What is an insured sum and how does it work?
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What is an insured sum and how does it work?

Summary: You might have come across the term insured sum or coverage sum when applying for an insurance plan. Depending on the plan, you might have even had the chance to choose which insured sum you’d like to have (for example life insurance or household contents insurance). In this article, we’ll go over the types of insured sum and how to know if you’re over or underinsured.

An insured sum is the amount of coverage you have in any given insurance plan. Depending on which type of insurance you have, this is either a one-time sum (like a life insurance payout) or an annual sum (like a liability or household contents insurance plan). 

This means that if you were to need to submit several liability insurance claims throughout the year that totaled more than your insured sum, you wouldn’t receive reimbursement for the amount over your insured sum. If this happens, it means that you’re underinsured and that you need additional coverage to fill in the gap. 

Insured sum for health insurance

If you’re insured under public health insurance, you’ll only really need to watch out for medications and health aids when it comes to your insured sum. Depending on your doctor and why you were prescribed these medications or health aids, you’ll have more or less coverage. These are called Zusatzbeiträge, and we cover them in another article on public health insurance. 

For private health insurance, the insured sum is set in a few more areas since you receive additional coverage not included in public health insurance for things like chiropractors, dental, and vision, among other things. These are set insured sums that are generally only able to be increased when switching from basic to premium coverage. To get a full list, you can contact us if you’re insured with our private health insurance, or you can contact your regular private health insurance provider for more information. Just know that these amounts change on an annual basis depending on several factors like inflation and the increase in the cost of procedures.  

Expat insurance has a few insured sum limitations since it’s used for the gap between coming to Germany and deciding if you want to stay, or until you’re able to meet the requirements for public or private health insurance. For instance, dental pain treatments are covered up to €1,000 annually (both basic and premium), visual aids are covered up to €200 annually (premium), €200 for general dental check-ups and €100 for cleanings (premium), €300 for cancer screenings (premium), and a €5 monthly allowance for health-related apps (premium). 

Insured sum for dental insurance

There are also different insured sums for dental insurance. If you have Feather’s dental insurance, you’ll be able to get unlimited cleanings per year with the advanced plan and up to €150 of cleanings in value per year with the basic plan (as long as the Steigerungsfaktor (severity factor) is 3.5 or less).

Basic dental insurance

If you’re on our basic plan, there are limitations for the first few years of coverage before you have an unlimited insured sum.

Cleanings €150 per year
High-quality fillingsFirst year: €150
First two years: €300
After the third year: Unlimited
Root-canalsFirst year: €150
First two years: €300
After the third year: Unlimited
MouthguardsFirst year: €150
First two years: €300
After the third year: Unlimited
Pain treatments (partially covered under public health insurance)First year: €150
First two years: €300
After the third year: Unlimited
Advanced dental insurance

The same is true for our advanced dental insurance coverage, but you have more coverage in general, so there are additional factors to take into account when making an appointment for certain treatments.

Replacing teethCoverage of 90% with the following limitations: 
During the first year: €1,500
During the first two years: €3,000
During the first three years: €4,500
During the first four years: €6,000
After the fourth year: Unlimited
Teeth whitening€200 every two years
Pain treatmentsUnlimited
Root canalsUnlimited
High-quality fillingsUnlimited
Insured sum for liability insurance

Because of how many different things liability insurance covers, there is a general insured sum that is in your contract and differs for each individual who applies along with other smaller restrictions for specific situations: 


  • If the person is not known:

(must be an intentional criminal act filed with the police)

  • Physical harm
    (does not include mental health treatment)
  • €50,000

Liability related legal insurance 

(Please see policy documents for exclusions)

  • €150,000

Some self-employed/freelance activities

(See the full list of professions on the policy documents)

  • €15,000 annually

Unintentional negligence 


Household contents insurance

Because your belongings are covered, and you can set the amount of their value, it means you’ll be able to choose the insured sum yourself. However, some things are restricted outside of the insured sum just like all other insurances. 

Valuables inside of a safe20%30%
Damage from smoke and sootx20% of the insured sum up to €10,000
Theft from water and motorsports vehicles x€5,000
Trick theft (through deception)x€5,000
Rain, snow, hail through the windowx€5,000 with a €500 co-pay
Items outside25% for 3 months max40% for 12 months max
Moving expensesx€5,000
Additional coverage to upgrade items during an insured event to eco-friendly alternativesx€500 per appliance
Frozen goods damaged during an insured eventxUntil insured sum

This is only a portion of what’s in the contract, too. That’s why you can see the full version of this coverage table on the quote screen of our household contents insurance.

Insured sum for life insurance

If you have financial dependents (a partner, children, family members, a business partner, or even a mortgage lender), then you’ll need to get a life insurance plan to support them in case something were to happen. While it isn’t the greatest thought, you would be providing them with financial security that would allow them to adjust to the new situation by going through a retraining program or by changing their lifestyle by moving to a smaller apartment, etc. 

The life insurance sum is decided by you and can be raised on a yearly basis to accommodate additional dependents. If you’re thinking of getting an insured sum of more than €600,000, you’ll need to get a health check-up before your application is accepted.

Insured sum for occupational disability insurance

Occupational disability insurance will provide income for you if you were no longer able to work in your specific field. That also includes stay-at-home spouses and students. Since around 25% of all people will eventually experience an occupational disability that will either make it impossible for them to work in their field for a temporary or permanent amount of time (think having a stroke with a good chance of recovery vs a major stroke).

Your insured sum is then the amount that you think you’d need to support yourself in case of an occupational disability. It’s important to add any dependents to avoid being underinsured.

Want to know more about different insured sums? Just write to us about which plan you’d like to understand better, and we’ll add it to the article!

Always been curious about the people who live in Berlin and how they navigate the system as expats? We sat down with Nicolas from All About Berlin to talk about his inspiration for creating the website and guides, along with his plans for the future, including some pretty cool tools that make life in Berlin that much easier. 

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