Supplementary health insurance comparison 2020
The best private supplementary insurance in the test.
The health insurance company pays the costs of medical care, however you have to pay for certain additional services yourself, if you have not taken out additional health insurance.
Find the perfect tariff using our search mask Tooth additive, daily sickness allowance, single room in the hospital or alternative practitioner covers. There are many providers who have previously performed well in financial tests.
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- The most important supplementary insurances are daily sickness benefit insurance for employed persons, dental insurance for children and people over the age of 35, and later supplementary care insurance.
- Supplementary hospital insurance is not necessary, but it does meet the wish for a better status as a patient.
- You can confidently forego daily hospital insurance and an outpatient policy. You can read more about the different types of supplementary health insurance here in our guide 2019/2020.
Anyone earning less than € 57,600 as an employee is not allowed to take out full private insurance. With a private supplementary insurance, however, members of the health insurance can Status of a private patient is getting significantly closer.
Supplementary health insurance is also advantageous for those who can be a private patient but prefer to be voluntarily insured by law – for example, so that the contributions are only salary-related and not risk-dependent.
You need this supplementary insurance:
To avoid major financial constraints is one Care benefit insurance sensible as well as, especially for the self-employed and high-earners Daily benefits insurance, which supports you in the event of longer incapacity to work.
One protects against high one-off costs, which the health insurers do not cover for dentures and orthodontic interventions dental insurance–
Travelers should consider one international health insurance do not do without.
A hospital insurance does not cover financial risks, but fulfills the desire for specialist treatment and accommodation in a single or double room.
Outpatient supplementary insurance are only worth considering for followers of naturopathy.
1. Daily sickness benefit insurance helps with dry spells
1.1. Without a private policy, high fixed costs are difficult to cover
Supplementary health insurance without health check?
Before concluding the contract, you must answer two or three health questions or an entire catalog of questions about your health to the insurance companies. Previous illnesses then lead to higher contributions. Incorrect information can lead to loss of insurance coverage. supplementary health insurance there is no health check at the DKV, here, however, only a single or twin room is insured.
The employer pays the full salary for the first six weeks in which you are on sick leave. If you have not been able to go to work for more than 42 days, the statutory health insurance pays sickness benefit. It is 70% of your gross salary, however maximum 2,605 euros net (Status: 2017).
If you are unable to work for a longer period of time, this difference to your previous salary can be difficult, especially if you still have to cover high expenses, e.g. a real estate loan.
Even if you already have occupational disability or disability insurance, daily sickness benefit insurance is useful. Because permanent occupational disability is mentioned after six months at the earliest, as long as the relevant insurance companies often pay nothing.
1.2. Very important support for the self-employed
Health insurance is worthwhile for the self-employed especially. A large care gap can arise in the first six weeks of illness if you achieve less or no income from your lack of work. At the same time, current operating expenses must be covered.
In addition, some self-employed people have a tariff with the SHI, even after six weeks of illness, there is no sick pay. The daily sickness allowance of private insurers for self-employed persons is a maximum of 70 to 80% of their profit before tax.
1.3. Daily hospital benefits insurance is not enough
Daily sickness benefit insurance pays a fixed amount for each day you are treated in hospital.
We do not consider this insurance protection to be very effective: in order to be better covered in long periods of illness, it is not enough to provide financial protection only during the hospital stay. Also done more and more outpatient operations and long after the inpatient stay, health can still be bad. Then the daily hospital insurance pays nothing.
2. Dental supplementary insurance
Because braces and retainers are expensive, dental insurance is particularly worthwhile for children and adolescents.
In no other area have the statutory health insurance companies reduced their benefits as much as in dentistry. Self You have to pay a lot for the cheapest dentures. The results of the more expensive interventions are not only more aesthetic, they are usually also significantly higher quality and more pleasant.
Dental supplementary insurance is therefore one of the most important additional health insurances. Appropriate tests rate a relatively large number of tariffs as good to very good. Since many people need the first denture at the age of 40, this additional insurance is worthwhile from around 35 years.
The tooth supplement can be concluded in combination with other additional policies, for example via our calculator above or separately.
Dental supplementary insurance also makes sense for children: Up to the 18th birthday, every second person needs orthodontic treatments, mostly with braces.
