The most comprehensive check-up for privately insured patients.

That depends on your policy. YEARS bills as a private practice under the German medical fee schedule (Gebührenordnung für Ärzte, GOÄ) — the same schedule every German private policy uses to remunerate services. Individual diagnostic services such as blood count, ECG, echocardiography, spiroergometry and ultrasound are reimbursed at 70 to 100 percent under most policies. Policies with a deductible offset their share accordingly. A tip: before your appointment, ask your insurer about reimbursement of “preventive medical services under GOÄ” — we will provide the GOÄ item numbers in advance on request.

The German medical fee schedule (Gebührenordnung für Ärzte, GOÄ) is the legal basis on which physicians bill private medical services. Each examination has a unique item number with a defined point value and multiplier (1.0× to 3.5× depending on complexity). A GOÄ-compliant invoice lists every single service with its item number, multiplier and justification — precisely what your private insurer needs for reimbursement. After your check-up, YEARS issues a complete GOÄ invoice automatically.

Core includes 25 functional tests and 87 laboratory biomarkers — exactly the diagnostics anchored in the GOÄ as billable medical services. Imaging such as ultrasound, ECG, spiroergometry and lung function have clear GOÄ item numbers and are reimbursable under most private policies. The whole-body MRI (included in Evolve) is less often reimbursed in full, because many policies only cover imaging with a clinical indication. With Core you therefore get the most comprehensive check-up at the best ratio of reimbursement to out-of-pocket cost.

Yes. Those entitled to Beihilfe, the German civil-servant benefit scheme (federal, state and municipal), are reimbursed the eligible share of their treatment costs — depending on their personal Beihilfe rate and supplementary private policy. Most Beihilfe schemes cover diagnostic services under GOÄ in the same way private insurance does. Some Beihilfe offices require written approval in advance for extensive preventive examinations — talk to us and we will help with the request.

Yes, as a self-payer. German statutory health insurance does not cover private medical services such as our check-up. You can, however, claim the costs as an extraordinary burden on your tax return if your expenses exceed the reasonable-burden threshold. Many of our patients see the check-up as a sensible investment in their own health — precisely because statutory insurance has historically under-served prevention.

We deliberately do not recommend submitting a request to your insurer in advance — in practice it often reduces the reimbursement. YEARS Core is private diagnostic and exclusion diagnostics, billed in line with GOÄ. Under most private policies the majority of the cost is reimbursed, with a typical out-of-pocket share between €200 and €700. Which item numbers are billed and what you will get back, we clarify transparently in the consultation — more reliably than any written pre-enquiry.

A typical private preventive check at a family doctor covers around 10 to 20 laboratory values, an ECG and a consultation — useful, but nowhere near sufficient for modern prevention. YEARS Core measures 87 biomarkers including modern cardiovascular markers (ApoB, Lp(a), hsCRP), metabolic indicators (HOMA-IR, HbA1c), hormones, thyroid, vascular ultrasound with Doppler, spiroergometry (VO2max), body plethysmography and a cognitive test battery. A family-doctor check does not replace a longevity check-up — and vice versa.