{"id":102810,"date":"2026-10-16T15:02:00","date_gmt":"2026-10-16T13:02:00","guid":{"rendered":"https:\/\/ru.law\/?p=102810"},"modified":"2026-10-12T15:12:45","modified_gmt":"2026-10-12T13:12:45","slug":"krankentagegeld-gekuerzt-bgh-urteil","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/krankentagegeld-gekuerzt-bgh-urteil\/","title":{"rendered":"Sickness benefit reduced \u2013 Federal Court of Justice declares subsequent reduction clauses invalid"},"content":{"rendered":"<h2 id=\"h-was-das-urteil-des-bundesgerichtshofs-vom-13-05-2026-fur-versicherte-mit-krankentagegeldversicherung-bedeutet\" class=\"wp-block-heading\"><strong>What the Federal Court of Justice&#039;s ruling of May 13, 2026 means for insured persons with daily sickness allowance insurance.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Has your daily sickness benefit been reduced due to decreased income? Then it&#039;s worth taking a close look at your policy terms. The Federal Court of Justice ruled on May 13, 2026 (Case No. IV ZR 27\/25) that an insurer cannot simply replace an invalid reduction clause with a new one. Rogert &amp; Ulbrich will review whether your reduction was legally valid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The issue at hand: Reduction of sick pay in cases of decreased income<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Daily sickness allowance insurance is intended to compensate for lost earnings during periods of incapacity for work. Many contracts contained a clause allowing the insurer to reduce the daily sickness allowance and the premium if the insured person&#039;s net income permanently decreased. This provision corresponded to Section 4, Paragraph 4 of the standard terms and conditions for daily sickness allowance insurance (MB\/KT 2009).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In its judgment of July 6, 2016 (Case No. IV ZR 44\/15), the Federal Court of Justice had already declared this clause invalid due to a violation of the transparency requirement (Section 307 Paragraph 1 Sentence 2 of the German Civil Code). For insurers, this meant they could no longer rely on the reduction clause.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Has your insurer reduced your daily sickness allowance due to your income? Check which clause the reduction is based on.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The case: Replacement clauses via adjustment notification<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer in the current proceedings reacted to the 2016 ruling. In 2018, it replaced the invalid clause with a new provision and notified its policyholders of this change via an adjustment notice. At the same time, it amended the policy terms and conditions to include rules for determining the relevant net income. The new provisions were intended to allow the insurer to adjust daily sickness benefits again in cases of lower income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A consumer protection association, recognized as a qualified body, sued to have these substitute clauses invoked, seeking an injunction. The Cologne Regional Court and the Cologne Higher Regional Court dismissed the suit. The Federal Court of Justice overturned these decisions and ruled in favor of the association.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A letter from your insurer informing you of changes to your policy does not necessarily mean that the new terms and conditions are effective. Have such communications reviewed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Federal Court of Justice&#039;s decision: No effective clause replacement<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An insurer may only replace an invalid provision in existing contracts under the strict conditions of Section 164 of the German Insurance Contract Act (VVG). In health insurance, this applies via Section 203 Paragraph 4 of the VVG. Accordingly, replacement is only permissible if it is necessary for the continuation of the contract or if adherence to the contract without a new provision would constitute an unreasonable hardship for one of the contracting parties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Federal Court of Justice denied both prerequisites. The main reasons were:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No need:<\/strong> The contract can be continued effectively even without a reduction clause. A replacement clause requires that adhering to the incomplete contract would be unreasonable for the insurer.<\/li>\n\n\n\n<li><strong>No undue hardship:<\/strong> Sickness benefit insurance is a lump-sum insurance policy. The fact that the benefit payment and the actual net income may differ does not constitute an undue hardship for the insurer.<\/li>\n\n\n\n<li><strong>Premium ratio unchanged:<\/strong> The ratio of performance to contribution remains unchanged by the removal of the clause.<\/li>\n\n\n\n<li><strong>Review in the association procedure:<\/strong> Consumer associations can have a court clarify whether an amendment to the terms and conditions was valid. This protects policyholders from being bound by invalid terms only in appearance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer may no longer rely on the disputed clauses insofar as it has incorporated them into existing contracts by way of an adjustment to the terms and conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is your insurer citing new terms and conditions from an adjustment notification? Have it checked whether these are actually binding on you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What the ruling means for your sick pay<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The ruling does not mean that every income-related reduction in sick pay is inadmissible. The decisive factor is the basis on which the reduction was made. The following points should be examined:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Original contract:<\/strong> What conditions applied at the time the contract was concluded? Did the contract already contain the old reduction clause?