Yes! You can use AI to fill out R+V Krankenversicherung AG Antrag Krankenversicherung und Pflegepflichtversicherung
This document, the 'Antrag Krankenversicherung und Pflegepflichtversicherung' (Form 2052), is the official application form used to apply for private health and mandatory long-term care insurance with R+V Krankenversicherung AG in Germany. It is a critical document for individuals and families seeking private insurance coverage, as it gathers essential personal, professional, and detailed health information for risk assessment and premium calculation. Today, this comprehensive form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | R+V Krankenversicherung AG Antrag Krankenversicherung und Pflegepflichtversicherung |
| Number of pages: | 15 |
| Language: | English |
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- 1 Navigate to Instafill.ai and upload the 'Antrag Krankenversicherung und Pflegepflichtversicherung' form or select it from the template library.
- 2 Enter the applicant's personal information, including name, address, contact details, and professional status in the 'Angaben des Antragstellers' section.
- 3 Specify the details for each person to be insured, including their personal data, desired tariffs, and coverage amounts in the 'Angaben zu den zu versichernden Personen/Versicherungsumfang' section.
- 4 Carefully and accurately complete the 'Gesundheitsangaben' (Health Information) section for each person, answering all questions about medical history, treatments, and current health status.
- 5 Provide details about any existing or prior insurance policies in the 'Sonstige Versicherungen' section and supply tax identification numbers for data transmission to financial authorities.
- 6 Review all provided information for accuracy, read the data protection and consent declarations, and provide the required digital signatures for the applicant and other insured persons to complete the submission.
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Frequently Asked Questions About Form R+V Form 2052
This is an application form to apply for private health insurance (Krankenversicherung) and compulsory long-term care insurance (Pflegepflichtversicherung) with R+V Krankenversicherung AG in Germany.
This form is for individuals eligible for private health insurance in Germany, such as self-employed persons, civil servants, or employees whose income exceeds the statutory threshold, who wish to apply for coverage.
You must answer all health questions completely and truthfully, as this information is a critical part of your contract. Failure to disclose all known conditions, treatments, and consultations can lead to the insurer terminating your policy or denying claims.
If you disclose a pre-existing condition, R+V may offer you a contract with a risk surcharge (higher premium) or a specific benefit exclusion. It is crucial to be transparent, as hiding conditions can invalidate your insurance.
R+V is legally required to report your insurance contributions to the German tax authorities. Providing your tax ID ensures your contributions are correctly processed for your tax return and allows your employer to calculate any tax-free subsidies.
When switching from another private insurer, you can submit a transfer value certificate (Ăbertragungswertbescheinigung) to potentially carry over some of your accumulated aging reserves, which may lower your new premium. You should also provide details of your previous insurance on page 6.
The processing time can vary, but you are legally bound to your application until a decision is made under normal circumstances. Your contract officially begins once you receive the written acceptance or the insurance policy documents from R+V.
By signing, you consent to R+V processing your sensitive health data to evaluate your application and manage your contract. You also permit them to obtain information from your doctors if needed, which is a necessary step for the contract to be concluded.
The main applicant (Versicherungsnehmer) must sign the form. Additionally, any other person to be insured who is 16 years of age or older must also provide their own signature.
You must declare any intended or recommended dental or orthodontic treatments on page 4. If you have a cost estimate (Heil- und Kostenplan) from your dentist, you should attach it to your application.
Yes, you can apply for a waiver of the standard waiting periods. This can be done by providing proof of continuous prior insurance or by undergoing a medical examination at your own expense, as indicated on page 5.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which saves time and helps prevent common errors. This is especially useful for long and complex forms like this insurance application.
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If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai to make it interactive. Simply upload the file, and the service will automatically convert it into a fillable form where you can type your answers directly.
Compliance R+V Form 2052
Validation Checks by Instafill.ai
1
Health Question 'Yes' Answer Requires Details
This check verifies that if any health question (e.g., questions 1-7 on page 4) is answered with 'ja' (yes) for an insured person, the 'ErgÀnzende Angaben' table on page 5 must contain at least one corresponding entry detailing the condition. This is critical for the underwriting process to accurately assess the health risk and determine the correct premium or potential exclusions. If details are missing, the application is incomplete and cannot be processed, leading to a request for more information from the applicant.
