Your insurance only reimburses the treatment costs for acute diseases, pregnant and motherhood. For children and adolescents, the costs will only be reimbursed to a limited extent. The emergency tariff is the same for all insurers. You can find more information about the emergency tariff at the PKV association. The emergency tariff has a very low contribution. The aim is that a temporary insured insured can pay the contribution debt as soon as possible. The services are limited to the bare essentials. No aging provisions are formed that reduce the later payments in old age. Since pension provision is no longer necessary in the emergency tariff, the residues should be quickly compensated for. You should return to a normal tariff as soon as possible.