<\/li>\n\n\n\n<li><strong>Subsequent change notifications:<\/strong> Were the terms and conditions subsequently changed by an adjustment notification?<\/li>\n\n\n\n<li><strong>Basis for the reduction:<\/strong> On which clause does the insurer base the reduction?<\/li>\n\n\n\n<li><strong>Time of the reduction:<\/strong> When was the daily sickness allowance reduced and by how much?<\/li>\n\n\n\n<li><strong>Agreed new regulation:<\/strong> Has the insured person expressly agreed to a change in the contract?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If the reduction was based on an invalidly replaced clause, you may be entitled to previously unpaid sick pay. An adjusted premium may also need to be reviewed. Further information can be found on our website. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/rechtsanwalt-fuer-krankentagegeldversicherung\/\">Lawyer for daily sickness allowance insurance<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potential claims for additional payments are subject to a statute of limitations. Don&#039;t wait too long to review them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Does the ruling also affect other insurers?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The ruling is directed against the defendant insurer and the clauses it uses. Following the 2016 decision, other health insurers have also revised their terms and conditions regarding the reduction of daily sickness benefits. The standards established by the Federal Court of Justice for replacing clauses under Section 164 of the German Insurance Contract Act (VVG) apply generally.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether a reduction in your insurance premium is contestable depends on how and on what basis the terms and conditions were changed. Reviewing your policy documents and all notifications of changes will provide clarity. You can find guidance on interpreting insurance terms and conditions on our page about... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/vertragsauslegung-und-obliegenheitsverletzungen\/\">Contract interpretation and breaches of duty<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even if your insurer was not a party to the proceedings, a review may be worthwhile. Have your policy documents ready.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Here&#039;s what to do if your sick pay is reduced.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First, gather all contract documents: the insurance policy, the terms and conditions in effect at the time of signing, and all subsequent notifications of changes. Also, submit the letter in which the insurer announced or implemented the reduction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check whether you have expressly agreed to any contract amendment. A unilateral notification of adjustment is different from an agreed-upon contract amendment. Note when and by how much you are receiving less sick pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These documents will help clarify whether the reduction was valid and what amounts, if any, can be reclaimed. You can also find information on how to proceed in case of a dispute with the insurer on our page about... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/leistungsablehnungen-durch-versicherer\/\">Claims denied by insurers<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your sick pay has been reduced and you don&#039;t know why? Have it checked now.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rogert &amp; Ulbrich \u2013 Your lawyers in insurance law<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rogert &amp; Ulbrich represents policyholders nationwide against private health insurers and daily sickness allowance insurers. The firm is managed by Dr. Marco Rogert and Tobias Ulbrich and has already handled over 40,000 cases. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/\">Insurance law<\/a> We regularly review the effectiveness of insurance terms and conditions and adjustments to those terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will review your contract, all notifications of changes, and the specific basis for the reduction. Out of court, we will pursue back payments and the restoration of the agreed daily rate against the insurer. If necessary, we will also represent you in court.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Has your insurer reduced your daily sickness allowance due to decreased income? <a href=\"https:\/\/ru.law\/en\/kontakt\/\">Get in touch<\/a> and secure your claims. Does he\/she always demand new documents? <a href=\"https:\/\/ru.law\/en\/kontakt\/\">Get in touch<\/a> and secure your claims.<\/p>\n\n\n\n<h2 id=\"h-faqs-haufig-gestellte-fragen-zur-kurzung-des-krankentagegeldes\" class=\"wp-block-heading\"><strong><strong>FAQs \u2013 Frequently Asked Questions about the Reduction of Sickness Benefits<\/strong><\/strong><\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-ed0fa9cc uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f9785a0e\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is my insurance company allowed to reduce my daily sickness allowance if my income decreases?