Supplementary health insurance for children
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Supplementary health insurance for children
If the little son or daughter is sick, parents benefit from one private supplementary health insurance for children. With it you can take advantage of additional services for your child with regard to medical care – for example at the dentist or hospitalization. After all, the health of your own child is paramount for parents.
The statutory health insurers guarantee basic medical care, but only partially or not at all cover the costs of many treatments. Because of this, completing a Supplementary health insurance for children make sense. The status of a private patient can be achieved through additional outpatient insurance. However, it is advisable to compare the offers of the eligible insurers in advance and to get an overview. Alternatively, private health insurance (PKV) can be taken out for the child directly.
Statutory health insurance: Until when are children insured with their parents??
In general, all children and adolescents up to the age of 18 are covered by the parents in the statutory health insurance (SHI) – of course, the whole thing is free of charge. It means that no prescription fees incurred, which means that the parents do not have to bear any additional costs. However, even under the age of 18, children can still remain free of charge with family insurance under certain conditions. In the event of unemployment, the age limit rises to the age of 23; If the child is completing vocational training or is studying, it is also insured until the child reaches the age of 25. If the child is physically or mentally disabled, it remains no age limit in family insurance.
Supplementary health insurance for children – which areas are covered?
Parents have the option of taking out additional health insurance for their children after they are born. This can make sense especially for small children who are more susceptible to diseases. But complaints often occur even in primary school: visits to the optician or orthodontist are necessary. Supplementary health insurance for children offers additional benefits in four different areas, which parents can adapt to their child’s individual needs.
hospital insurance
a Child’s stay in hospital Nobody wishes, but often happened quickly and can quickly lead to high costs. With supplementary hospital insurance, parents can make the right provisions and secure additional benefits. Depending on the tariff, you can claim a daily hospital allowance. This is particularly recommended when parents stay with their child in hospital and are therefore temporarily unable to work. The daily hospital allowance is subject to free use and can therefore also cover indirect costs, such as travel expenses to the hospital.
Thanks to the additional insurance there is also free choice of hospital. The child can therefore be accommodated in a single or double room in the desired hospital – the treatment is usually carried out by the chief doctor. Some insurance companies also offer so-called “rooming-in”, which allows a parent to stay with the child in or near the twin room and also spend the nights there. In the case of smaller children in particular, this takes away the fear of the forthcoming treatments and promotes relaxation.
dental insurance
Almost every second child suffers from a malalignment of the teeth, which is why treatments for orthodontists are among the most frequently used health services. However, the statutory health insurance companies come only for particularly severe misaligned teeth for the cost.
Supplementary dental insurance for children is a financial relief for many parents, since the policy also covers the treatment of minor malpositions. Most dental insurance also covers the costs of modern treatment methods, braces, dentures and teeth cleaning to a large extent. Here, insured persons should make sure that the orthodontic services in particular are taken over to a large extent.
Naturopaths insurance
Of course, parents want to give their children the best and most importantly the most sustainable treatment. Many naturopaths rely on naturopathy and alternative medicine. Some examples of such procedures are Acupuncture, aromatherapy or dietetics. The SHI does not always cover the cost of these treatments. The exact conditions of the health insurance company should be checked here.
If the desired services are not taken over, parents who appreciate such alternative treatment methods should take out alternative medical insurance for their child. It usually includes a fixed maximum amount that the policy pays for.
glasses insurance
The statutory health insurance companies take over for children under the age of 18 Cost of glasses – but only for first-time glasses or in the event of a change in the ametropia and only within a predetermined amount. On the other hand, parents usually have to pay for glasses frames, special glasses or contact lenses out of their own pockets. Additional glasses insurance reimburses the additional amount up to the previously agreed maximum amount. However, this additional insurance is not always worthwhile. Parents should check here exactly what costs the SHI pays and whether the additional protection is worthwhile.
Compare with Verivox and benefit from the best tariff
The earlier parents one Supplementary health insurance for their children complete, the sooner they enjoy the best protection. In addition, the monthly premiums to be paid for early completion are lower than those for late completion. In addition to the price, the insurance benefits should be decisive when choosing a provider. Incidentally, many insurance companies offer discounts if the parents have also taken out private supplementary health insurance with the same provider.
Insurance protection can be put together individually according to your own wishes. With the Verivox comparison calculator parents can compare the benefits and contributions of different supplementary health insurance plans for children and thus find the right tariff for themselves and their child.
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