My insurer is not paying or refuses to pay

How the roadmap works. Answer the questions. Your roadmap is built from them. It shows what you can do towards the insurer, which deadlines are running and where you can get free help. This is about private insurance. There are separate roadmaps for statutory health insurance, pension insurance and the employers' liability insurance association (Berufsgenossenschaft).

Your answers are not stored or transmitted; they only appear in your browser's address bar. Anyone who shares the link also shares the answers. Legal status as of November 2026: VVG (Insurance Contract Act; §§ 14, 15, 19, 21, 22, 28, 30, 31, 40, 81, 82, 83, 84, 92, 103, 104, 111, 128, 173, 174, 202, 203, 204, 205, 206, 214, 215); PflVG (§ 1); VAG; FinDAG (§ 4 Abs. 4, § 4b); BGB (§§ 123, 193, 195, 199, 204 Abs. 1 Nr. 4 und Abs. 2, 286, 288, 305c); DSGVO (Art. 12, 15); ZPO (§§ 114 ff.); GVG (§ 23 Nr. 1, amount-in-dispute limit €10,000); BerHG with Nr. 2500 VV RVG (€15); rules of procedure of the Versicherungsombudsmann (insurance ombudsman; binding up to €10,000, recommendation up to €100,000).