Stethoskop und Arzt

The private increase of your statutory insuranceSupplemental health insurance

As a result of state reforms, many statutory health insurance benefits have been abolished in recent years. For all persons with statutory health insurance, this means: Either pay more yourself or take out private supplemental health insurance. With this model, you remain a member of your statutory health insurance fund and agree on supplemental benefits. This raises your entitlements to those of a private level.

Like private comprehensive insurance, you can adapt supplemental health insurance to your personal needs by selecting individual rates. For example, deductibles for medication and treatment costs can be fully insured.

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Close important gaps

There have always been widely-known differences between statutory health insurance patients and private patients. With the current cuts in statutory health insurance, this distance will be will continue to increase. Not everyone can now take out private insurance. However, you can close important gaps – with private supplemental cover in addition to your statutory health insurance.

Private supplemental health insurance covers costs that are not covered, or are not completely met by the statutory health insurance funds. These include: high-quality dentures, glasses, contact lenses and naturopathic treatments. Preferential treatment in the hospital and medical services abroad can also be covered.

Outpatient, inpatient or dental treatment: You decide what benefits you would like to additionally insure privately. In this regard compare all conditions. Since often the offering from your health insurance fund is more expensive than the corresponding rate offered by a private health insurer.

Scope of benefits

You can choose your benefits individually. Choose from a variety of options: Thus, for example, inpatient rates exist. With this you can ensure head physician treatment in the hospital, accommodation in a single or double room or a deductible for stays in the spa and clinic.

There is also a daily hospital benefit or daily sickness benefit in the event of incapacity for work. Outpatient rates, on the other hand, cover costs for alternative therapies, such as acupuncture or homoeopathy, co-payments for medication or medical aids, such as hearing aids.

In light of the statutory reductions in benefits, it is also advisable to obtain coverage for dentures and visual aids. Supplemental nursing care insurance offers financial security in the event of long-term care.

Private travel health insurance reimburses full treatment costs incurred abroad. In an emergency, expensive homeward transport of the patient is also covered. With the selected rate you can combine all these services to precisely suit your personal needs.

Statutory, private or supplemental?

Alternative insurance options

Are you compulsorily insured in the statutory health insurance? If so you can obtain attractive additional benefits for relatively low monthly premiums. For others, private health insurance can be a cheaper alternative.

Statutory health insurance + supplemental rate or private full insurance?

This page provides an overview of the benefits – of statutory health insurance, private health insurance and supplemental health insurance.

Who should insure themselves?

The benefits spectrum provided by the statutory health insurance funds is becoming more and more incomplete. Nevertheless, every person with statutory health insurance can in principle increase his or her coverage to the private level – through good supplemental cover. This applies to employees, workers, self-employed persons, housewives and voluntary members, as well as compulsory members of a statutory fund.

Do you already have private full health insurance? If so, you will receive extra benefits preferably by switching to a more benefits-intensive rate with your private health insurer. Here, your individual requirements and needs determine the scope of benefits of additional protection.

Private supplemental health insurance is recommended for first-class medical services. It also enables you to reduce your financial burden in the event of illness.

Expenses

Age at entry and health status at the time the contract is entered into determine the premiums for supplemental health insurance. This means: the earlier you take out private supplemental health insurance, the cheaper your premium will be.

Insurers assess the health status

Attention: Before you are accepted for supplemental health insurance, private health insurers inform themselves of your health status. When applying, you will have to answer various questions – concerning illnesses in recent years, accidents, hospital stays or dental treatment. For serious illnesses or illnesses that are not yet completely cured the insurers often demand a premium surcharge. Likewise, they can exclude individual illnesses from the insurance cover. In this regard a comparison is always worthwhile. After all different companies often assess risks differently.

Premiums are tax deductible

In principle, contributions for private supplemental health insurance are tax-deductible: Daily hospital benefit and the daily sickness benefit are expenses of a provident nature. Within limits, they reduce taxes as special expenses – and so do the premiums for supplemental long-term care insurance.

Better dental care

Every healthcare reform to date has brought one thing with it: The deductible for dental treatment and dentures that must be paid by patients with statutory health insurance dentures has increased unfailingly. In the meantime, the statutory health insurance funds only pay a fixed allowance based on findings. Regardless of whether you choose minimum restoration or desire an aesthetically superior set of dentures.

You can close the benefits gap between health insurance reimbursement and the actual cost of your dentures: With co-pay or full private supplemental dental insurance. Depending on the tariff, implants, ceramic inlays and veneers are reimbursed. Likewise you can also fully cover the costs for orthodontic treatment (braces). However, for some providers, supplemental dental rates cannot be insured alone, but only in conjunction with basic inpatient or outpatient rates.

Ongoing treatments are not reimbursed

Before a supplemental dental plan is taken out, the insurer usually requires an examination by the treating dentist. A premium surcharge is usually required for missing teeth. Tooth replacement measures that have already been initiated are excluded from reimbursement by all providers. In addition, many insurers only pay after a waiting period of 8 months.

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