Supplementary health insurance thus ensures more comprehensive medical care
and extended health protection
Statutory health insurance (GKV) in Germany offers solid basic coverage in the healthcare system. It is obligated to cover medically necessary services. However, this basic coverage is often not sufficient to meet individual needs and requirements. This is where supplementary health insurance comes in, providing a valuable addition to statutory health insurance. The benefits provided by statutory health insurance are regulated by the Social Security Code and are limited to what is “necessary.” This means that they focus on the essentials but do not cover many additional health services.
This can lead to financial burdens if patients with statutory health insurance wish to make use of certain services that are not subsidized by the statutory health insurance system, or only partially subsidized. Private supplementary health insurance closes these gaps and covers the costs of services that are not covered by statutory health insurance.
These can include preventive medical checkups, vision aids, dental costs, alternative healing methods such as treatments by alternative practitioners, and much more. Supplementary health insurance thus ensures more comprehensive medical care and extended health protection.
This can lead to financial burdens if patients with statutory health insurance wish to make use of certain services that are not subsidized by the statutory health insurance system, or only partially subsidized. Private supplementary health insurance closes these gaps and covers the costs of services that are not covered by statutory health insurance. These can include preventive medical checkups, vision aids, dental costs, alternative healing methods such as treatments by alternative practitioners, and much more. Supplementary health insurance thus ensures more comprehensive medical care and extended health protection.
Supplementary dental Insurance
Modern dentistry has made amazing progress in recent years and now offers treatments that were previously only possible in our dreams. Unfortunately, however, these advances often come at a high cost, and statutory health insurance (GKV) only covers a limited portion of the costs.
Supplementary dental insurance is an extremely useful addition to statutory health insurance (GKV) and offers insured persons the opportunity to optimally protect their dental health and receive treatment similar to that of private patients.
One of the outstanding features of supplementary dental insurance is the option to receive specialist treatment both on an outpatient basis and in hospital. This means that insured persons have access to the best dentists and implantologists to ensure that their dental health is cared for at the highest level.
Supplementary dental insurance can cover up to 100% of the costs, which means that insured persons do not have to worry about the financial implications of dental treatment. This applies to dentures as well as inlays and implants, which are on a par with private medical treatment.
Private patient treatment at the dentist is another highlight of supplementary dental insurance. Insured persons have access to high-quality dental services without long waiting times and with individual advice and care.
Our companies' supplementary dental insurance policies have repeatedly come out on top in studies and comparisons and have been rated “VERY GOOD” by Stiftung Warentest on multiple occasions. This underscores the high quality and value of this type of insurance. Overall, supplementary dental insurance offers comprehensive coverage for dental health and allows policyholders to know that their teeth are in the best hands. It guarantees high-quality dental treatment without financial concerns influencing the decision to seek the best dental care.
Outpatient supplementary insurance Glasses Contact lenses Hearing aids
Supplementary health insurance for outpatient treatment is a valuable addition to statutory health insurance (GKV). It enables insured persons to tailor their healthcare to their individual needs and access services that are not covered by statutory health insurance, or only to a limited extent. Free choice of doctor is an important aspect offered by supplementary outpatient insurance. This means that insured persons can decide for themselves which doctor or alternative practitioner they would like to see, without being restricted to a predetermined list of contracted doctors.
This gives them access to specialist doctors or alternative healing methods that best help them. Supplementary outpatient insurance also covers the costs of preventive medical checkups that go beyond the standard screenings offered by statutory health insurance. Regular preventive medical checkups are crucial for detecting and treating health problems at an early stage.
Vision aids such as glasses and contact lenses are often expensive, and statutory health insurance usually only covers part of the costs. Supplementary insurance for outpatient treatment can help here and significantly reduce the financial burden. Support for osteoplastic treatments (bone treatments) and alternative healing methods such as treatments by alternative practitioners are further important benefits that supplementary outpatient insurance can offer.
