How it works

The insurer pays. You stay in control.

Four steps, a clear payment flow and a separate route for exceptions.

Report the appointment

Use the app or phone — both channels work in German.

Confirm the amount

You do not need to estimate the cost or advance the money.

Approve payment

For approved treatment, the payment route is generally ready within minutes.

Pay at the doctor

At the doctor or pharmacy, pay through the intended card route — not from your own account first.

Card illustrations are schematic, not the original product.

Problem first, then the solution

The difference is the payment flow.

The question is not whether an invoice exists. It is whose balance carries the first payment.

Pay first

Your account: pay for treatment first

Paperwork: collect invoices and documents

Review: submit and wait

Your money leaves the account while reimbursement is reviewed.

With PassportCard

Report: app or German support

Insurer: pays the approved treatment

Pay: your account stays separate

The insurer pays the approved treatment.

Prior approval and a guarantee of payment may be required. The contract contains the binding terms.

The link takes you directly to PassportCard, where you can see the price, plan and terms for your details.