If your doctor prescribes you a prescribable drug as a statutory health insurance prescription, we will cover these costs in full – minus your statutory co-payments. Until they have turned 18, children and teenagers with the VIACTIV are exempt from statutory co-payments.

Fixed amounts are stipulated for some drugs. If your doctor prescribes you medication whose price exceeds this, you pay the difference from the fixed amount. There are, however, nearly always alternatives without additional costs. Ask your doctor about them.

Discount agreements

Savings benefiting those insured

Since 2003 health insurance funds have been able to conclude discount agreements with individual drug manufacturers. In these agreements a health insurance fund agrees a price reduction with a pharmaceutical company for its drugs. 

When providing you with medication, your pharmacy must give preference to discounted drugs.

Important: In all cases you will receive the active substance which the doctor has prescribed. It will simply be from a different manufacturer.

If your doctor would like to prescribe you a particular medication (from a particular manufacturer) for medical reasons, without selection by the pharmacist as envisaged in other cases, he will make a note of this on the prescription. As a rule, the pharmacy has a choice between up to four discounted products. Should, by way of an exception, your pharmacy not have any discounted product in stock, they will quickly obtain the required drug or give you another product.

This ensures that you will be provided with the right drug at all times.

All drug manufacturers must provide evidence of the quality, effectiveness and safety of the drugs to the German Federal Institute for Drugs and Medical Devices (Bundesinstitut für Arzneimittel und Medizinprodukte) in order for these to be approved in Germany. This guarantees that all drugs are of a high quality standard.

Further information on medication

Many patients, including when they are on holiday, are reliant on medication that falls under the scope of the Narcotics Act (Betäubungsmittelgesetz). As a general principle, if prescribed by a doctor, such drugs may be carried as a personal travel necessity.

This is pointed out by the German Federal Narcotics Control Board (Bundesopiumstelle) in the German Federal Institute for Drugs and Medical Devices (Bundesinstitut für Arzneimittel und Medizinprodukte (BfArM)). With this in mind, written confirmation completed by a doctor should be carried on trips lasting up to 30 days in Schengen states. An appropriate form can be downloaded at

You are able to plan your drug needs?

You can order your medication conveniently and at a reasonable price through a number of mail-order pharmacies, for delivery to your home. Quality controls by pharmacists and competent specialist staff ensure safe, trouble-free dispatch of your medication. 

Handy: Your medication passport

This provides you with an overview of all the medication you are using. Download the medication passport in your language here. 

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