It enables insured persons to explore different approaches to health promotion and treatment and choose the option that best suits them. Overall, supplementary outpatient insurance is a sensible choice for those who want to tailor their healthcare to their individual needs and do not want to forego high-quality services from alternative practitioners, preventive medical checkups, and vision aids. It offers the flexibility and financial support to ensure comprehensive healthcare that meets individual needs.
Supplementary hospital Insurance
Supplementary hospital insurance is an important addition to statutory health insurance (GKV) and offers insured persons the opportunity to be treated as a private patient in hospital and to recover in peace.
With supplementary hospital insurance, insured persons have the choice of being treated by specialists or chief physicians, which often means better medical care and individual attention. In addition, they can recover in a single or double room, which ensures privacy and comfort.
Another important benefit is repatriation from abroad in the event of illness or accident. This is particularly relevant for travelers who fall ill abroad and want to return home safely.
Free choice of hospital allows insured persons to use the hospital of their choice without being tied to specific clinics. This ensures maximum flexibility and the opportunity to select a clinic that meets their individual needs and preferences.
Overall, supplementary hospital insurance offers comprehensive coverage for hospital stays and ensures that insured persons are treated like private patients and receive the best possible medical care. It gives them the certainty that, in the event of hospitalization, they are in the best hands and can rely on first-class care.
Supplementary daily sickness allowance Insurance
Daily sickness allowance insurance, also known as sick pay or loss of earnings insurance, is an important form of supplementary health insurance that takes effect after the employer's continued payment of wages expires. This insurance provides a daily sickness allowance that is also paid on Sundays and public holidays. The amount of the daily sickness allowance depends on the individual net income of the insured person. This ensures that the daily allowance adequately covers the actual loss of income during the illness.
A key advantage of daily sickness allowance insurance is that the benefits are not subject to social security contributions. This means that insured persons receive the full agreed daily sickness allowance without any deductions, helping to stabilize their financial situation during their illness.
This type of supplementary health insurance is particularly important because it offers insured persons financial security if they are unable to work due to illness. Daily sickness benefits can help cover ongoing costs and maintain living standards when income is lost.
Overall, daily sickness allowance insurance offers sensible protection in case of emergency and helps to cope with the financial consequences of a prolonged illness. It enables insured persons to concentrate on their recovery without having to worry about financial difficulties.
A major advantage of this insurance is the unlimited duration of benefits. This means that the agreed daily allowance is paid for as long as the illness lasts, with no time limit. The worldwide validity of the supplementary daily sickness allowance insurance ensures that insured persons can also benefit from the benefits abroad if they require medical treatment.
Supplementary hospital daily allowance Insurance
Supplementary daily hospital allowance insurance provides insured persons with financial support during a hospital stay. Insured persons can choose the daily hospital allowance according to their needs.
This daily allowance can be used freely to cover additional costs related to the hospital stay, such as travel to the clinic or accommodation costs. A major advantage of this insurance is the unlimited duration of benefits. This means that the daily allowance is paid for as long as the hospital stay lasts, with no time limit.
The worldwide validity of supplementary daily hospital allowance insurance ensures that insured persons can also benefit from the benefits abroad if they require medical treatment. Overall, supplementary daily hospital allowance insurance offers financial security and flexibility during a hospital stay. It allows insured persons to focus on their recovery without having to worry about the financial burdens that can arise from a hospital stay. concerns influencing the decision to seek the best dental care.
Private supplementary nursing care Insurance
Private supplementary care insurance is an indispensable addition to statutory care insurance, as statutory coverage is often insufficient to cover the rising costs of care in old age.
One of the biggest challenges in nursing care is the financial burden placed on those in need of care and their relatives. Statutory nursing care insurance only covers part of the costs, and the rest must be paid for from personal funds or by relatives.
Private supplementary nursing care insurance helps to close this financial gap.
An important function of private supplementary nursing care insurance is to provide cover against the costs of nursing care and the personal contribution that may arise if nursing care is required. This means that the insurance company covers the costs of nursing care without the insured person having to provide proof of costs.
