fee schedule). Medical report (in German and English). Description of the performed procedure. Rehabilitation recommendations. Diagnostic images (ultrasound, X-ray).
Preliminary Approval
For private insurances, we recommend obtaining Kostenvoranschlag (preliminary cost estimate) before the procedure. The clinic provides the estimate upon request. The patient independently sends it to their insurer for preliminary approval.
After the Procedure
The clinic provides a complete document package: detailed invoice per GOÄ, medical report, procedure description. The patient independently submits documents to their insurance company. The clinic does not provide assistance with insurance appeals.
Clinic and method matching — free of charge
Describe your case and attach your MRI report. We will identify clinics that use the relevant methods and forward your request to them. No obligation; we reply within 24 hours.
Send a request +49 160 5736643Questions about insurance
Often partially. CGF, consultation, navigation are usually reimbursed. MFAT may require preliminary approval. We recommend requesting Kostenvoranschlag before the procedure.
The clinic provides detailed invoices per GOÄ and medical reports in German and English. The patient independently submits documents to their insurance company. Reimbursement depends on your policy conditions.
We recommend contacting your insurance company before the procedure. The clinic provides a Kostenvoranschlag (cost estimate) upon request — the patient independently sends it to their insurer.
The patient independently handles the appeal process with their insurance company. The clinic does not provide assistance with insurance appeals. Upon request, the clinic can provide additional medical documents (reports, examination results).
RegenPAS is a patient service centre in Munich, not a clinic. We review your images and symptoms and send a request to several partner clinics at once. Clinics that can accept you send their own conditions and price; prices differ between clinics, and you choose the option that suits you. The coordinator replies within 24 hours, and a clinic physician’s preliminary opinion follows in 1–3 business days. We then arrange the appointment, visa invitation, interpreter, transfers and accommodation. Treatment decisions are made by the clinic physician. Contact a coordinator.
Your MRI (or CT, X-ray) report and the images if you have them, plus a short description of your symptoms and previous treatment. Send them via the form on the website — the assessment is free and without obligation: the coordinator replies within 24 hours, and the clinic physician’s preliminary opinion follows in 1–3 business days.
The cost depends on the method, the diagnostics needed and the clinic itself: prices differ between clinics. We request offers from several clinics and send you their conditions and quotes so you can compare. Price guidance is on the treatment cost page. For an outpatient procedure, 2–3 days in Munich are usually enough: examination, procedure and follow-up visit.