Health insurer says no? Here is how to file an objection
Your health insurer denies a treatment, an aid, a rehab measure, or sick pay? You do not have to accept that. You can file an objection against the decision within one month, and the procedure is free of charge for you.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Create an objection →Your chances of getting your money back
What you should do now
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1. Check the decision and the deadline
One month runs from notification. Note the date and the exact reasoning for the denial.
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2. File the objection
File the objection in writing within the deadline. You can submit the detailed reasoning later.
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3. Gather arguments and medical certificates
A medical certificate or a statement from your doctor explaining why the benefit is necessary considerably strengthens your objection.
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4. If necessary, the social court
If the denial stands, you can sue at the social court free of charge; in urgent cases an emergency application is also possible.
Frequently asked questions
How long do I have to file the objection?
One month from notification of the decision (§ 84 SGG). If the legal-remedies instruction was missing, the period extends to one year. It is important to object within the deadline; you can submit the reasoning later.
What does the objection cost me?
Nothing. The objection and lawsuit procedure in social law is free of court costs for insured persons (§ 183 SGG). For legal support there is advisory aid and legal aid.
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.