Another advantage is that benefits can be claimed without a waiting period, starting at care level 1. This ensures that insured persons can immediately benefit from the insurance benefits in the event of a need for care. Private supplementary care insurance also offers valuable assistance services that provide support and advice to those in need of care and their family members to ensure the best possible care.
By taking out private supplementary care insurance, people can ensure that they receive first-class care if they need it, without jeopardizing their financial security. This makes care easily affordable and relieves the burden on both those in need of care and their relatives.
Private health Insurance
Choosing private health insurance is an important decision that should be tailored to your individual needs and preferences. Here are some aspects you should consider when comparing private health insurance plans:
1. Optimal medical care: Good private health insurance gives you access to first-class medical care and quick appointments with specialists.
1. Guaranteed coverage: You should ensure that your insurance covers the costs of your planned medical treatments and examinations without requiring high co-payments.
1. Dental prostheses: Comprehensive coverage for dental prostheses can be customized to your individual needs.
1. Single or double room: If you need to be treated in hospital, it is important to check whether your insurance covers a single or double room in your preferred hospital.
1. Treatment by a chief physician: Some health insurance policies allow you to choose a chief physician, which can be advantageous in many cases.
1. Free choice of doctor: Ensure that you have the freedom to choose your doctor without being restricted to a specific network. This also applies abroad.
1. Free choice of hospital: The ability to choose the hospital of your choice is important, especially if you have a preference for certain medical facilities.
1. Alternative practitioner services: If you prefer alternative medical treatments, you should ensure that these are covered by your insurance.
1. Glasses and contact lenses: Check whether the insurance covers the costs of vision aids such as glasses and contact lenses.
1. Daily sickness allowance: This is particularly important if you are self-employed or your income depends on your ability to work.
1. Premium refund: Some private health insurance companies offer premium refunds if you do not claim any benefits. This can reduce the overall costs.
Fee schedule for outpatient, inpatient, and dental care
Private health insurance often reimburses doctors' fees in accordance with the German Scale of Medical Fees (GOÄ) up to the
maximum rate. This means that the insurance company covers the full costs in accordance with the GOÄ, even if they exceed
the maximum rates.
Choice of doctor
With private health insurance, insured persons often enjoy free choice of doctor, which means that they have unrestricted
access to doctors and specialists of their choice, and the insurance covers 100% of the costs.
Alternative medicine
Some private health insurance companies offer 100% reimbursement for selected services provided by alternative practitioners
and alternative medicine, particularly in special tariffs tailored to the needs of the insured.
Glasses and contact lenses
Some private health insurance companies reimburse 100% of the costs for vision aids such as glasses and contact lenses up to
an amount of EUR 600 every two insurance years or even more. This offers insured persons financial support for vision
correction.
Inpatient hospital services
In private health insurance, inpatient services are often reimbursed up to the maximum rates according to the German Scale of Medical Fees (GOÄ), even if these are exceeded. This guarantees comprehensive medical care.
Free choice of hospital
Patients with private health insurance often have the choice between shared rooms, single rooms, and double rooms in the hospital. In addition, the insurance allows for treatment by the head physician and free choice of hospital.
Dental treatment
Some private health insurance companies reimburse dental treatment at 100%, which means that the entire cost of dental services is covered without the insured person having to pay any excess.
Dentures
When choosing a dental prosthesis tariff in private health insurance, insured persons are free to select the tariff that suits their needs.
This allows them to choose the materials they want and reimburses up to 100% of the costs, but the benefits vary considerably depending on the tariff. It is therefore advisable to compare the tariffs carefully.
Orthodontics
With private health insurance, insured persons can choose their own orthodontic plan, which also includes the choice of materials. Some plans reimburse up to 100% of the costs. However, there are considerable differences between the plans. We would be happy to advise you on the differences.
Deductible
The deductible in private health insurance can be chosen annually in a variable and flexible manner. Insured persons have the option of choosing a fixed deductible or a percentage deductible, depending on their individual needs and financial circumstances.