Check-up for privately insured patients what you are actually entitled to.

The statutory preventive check-up in Germany (every three years from age 35) covers a medical history interview, blood pressure, a small blood panel (glucose, cholesterol), urine status and a consultation — usually 15 to 30 minutes. A private check-up is billed as a private medical service under GOÄ and can be considerably more comprehensive. At YEARS that means 87 biomarkers, ECG, echocardiography, vascular ultrasound, lung function, spiroergometry, bone density, body scan and cognitive testing in a single day, with an in-depth physician consultation.

Unlike patients with statutory insurance, private insurance gives you a contractual entitlement to private medical care — and that includes comprehensive prevention. Most private policies cover preventive examinations under GOÄ fully or largely, often with annual allowances. Some premium policies include explicit budgets for “extended preventive medicine” or “check-ups”. Check your policy terms or call your insurer — the keyword is “Vorsorge nach GOÄ” (preventive care under GOÄ).

We recommend YEARS Core (€1,900). Core includes 25 functional tests and 87 biomarkers — all with established GOÄ item numbers that are fully reimbursable under most private policies. Evolve and Ultimate additionally include whole-body MRI, liquid biopsy, genetics and microbiome analysis — valuable, but not all of these services are reimbursable under every policy. Core therefore gives you the best balance of diagnostic depth, reimbursement rate and out-of-pocket cost.

The honest answer: we cannot calculate that for you. Reimbursement is a matter between you and your insurer, and it turns on your contract — on whether outpatient preventive care without suspected illness is covered, on any deductible, and on how much of that deductible is already used up this year. In some cases Core is reimbursed in full. What we do guarantee: a GOÄ-compliant invoice with every code, factor and justification, ready to submit. In the free intro call we tell you in advance which codes will appear on it, so you can ask your insurer and get a binding answer instead of an estimate from us.

Civil servants entitled to Beihilfe, the German civil-servant benefit scheme (federal, state and municipal), are reimbursed the eligible share of their treatment costs. Diagnostic services under GOÄ are generally eligible. After the Beihilfe reimbursement, your supplementary private insurance covers the remainder. Some Beihilfe offices require a written pre-enquiry for extensive preventive examinations — we support you with the request and provide the GOÄ item numbers in advance.

The lead time to your diagnostic day is currently four to six weeks. The reason is the format: all examinations run on a single day, which means imaging, laboratory and physicians are blocked for you simultaneously. What you avoid here is not the lead time but the fragmentation — no referral, no treatment-voucher hurdles, no appointments spread across weeks. You book directly online, receive a detailed pre-appointment questionnaire after confirmation, and complete everything in a single day in Berlin-Charlottenburg.

You arrive at 08:00 at our clinic in Berlin-Charlottenburg, minutes from Kurfürstendamm. Breakfast and lunch are included, and you can relax in quiet rooms between examinations. Six hours of comprehensive diagnostics, physician-led throughout — no waiting-room gaps, no appointments fragmented across weeks. The findings consultation with a specialist physician takes place the same day or within a week.