2
Date of Birth Plausibility and Format
Validates that the 'Geburtsdatum' (Date of Birth) for the applicant and any insured person is a valid date in DD.MM.YYYY format. It also checks for plausibility, ensuring the date is not in the future and the person is not older than a reasonable maximum age (e.g., 110 years). This prevents data entry errors and ensures the age-dependent calculations for premiums and eligibility are correct. An invalid date will cause the form submission to be rejected.
3
German Tax ID Number Format
This validation ensures that the 'Steuer-Identifikationsnummer' provided on page 7 for the applicant and insured persons consists of exactly 11 digits. This number is legally required for the insurer to report paid contributions to the German financial authorities for tax purposes. An incorrect format would lead to a failure in this mandatory reporting process, so the application would be flagged for correction before it can be finalized.
4
Civil Servant Status and Benefit Rate Consistency
Checks if an insured person is marked as a 'Beamter' (civil servant) or 'BeamtenanwÀrter' (civil servant trainee) on page 3. If so, it validates that the corresponding 'BeihilfesÀtze' (benefit rates for outpatient and inpatient care) fields are filled with valid percentage values. This information is essential for calculating the correct insurance coverage and premium, as the private insurance only needs to cover the portion not paid by the employer's benefits. Missing rates will halt the application pending clarification.
5
Self-Employment Start Date Logic
This check ensures the date provided in the 'SelbststÀndiger seit' (Self-employed since) field is logically valid. The year must be before the current application year and must be after the applicant would have reached a plausible working age (e.g., 16), based on their date of birth. This prevents illogical or erroneous data entry. If the date is invalid, the system will return an error asking the user to correct the entry.
6
IBAN Structure and Checksum Validation
Validates the International Bank Account Number (IBAN) provided in the SEPA direct debit mandate on page 9. The check confirms the IBAN follows the correct country-specific structure (e.g., 22 characters for Germany, starting with 'DE') and passes the MOD-97 checksum algorithm. This is crucial to ensure that premium payments can be collected successfully. An invalid IBAN will prevent the setup of the payment mandate and the contract cannot be activated.
7
Conditional Mandatory Fields for Deviating SEPA Account Holder
This validation rule is triggered if the checkbox 'Der Kontoinhaber ist nicht der Versicherungsnehmer' (The account holder is not the policyholder) is selected on page 9. It then ensures that all fields for the account holder's details (Name, Address, etc.) are mandatory and have been filled out. This is a legal requirement for a valid SEPA direct debit mandate. Failure to provide these details will result in an incomplete application.
8
Missing Teeth Count Mandatory if Applicable
On page 4, if health question 6c, 'Fehlen ZĂ€hne ... die noch nicht ersetzt sind?' (Are teeth missing... that have not yet been replaced?), is answered with 'ja' (yes), this check ensures the adjacent field 'wenn ja, wie viele?' (if yes, how many?) is filled with a numeric value greater than zero. This specific data is vital for assessing dental risk and calculating the premium for tariffs that include dental coverage. If the count is missing, the application is considered incomplete for that tariff.
9
Existing R+V Customer Number Requirement
This check verifies that if the applicant indicates they are an existing R+V customer by checking 'ja' on page 2, they must also provide either an existing policy number or a customer number in the 'best. R+V-Versicherungsvertrags-Nr. oder KD-Nr.' field. This allows the system to link the new application to the existing customer profile, ensuring data consistency and a consolidated customer view. If the number is missing, the system will prompt for it to avoid creating a duplicate customer record.
10
Age Verification for 'PKB' Tariff Eligibility
This validation confirms that any person for whom the 'PKB' (R+V-Pflege FörderBahr) tariff is requested is at least 18 years old, based on their date of birth. The form states on page 6 that this is a requirement for the state-subsidized long-term care insurance. Applying for this tariff for an underage person would be legally invalid and would lead to the rejection of that part of the application.
11
Signature Requirement for Insured Persons Over 16
Verifies that a signature is provided for every insured person who is 16 years of age or older, as specified on page 8. This is a critical legal requirement to confirm their consent to the contract and, most importantly, to the processing of their sensitive health data under GDPR. An application missing a required signature is legally invalid and will be rejected immediately.
12
Applicant Address Completeness
Ensures that the primary applicant's address fields ('StraĂe, Hausnummer', 'Postleitzahl', 'Ort') on page 2 are all filled out. A complete and valid primary address is fundamental for all legal and contractual correspondence, including sending the policy documents and other important notices. An incomplete address will block the application from being processed until the missing information is supplied.
