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Preventive examinations: entitlement and early detection

Statutory health insurance covers a range of preventive and early-detection examinations, for example for cancer screening or the general health check-up. They are meant to detect illnesses early and are usually free of co-payment for insured persons.

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Insured persons are entitled to examinations for the early detection of illnesses at set intervals (§ 25 SGB V), such as cancer screening and the health check-up. The benefits are set by the Federal Joint Committee.
These examinations are usually free of co-payment. Participation in certain programs can also have a positive effect on benefits, for example in the case of chronic illnesses.

What you should do now

  1. 1

    1. Clarify your entitlement

    Find out which preventive examinations you are entitled to depending on age and gender.

  2. 2

    2. Attend appointments

    Attend the examinations at the intended intervals.

  3. 3

    3. Discuss the results

    Have findings explained and clarify the next steps.

  4. 4

    4. Check programs

    Check participation in structured early-detection or treatment programs.

How to spot the scam

  • Examinations you are entitled to are not used.
  • Abnormal findings are not followed up.
  • Money is wrongly demanded for co-payment-free prevention.

Frequently asked questions

Which preventive examinations does the fund pay for?

Among others, examinations for cancer screening, the health check-up, and children's and youth examinations, each at set intervals (§ 25 SGB V). Exactly which benefits and from what age are set by the Federal Joint Committee.

Do I have to make a co-payment for prevention?

As a rule, no. The intended early-detection and preventive examinations are generally free of co-payment for insured persons. If money is demanded for them, it is worth asking the fund whether the service is really subject to charge.

How often can I go for prevention?

That depends on the respective examination, your age, and your gender. Some examinations are available annually, others at larger intervals. Your health insurer or treating doctor will inform you of the intervals intended for you.

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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.