The cash registers only make corrections from the third severity level and then usually only 80%. For measures that lead to a nicer or faster result, they sometimes pay a significantly lower share.
3. Health insurance is not enough for travelers
If you go to a doctor abroad, you may have to dig deep into your pocket GKV takes over emergency treatment within the EU, in eight other European countries as well as in Morocco, Tunisia, Israel and Turkey.
However, it only pays for what is taken over in this state – often that is significantly less than in Germany. Return shipments are also not covered.
We recommend globetrotters a health insurance that lasts all year round. she is cheaper than international insurance that is only taken out for one trip.
4. Supplementary hospital insurance
4.1. Chief physician treatment – the core of the additional policy
With supplementary hospital insurance, also known as inpatient supplementary insurance, you have the free choice of doctor. Most of the time, there is talk of chief physician treatment, but with the free choice of doctor you can also consult a specialist who is not a chief physician.
The fee schedule for doctors (GOÄ) is decisive for private patients and people with stationary additional insurance. Doctors ask for treatments that are common and simple regular 2.3-fold rate the scale of fees.
Gerd Güssler, Managing Director of the KVpro analysis company specializing in health insurance.
"More than 90 percent of medical bills are billed at 2.3 times the rate", explains health insurance expert Gerd Güssler from KVpro.
According to Güssler, the additional insurance should nevertheless take over the 3.5-fold sentence (maximum sentence): "For treatments that are very complicated or time-consuming, the 3.5-fold rate is often used – this cannot be predicted well beforehand. The fees for doctors can also be significant on the bills".
Medical luminaries sometimes charge a price above this maximum. For this reason, some private supplementary insurances also reimburse 5 times the fee schedule.
4.2. Single room – insure or pay yourself?
A single room offers some amenities, but the capacities in the hospitals are not always sufficient.
The rates of supplementary hospital insurance typically include single or double rooms.
However, even with a private policy, you do not have a guarantee of not having to go to a shared room. The Single rooms available are relatively limited in normal hospitals. In addition, the wards are sometimes so overloaded that some patients have even had to spend the night in the hallway.
Anyone who attaches great importance to bypassing a multi-bed room in the hospital is still well served with a tariff for single or double rooms. When concluding the contract, make sure that a compensation payment is provided if you were unable to use the policy benefits in the hospital.
By when should you take out additional stationary insurance??
The older you are, the higher the probability that you will no longer be offered cheap insurance due to previous illnesses.
On the other hand, you don’t need health insurance as often at a young age. We also advise, first of all to hedge existential risks, et al with an occupational disability insurance before you take out additional health insurance. It is recommended that the stationary insurance up to the age of 40 complete.
Sometimes the insurance conditions stipulate that the customer receives an amount from 10 to about 50 euros per hospital day if, despite the policy, no desired accommodation was possible.
What it costs you if you pay the surcharge for a single room yourself depends heavily on the state in which the hospital is located:
2015 was the Single room surcharge per day highest in Berlin, 120 euros on average, and lowest in Saxony-Anhalt with a good 70 euros on average.
Who one Two bed room supplement paid, came to about 32 (in Saxony-Anhalt) to 54 euros (in NRW) per day.
Many supplementary hospital insurance policies for single or twin rooms do not exist without additional services having to be agreed.
At DKV, for example, insurance costs for a 1-bed room without any other benefits for a 32 year old12.45 euros a month. The Ergo also gives this price for the same service.
4.3. Free choice of hospital – outside of private clinics
The statutory health insurance (GKV) takes care of the treatments in the nearest suitable hospital.
Instead, if you visit a hospital that is more expensive, you will have to pay the difference.
Supplementary hospital insurance can cover these additional costs. However, the private clinics are reserved for PKV members. The hospital must therefore have a contract with the health insurance companies so that the supplementary insurance reimburses the costs.
4.4. "Rooming-In" for children
If you have one for your child hospital insurance to lock, "Roomin in" should be there. This means that the mother, father or other caregiver is placed in the hospital with the young patient.
Without a "roomin in" service, parents pay for their own accommodation and meals. The costs are the same as for a mediocre hotel.
