Private supplementary health insurance: compare with

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Private supplementary health insurance benefits

Most Germans are covered by statutory health insurance (GKV) as part of social insurance. However, many treatments and medications are no longer covered by statutory insurance protection. Supplementary health insurance is therefore a useful addition to the services provided by health insurance companies. It is always worth comparing the offers of the various insurance companies.

The benefits of private supplementary health insurance can be put together from a service catalog according to the needs of the insured. There are basically several main service groups from which the individual contract can be composed:

Additional outpatient insurance
hospital insurance
dental insurance
Daily benefits
foreign insurance
Treatments by alternative practitioners and alternative medicine

After taking out supplementary health insurance, there are basically waiting times before services can be received for the first time. The general waiting times are three months and relate to all service areas. Longer waiting times can also be agreed for selected areas. These can be up to eight months. Certain previous illnesses can lead to an application for supplementary insurance being rejected. There is a reference work for the so-called rejection diagnoses, in which all diseases that are not insurable are listed in alphabetical order.

Additional outpatient insurance

While legally insured persons have to make do with the normal treatment as a health insurance patient at the resident doctor and have to expect expensive additional payments or personal benefits for many medicines, visual aids or the use of special naturopathic treatments by alternative practitioners, private supplementary health insurance covers up to 100 percent of such costs. Important preventive medical check-ups are mostly included in the scope of the supplementary insurance.

hospital insurance

Supplementary hospital insurance includes the same hospital service as a private patient. This usually includes treatment by a chief physician. The treatment of chief physicians in particular is of great importance to many people insured by law when they are in hospital. Some insurers also offer free choice of hospital.

As a rule, hospitalization takes place in single or twin rooms. But there is also the option of staying in a single room only. With many providers, in addition to the insurance for the hospital, the daily hospital allowance can be included in the scope of insurance. Daily subsistence insurance is a useful module of private supplementary insurance, especially to cover loss of earnings.

dental insurance

Especially in the field of dentistry, the statutory health insurance insufficient protection. Only medically necessary interventions are covered by the SHI. Patients have to make additional payments for dentures, even with the simplest designs.

Supplementary insurance is now almost indispensable for dental services if expensive in-house services are to be avoided. Depending on the provider and tariff, the supplementary health insurance covers up to 100 percent of the costs for dental treatment, dental prophylaxis and dental care. Dentures, such as implants or inlays, are also part of the scope of services. Depending on the tariff, the costs are borne to a high percentage.

sick pay

If the policyholder is unable to appear at work due to a lengthy illness, he may lose income from the 43rd day of the illness. Some of the insured receive sick pay from the statutory health insurance. Nevertheless, it is worth taking out daily sickness benefit insurance. The daily sickness allowance replaces the loss of earnings in an agreed amount depending on the insurance policy. Daily subsistence allowance is a good way to secure yourself, especially for the self-employed and freelancers. You should consider this point when taking out your supplementary health insurance.

international protection

Insurance protection when traveling abroad is automatically included in the range of services for almost all tariffs for supplementary health insurance. The scope and duration of validity can vary between the individual providers. International protection means that the insured person does not have to take out additional travel health insurance when traveling abroad in most cases. In almost all countries, foreign patients are only treated as private patients.

In the Schengen countries too, statutory health insurance only partially covers the treatment costs. In addition to outpatient and inpatient treatment costs, dental insurance is also part of the scope of insurance for international protection. In addition, the supplementary insurance covers the repatriation of health from abroad. Many tariffs also cover the costs for an accompanying person.

Alternative medicine in supplementary health insurance

Treatment with alternative medicine, which is not paid for by statutory health insurance, is also included in the insurance in many cases. The treatment by alternative practitioners can be explicitly included in the contract or an independent alternative practitioner insurance can be agreed.

Note the waiting times for the additional insurance

Certain previous illnesses can lead to an application for supplementary insurance being rejected. There is a reference work for the so-called rejection diagnoses, in which all diseases that are not insurable are listed in alphabetical order.

Supplementary health insurance – interesting primarily for those insured by law

A private supplementary health insurance is an optimal solution for all those insured by law who do not have the option of getting a full tariff private health insurance (PKV) to change. Such a change is only possible for employees above a certain income level. The self-employed and freelancers can switch to private health insurance at any time, just like beneficiaries (e.g. civil servants). However, this regulation means that the majority of the population is not able to take advantage of the more extensive and convenient protection of private full health insurance.

With the help of additional insurance, however, the statutory insurance can be expanded and upgraded. Even for those who can take out private or statutory health insurance, it is worth thinking about this additional insurance – in addition to the SHI – because this is often the far cheaper insurance option. Supplementary hospital insurance in particular is very popular with many insured persons, because you want the best protection and service, especially during your time in hospital.

Health issues in supplementary health insurance

As a rule, the insured person must undergo a health check before taking out additional health insurance. Here the insurers determine the risk of an illness. It is important that the health questions are answered truthfully and that no illnesses are concealed, otherwise the insurance company can refuse benefits. If patients have previous illnesses, they can expect higher premiums or benefit exclusions. Supplementary health insurance without a health check is also sometimes offered.

Additional insurance can be selected individually

Policyholders can put together their insurance cover according to their wishes. The individual components, such as supplementary hospital insurance or daily sickness benefits, can be included depending on the policy. When comparing Verivox, you can choose the individual components of supplementary health insurance and compare the contributions.

Anyone who deals with supplementary insurance should also consider supplementary care insurance. It applies in the event of long-term care. This can be very expensive and financial limits are quickly reached, so the family has to pay for the costs. Supplementary long-term care insurance protects the savings of the insured and his family.