<\/span><\/div><div class=\"uagb-faq-content\"><p>Only if a valid contractual basis exists. The previous reduction clause according to Section 4 Paragraph 4 MB\/KT 2009 has been invalid since 2016. Whether a subsequent replacement clause is valid depends on whether the strict requirements of Section 164 VVG were met.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7b6999cf\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What did the Federal Court of Justice (BGH) decide on May 13, 2026?<\/span><\/div><div class=\"uagb-faq-content\"><p>The Federal Court of Justice ruled in its judgment of May 13, 2026 (Case No. IV ZR 27\/25) that an insurer did not effectively replace an invalid reduction clause with a new reduction provision. The insurer may not rely on the replacement clauses to the extent that they were introduced by amending the policy terms.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a5f0bb69\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is a clause replacement according to \u00a7 164 VVG?<\/span><\/div><div class=\"uagb-faq-content\"><p>Section 164 of the German Insurance Contract Act (VVG) allows insurers to replace an invalid provision in existing contracts with a new one. This is only permissible if the replacement is necessary for the continuation of the contract or if adhering to the contract without a new provision would constitute an unreasonable hardship.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-28b6f38a\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Why is the removal of the reduction clause not considered an unreasonable hardship?<\/span><\/div><div class=\"uagb-faq-content\"><p>Daily sickness allowance insurance is a lump-sum insurance policy. According to the German Federal Court of Justice (BGH), the fact that the agreed daily allowance and the actual net income may differ does not constitute an unreasonable hardship for the insurer. The ratio of benefit to premium remains unchanged.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-910f255b\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Can I claim back underpaid sick pay?<\/span><\/div><div class=\"uagb-faq-content\"><p>This is possible if the reduction was based on an invalid clause. Whether and to what extent additional payments are due depends on the specific contract, the notifications of changes, and the statute of limitations. A case-by-case review is required.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-4c94d4a0\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Does this ruling also apply to my insurer?<\/span><\/div><div class=\"uagb-faq-content\"><p>The judgment is directed against the defendant insurer. However, the Federal Court of Justice&#039;s (BGH) standards for clause replacement apply generally. Whether your insurer used comparable replacement clauses must be examined based on your policy documents.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-44975cc3\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Was my post also incorrectly edited?<\/span><\/div><div class=\"uagb-faq-content\"><p>The previous clause allowed for a simultaneous reduction of both the daily sickness benefit and the premium. If the daily benefit was reduced on an invalid basis, the premium adjustment should also be reviewed. The aim is generally to restore the originally agreed insurance coverage.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7ab03cea\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What documents do I need for the exam?<\/span><\/div><div class=\"uagb-faq-content\"><p>You will need the insurance policy, the terms and conditions at the time of purchase, all subsequent notifications of changes, and the letter announcing or implementing the reduction. Proof of daily allowances paid is also helpful.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-922e0bf1\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Do claims for back payments of sick pay expire?<\/span><\/div><div class=\"uagb-faq-content\"><p>Yes. Claims for insurance benefits are generally subject to the regular three-year limitation period according to \u00a7 195 of the German Civil Code (BGB). This period begins at the end of the year in which the claim arose. Anyone wishing to claim back payments should therefore act promptly.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-eef02c53\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">When should I consult a lawyer?<\/span><\/div><div class=\"uagb-faq-content\"><p>You should seek legal advice as soon as your insurer announces a reduction in benefits or informs you of a change to the terms and conditions. Reductions that have already been implemented should also be reviewed. In many cases, existing legal expenses insurance will cover the costs. You can find more information on our page about... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/rechtsanwalt-fuer-rechtsschutzversicherung\/\">legal expenses insurance<\/a>.<\/p><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Was das Urteil des Bundesgerichtshofs vom 13.05.2026 f\u00fcr Versicherte mit Krankentagegeldversicherung bedeutet Ihr Krankentagegeld wurde wegen gesunkenen Einkommens gek\u00fcrzt? Dann lohnt sich ein genauer Blick [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":102815,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1478],"tags":[1787,1788,1790,1789],"class_list":["post-102810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungsrecht","tag-krankentagegeld-gekuerzt","tag-krankentagegeld-herabsetzung-einkommen","tag-krankentagegeld-nachzahlung","tag-krankentagegeldversicherung-kuerzung-unwirksam"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Krankentagegeld gek\u00fcrzt? 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