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IGeL service at the doctor: do you really have to pay?

During a doctor's visit you are offered an additional service for money, an IGeL (individual health service)? Such services are allowed but tied to conditions: you must be clearly informed in advance and consent in writing. Otherwise you often do not have to pay.

Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:

Check / challenge the invoice

Your chances of getting your money back

An IGeL must be agreed in writing before the treatment, and you must be informed about the benefits, risks and costs. Without a valid agreement and information, the obligation to pay can lapse.
Do not let yourself be rushed ('the insurer doesn't cover this, but ...'). You have the right to refuse an IGeL or to take time to consider; the normal treatment may not be made dependent on it.

What you should do now

  1. 1

    1. Check the agreement

    Was there a written agreement before the service, with clear information about costs and benefits? If not, the invoice is open to challenge.

  2. 2

    2. Check the invoice

    Is the invoice itemized comprehensibly according to the scale of fees for doctors (GOÄ)?

  3. 3

    3. Challenge it

    If the information/agreement is missing or the billing is faulty, challenge the invoice in writing.

  4. 4

    4. Use advice services

    The independent patient counseling and consumer advice centers inform you about IGeL and your rights.

Frequently asked questions

Do I have to pay for an IGeL service?

Only if it was validly agreed in advance and you were properly informed about the benefits, risks and costs. If the written agreement or the information is missing, your obligation to pay can lapse; then you can challenge the invoice.

May the doctor make treatment dependent on an IGeL?

No. The medically necessary treatment (insurance benefit) may not depend on you buying an IGeL. You can refuse an IGeL at any time or take time to consider, without disadvantages for the actual treatment.

Take action now

We put together the ready-made texts and the right places to contact for you.

General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.