Very bad or unexisting customer service!!!

I was privately insured with a monthly pay of almost 900€ but when I had to pay income taxes that could have been avoided with a document from Signal Iduna they were un helpfull and despite calling several times I never received any document :(((

Avoid this one!!

I would give them zero stars if I could. If you want to make your life easy while in Germany, avoid this last century Health Insurance.

I took this insurance because they had some very specific medical coverage. After 3 years being with them, I still have not managed to get reimbursed for some basic medical treatment that my contract clearly indicated. It is a back and forth of additional justifications needed (Eg. Medical letters explaining diagnostic, then when they have the medical letter they say it is not enough and they need the medical prof, (but they do not pay for the diagnostic tests), the. When they have the medical proof, they needed some more, that is of course almost impossible to get …

Long story short, I am puting this at the hands of lawyers. If my treatment would have been life threatening, I would be dead by now already and my family left with end less bills.

If you want private coverage to be protected in case really bad things happen, certainly don’t go to Signal Iduna.

By the way, if you call their help desk number for help, be ready to spend over one hour waiting for an agent. Their average waiting time is around 60min … it is appalling that I am paying over 800 eur/month for sure a poor service.

Worst insurance experience I have ever had (I have lived in 5 different countries and I find Germany and this company shocking). I can’t wait to head back to the US … where health insurances take customer service more seriously.

Lines are always busy. You are asked to submit your insurance number and then when the customer service answers you need to give it to them again. You ask if certain services are covered, to which the say yes only to then once you hand in the invoice, not pay for them because of x clause.
I asked to cancel my contract and back date it (return fund from when I was abgemeldet) as I moved overseas. They said this was not a problem but they would need my Abmeldung. Which I provided them with. Then they asked proof of a new obligatory insurance, which I also provided them with. I was then told that they could not back date the amount as I had the obligatory insurance (in the new country) for more than 3 months.
As others have said....avoid this insurance at all cost!.

I've been waiting for an approval for more than 6 months. The service is not efficient and it is a complete waist of money.

If I could give 0 stars I would!
Stay away from this company at all costs! If you are involved with them, as your insurance or someone hit your car and they have them as insurance, start with getting a good lawyer!
You will need it.
In my case it’s a clear case, even police have clearly written who is at fault, but the company keeps not paying and keeps trying to get out of paying, and communication takes forever, many many months later and still not solved. They will keep asking you for this and that, to just try and make you so tires you give up. Absolutely the worst kind of company there is.

STAT AWAY is my recommendation.

Complete garbage when it comes to actually paying out big invoices (even when they agreed to pay). My wife is being trying to get them to pay for more than 3 months, and already was cried at by phone because Signal's clerks made mistakes. Instead of making a transfer as usual to the actual account, they sent us a check, and piles of pain along with it (my coworkers never even saw these before). It almost feels like in Signal Iduna we have no right to request and get coverage money.

I absolutely recommend to NOT work with them ever.

Had a travel health insurance for several years. Everythign was fine, termination was easy, communication was perfect the entire time. I never had to use the insurance, so I can't tell anything about the benefit.

Absolute rubbish
We had a surgery with our son and Signal Iduna they hide behind some specific terms in the contract. Although it was the same surgery as in contract they refused to refund any money paid because on the paper we had when we left the hospital it was not written exactly the surgery name as in the contract.