Regarding the zzv, it was said that the same amount as the GKV would be paid, the GKV pays 3200, the zzv claims 2200!??? Invoices were submitted for which I paid *** , *** was reimbursed!??? Further details are still being processed without any feedback so far, the processing/reimbursement was quick, but further details are pending... therefore, no conclusion can be drawn yet, better than the German family insurance, however, ergo is definitely better, here I paid contributions for years before everything was rejected due to unfounded reasons, so far I am relatively satisfied at least