What is it?
Anyone with statutory health insurance can take out supplementary health insurances for benefits that are not, or are no longer, covered in the standard package. Statutory benefits ‘must not exceed the necessary.’ Of course, those who are privately insured can ‘top up’ their plans based on their individual needs.
What are the benefits?
Private supplementary insurances offer a broad range of coverage. Let us briefly introduce the most important private supplementary insurances:
- International travel health insurance: This is the most common of the private supplementary health insurances. It covers costs for medical care incurred abroad. International travel health insurance pays for your medical care as well as repatriation to your place of residence.
- Supplementary dental insurance: Another common option is the supplementary dental insurance. This covers part of the costs for dental services such as preventive care, dentures, and orthodontic treatment.
- Supplementary hospital insurance: In case of an extended stay at a hospital, this insurance provides benefits that are usually reserved for privately insured individuals only. Among these benefits are accommodation in a private single or double bedroom and treatment by a chief physician.
- Supplementary outpatient insurance: This policy contains a large number of supplementary insurances. It covers costs for e.g. prescription glasses, hearing aids and other medical aids and remedies that are not covered by the statutory health insurance.
Supplementary nursing care insurance: Adds coverage to the mandatory nursing care insurance, e.g. by simply giving you more money to spend on necessary help.
Who is it for?
An absolute must-have is international travel health insurance, since it is very affordable and offers a broad coverage. Supplementary dental insurance is recommended as well, as high costs surrounding dental treatment may incur very quickly.
Apart from these, it’s up to you to decide which insurance would make most sense for you. The consideration should always be: What if I had to bear the costs myself in a case of emergency?
It is important to note that private supplementary insurance is always taken out with a private insurance provider, rather than with the statutory insurance provider, given you different treatment at a medical service provider.
In order to have the perfect mix of private supplementary insurances, feel free to reach out to us. Together we will ensure that you only pay for the coverage that you really want and need.
Did you know?
Number of private supplementary insurances
Interesting & Useful things
Here’s an article from the German consumer organisation Stiftung Warentest discussing the various options for private supplementary insurance: