Excluded services are treatments or services explicitly not covered by your insurance provider
When you take out health insurance, it is important that you consider which treatments and services you want and need to be included in your scope of coverage. Insurance providers may choose to exclude pre-existing conditions or chronic illnesses they deem too risky to cover.
In Germany, you must choose between the public and private health insurance systems.
The scope of coverage offered by public (statutory) health insurance providers generally follows the minimum requirements set down by law. In the public insurance system, if you want cover for a service excluded from your main health insurance policy, you need to take out a top-up insurance policy.
In the private insurance system, excluded services can sometimes be included within your scope of coverage in return for higher premiums. This is a matter of negotiation and is at the discretion of your insurance provider.