5. Additional outpatient insurance
5.1. Alternative practitioner treatment – no money from the till
Cupping has been practiced since ancient times and is said to help against migraines, rheumatism and numerous other complaints. An outpatient insurance covers the costs.
Alternative medicine is part of the Core of an outpatient supplementary insurance. Some naturopathic treatments such as acupuncture are paid for in certain cases by the statutory health insurance, provided that a doctor carries them out and not a naturopath.
The costs of an alternative practitioner or osteopath, on the other hand, are usually not covered, which is why the additional insurance is provided. The so-called Hufeland Directory provides information on the typical costs of reimbursable alternative treatments, which the insurers use as a guide.
The cheapest outpatient policies, which are only an alternative practitioner insurance, are already for less than ten euros a month to have. However, the maximum annual reimbursement limits here are 500 euros or lower.
However, many outpatient insurance companies are not only devoted to alternative medicine, more expensive tariffs are reimbursed e.g. often also medication that the SHI does not pay or only pays in part.
Tip: Some statutory health insurance companies have expanded their catalog to include a number of alternative healing methods. With the help of our SHI calculator, you can find out what is paid by which fund. One of the Securvita has the best offers in the field of naturopathy.
5.2. Eyewear insurance – present >
Read here what fixed amounts the SHI pays for visual aids.
The assumption of costs for glasses and contact lenses are a possible component of the outpatient supplementary insurance.
Insurance cover is mainly relevant for people who attach great importance to high-quality glasses and their Eyesight will deteriorate further over the next few years, so that new visual aids are necessary on a regular basis.
In such cases, however, it can happen that the health insurance premiums become more expensive due to health issues.
Eyewear insurance is therefore only worthwhile if you are also interested in the remaining benefits of the outpatient supplementary insurance and the eyewear insurance is inexpensive to choose from.
5.3. Policy for IGeLs – use the free provision first
In addition to alternative medical procedures, other IGeL services can also be included in additional outpatient insurance. IGeL stands for individual health care. With that Self-pay services meant that, in the eyes of statutory health insurance, are not sufficiently economical, necessary and sensible to be reimbursed. These treatments include, for example professional tooth cleaning, Glaucoma screenings (glaucoma) or the Ultrasound examination of the ovaries for cancer prevention.
If necessary, doctors suggest an IGeL service to the health insurance patients and point out the costs.
An important self-paying service is travel medical prevention with vaccinations if a trip to certain regions is planned.
It is questionable whether individual self-payer benefits are so important to you that an insurance supplement is worthwhile, especially if you are not yet fully taking advantage of the free check-ups.
A The IGeL-Monitor gives a better idea of which treatments are useful of the medical service of the health insurance companies. It presents the assessments of the IGeLs, their costs and alternatives that are paid by the fund.
6. Private long-term care insurance
At the age of 55 at the latest you should also consider private long-term care insurance, also known as supplementary long-term care insurance. Statutory long-term care insurance is often referred to as "partial comprehensive insurance" because patients have to pay a considerable part of the actual care costs themselves.
The statutory nursing care insurance usually does not even cover half of the costs for accommodation in nursing homes. So the needy care remains monthly sitting at 1,000 to 2,000 euros for the nursing home and before the state can provide further financial support, the children have to pay maintenance.
The most flexible form of private long-term care insurance is long-term care allowance insurance, which pays a contractually agreed amount per month for both professional and home care.
Current rates of long-term care allowance insurance and information on the care reform 2017 can be found in our corresponding guide.
7. Retirement provisions ensure constant costs
In the case of retirement provisions, you pay an additional amount at a young age that will later be used together with the investment income for your benefit claim.
All types of supplementary health insurance can also be chosen with so-called retirement provisions. The insurer immediately invests the retirement provisions in the financial markets.
"In old age, he uses withdrawals from these saved provisions to ensure that premiums do not increase as much as the actual risk for the aged customer", knows Gerd Güssler from the analyst firm KVpro, "ideally, the insured person pays this way the same contribution his whole life long."
The insurances are likely to be of the agreed Bonus amount only differ, If permanently change the framework conditions, for example, if the healthcare system costs more or the average life expectancy increases. "In both cases, an independent trustee must agree to the premium", explains Güssler.
