The abbreviation ‘GOÄ’ stands for Gebührenordnung für Ärzte (scale of fees for doctors). ‘GOZ’ stands for Gebührenordnung für Zahnärzte (scale of fees for dentists). German doctors and dentists are obliged to charge for treatment in accordance with the respective scale of fees. For each treatment, a specific amount is specified for each treatment and varying percentages can be charged based on this amount. The insurer pays 1.8-3.5 times the rate depending on the tariff that has been taken out. Examples: Invoice with a fee rate that exceeds the reimbursable rate: With the MAWISTA Student Classic tariff, the insurer will generally reimburse 1.8 times the scale of fees. The insured person receives an invoice with 2.3 times the rate of the scale of fees. The insurer will reimburse the incurred costs at 1.8 times the rate after they have checked the invoice (with deduction of excess depending on tariff). The difference must be covered by the insured person. We therefore recommend discussing the invoicing methods with the doctor before receiving treatment. Invoice with a fee rate that is lower than the reimbursable rate: With the MAWISTA Student Classic Comfort tariff, the insurer will generally reimburse all insured benefits from 1.8 to 3.5 times the rate.