13
Height and Weight Plausibility (BMI Check)
This check validates that the height ('GröĂe in cm') and weight ('Gewicht in kg') entered on page 4 are within reasonable human limits. It can also calculate the Body Mass Index (BMI) from these values. If the BMI falls outside a standard range (e.g., below 16 or above 40), the application should be flagged for manual review by an underwriter, as it may indicate a significant health risk. This helps in proactive risk assessment rather than outright rejection.
14
Previous Insurance Rejection Details
This validation checks that if the question 'Wurde in den letzten 3 Jahren eine Kranken- oder Pflegeversicherung ... abgelehnt oder mit Leistungsausschluss oder Beitragszuschlag angenommen?' on page 6 is answered 'ja' (yes), the subsequent field 'Wenn ja, welcher Versicherer?' (If yes, which insurer?) must be filled. This information is crucial for the underwriter to understand the applicant's insurance history and risk profile. Missing details would trigger a request for information, delaying the application process.
Common Mistakes in Completing R+V Form 2052
Applicants often under-report or forget past medical consultations, especially those that seemed minor or were only 'recommended' ('angeraten'). The form requires full disclosure of diagnoses, treatments, and even advised procedures over the last 3-10 years. Failure to provide a complete and truthful medical history can lead to risk surcharges, benefit exclusions, or even the insurer voiding the contract later, which is known as 'Verletzung der vorvertraglichen Anzeigepflicht'.
A frequent error is checking 'ja' (yes) to a health question on page 4 but failing to provide the mandatory detailed explanation in the table on page 5. Simply ticking the box is insufficient; the insurer requires specific information like diagnoses, treatment dates, and physician details to assess the risk. This omission will always result in processing delays as the insurer must send a follow-up request for the missing information.
Civil servants ('Beamte') must enter their specific aid percentages for outpatient ('ambulant') and inpatient ('stationÀr') care, which vary by German state and family status. Applicants often guess these rates or enter outdated figures, leading to incorrect premium calculations and significant out-of-pocket expenses if their coverage doesn't align with their actual 'Beihilfe' entitlement. It is crucial to verify the current rates with the responsible 'Beihilfestelle' before applying.
The form asks if an insured person is a 'dauerhaft Angehörige' (permanently dependent relative), a specific legal term defined on page 10 that differs from the everyday meaning of 'dependent'. Applicants may incorrectly answer 'yes' for a partner or 'no' for a sibling, which has direct consequences on who is legally entitled to receive insurance payouts. An incorrect declaration can cause legal and financial complications when a claim is filed.
On page 2, the statement 'I am exclusively liable for tax in the Federal Republic of Germany' is pre-filled and must be actively struck out if not true (e.g., for US citizens or those with other tax residencies). Many applicants with international tax obligations miss this 'negative option' instruction. This oversight can lead to incorrect reporting to tax authorities under regulations like FATCA/CRS and potential tax compliance issues for the applicant.
The application requires signatures from the main applicant, the insurance agent, and every additional person to be insured who is 16 years or older (or their legal guardian). It is very common to miss the signature for the second insured person or a teenage child, which renders the application legally invalid. The form cannot be processed until all required signatures are collected, causing significant delays.
Typographical errors in the International Bank Account Number (IBAN) on the SEPA direct debit mandate (page 9) are a frequent and critical mistake. An incorrect IBAN will cause the premium payment to fail, which can delay the start of coverage or even lead to the cancellation of the policy for non-payment. Double-checking the IBAN against a bank statement is essential to ensure seamless processing.
When filling out the 'Sonstige Versicherungen' section, applicants often provide inexact start/end dates for their previous health insurance or forget to declare past policy rejections or policies accepted with a surcharge. This information is vital for determining waiting periods ('Wartezeiten') and the transfer of aging reserves ('Ăbertragungswert'). Inaccuracies can lead to a loss of benefits and require extensive follow-up with the previous insurer.
The dental health questions (page 4, question 6c) specifically ask for the number of missing, un-replaced teeth (excluding wisdom teeth). People often miscount or forget about teeth that were extracted long ago. This number is crucial for underwriting dental tariffs, and an incorrect count can lead to the rejection of future claims for bridges, crowns, or implants in those positions.
Existing R+V customers often forget to fill in their customer number ('KD-Nr.') or an existing policy number on page 2. This omission can lead to the creation of a duplicate client profile, causing administrative confusion and preventing the applicant from benefiting from any loyalty status or streamlined processing. Providing this number ensures all contracts are correctly linked under a single customer profile.
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