Without provisions for old age the only thing that is decisive for the amount of the contribution is how high the risk of the provider is that he has to vouch for the customer. "ThePremiums are very low at a young age and rise sharply during the contract period".
8. In-patient and out-patient supplementary health insurance in the test
A general recommendation for a tariff is not possible, the individual financial situations and the wishes for medical treatments are too different. The last big tests from Finanztest, Eco test and the Handelsblatt nevertheless offer a useful first orientation.
In some cases, the ratings of the testers differ widely, e.g. due to the different selection of test candidates and other categorization of tariffs. Also related Eco test the cost of supplementary insurance is not included in the overall assessment.
We were able to find five insurance companies that always ended up in the better half in all three studies:
8.1. Stiftung Warentest checks the price-performance ratio
Examined at the end of 2015 Finanztest 101 stationary supplementary insurance. Crucial for the ratings of the daughter magazine of Stiftung Warentest were the benefits and the contributions.
To the minimum requirements (90% of the performance evaluation) included that Chief physician be taken over and at least until Maximum rate of GOÄ (3.5 times the rate). In addition, all supplementary hospital insurance policies have one in the test free choice of hospital provided that the hospital is approved for insured patients.
Other services, which accounted for 10% of the total, included:
- Reimbursement of doctor’s fees that exceed the maximum rate of the GOÄ
- Assumption of costs for outpatient operations by the chief doctor
- Daily hospital allowance as a replacement if the chief doctor has not treated
Only the contributions at the time of the test served as the basis for the price evaluation; contribution developments were not taken into account. Out of 101 tariffs, only nine tariffs performed very well in this test of private supplementary insurance.
The comparison winner in supplementary health insurance in the single room category was HUK-Coburg. Your insurance package for the "SZ" tariff is not very comprehensive, but with a premium of 40 euros a month it is a very cheap supplementary health insurance, at least for the 43-year-old model customer.
| Category: not tied to a till | Very good tariffs |
|---|---|
| Single fares |
|
| Twin tariffs |
|
Some offers are only aimed at members of certain health insurance companies with which private insurers work.
For example, Barmenia, which has one of the best supplementary health insurance plans under the cooperation tariffs, only offers its policy to members of certain company health insurance funds. HUK-Coburg cooperates with the national Barmer GEK.
| Category: for certain cash registers | Very good tariffs |
|---|---|
| Single fares |
|
| Twin tariffs |
|
8.2. Comparison of supplementary insurance on behalf of the Handelsblatt
The analysts Franken and Bornberg examined private supplementary health insurance from 40 insurers for the Handelsblatt in 2016.
Both outpatient supplementary insurance they only checked the benefits of supplementary health insurance with a view to Visual aids, naturopathic treatments and preventive care, other areas are more difficult to compare. Other related services were therefore not taken into account.
The overall grade flowed as in Stiftung Warentest the premium amount a, here on Example of a 30 year old.
The best supplementary health insurance for the outpatient area are:
- Axa – MED Comfort-U
- German ring – AmbulantPlus
- Signal – AmbulantPlus
Among the inpatient supplementary health insurance the following comparison winners were chosen:
- DFV – Clinic Protection
- Domcura – pro care stationary
- Barmenia – S+
8.3. Performance evaluation of Eco test
In 2016, Ökotest also examined 69 supplementary hospital insurance policies. Flowed here only the services in the overall grade.
For its comparison, the consumer magazine divided the tariffs into the categories with and without retirement provisions.
In the insurance group without retirement provision convinced the Inter the most and with a big head start. Your QualiMed ZSi tariff also pays above and beyond the maximum fee schedule for doctors. While it is considered to be rather expensive at a starting age of 30, it is one of the cheaper ones for 40-year-olds.
Best supplementary hospital insurance (rank 1) with retirement provision are:
- Hallesche – CSAW. 1
- Allianz – HospitalBest
- Central – PlanS
- R + V – Klinik premium
- Inter – QualiMed Z S1, QualoMed ZS1 B65
The comparison winner, the Hallesche, has a higher price level, but is cheaper than the products in 2nd – 4th place. The Inter is significantly cheaper than the other providers with a rating of 1.
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