Statutory health insurance (gesetzliche Krankenversicherung, GKV) provides solid basic care, but there are noticeable gaps in many areas. Co-payments, personal contributions and services that are not reimbursed quickly add up over the year. Supplementary health insurance closes these gaps and extends your GKV cover in a targeted way to the benefits that matter to you personally.
Supplementary health insurance exists for different areas: dental treatment and dentures, hospital stays, vision aids, alternative practitioner and natural remedy treatments, international health insurance and more. Instead of taking out expensive full private insurance, people with GKV can upgrade individual areas and shape their cover to suit them.
Supplementary insurance for dentures is especially popular: the GKV pays only the so-called fixed subsidy (Festzuschuss), which for high-quality work such as implants or veneered crowns often covers only a fraction of the actual costs. Supplementary dental insurance can reduce your own share considerably.
Hospital insurance is also an important building block for many people: treatment by the chief physician and a two-bed room are not paid for by the GKV. With a matching supplementary policy, both are possible at no extra cost.
We analyse which areas are most relevant for you and put together with you a supplementary insurance package that covers your individual needs without unnecessary overlaps.
Supplementary health insurance benefits
Outpatient supplementary insurance: preventive check-ups, alternative medicine (alternative practitioner, naturopathy), osteopathy, vision aids (glasses, contact lenses).
Hospital supplementary insurance: single/two-bed room, chief physician treatment, private patient status, free choice of hospital and doctor.
Supplementary dental insurance: prevention up to 100%, dental treatment, dentures, anxiety/pain control, whitening. No waiting periods with MeinZahnschutz tariffs.
Supplementary long-term care insurance: protection from care level (Pflegegrad) 1, protection against high personal contributions.
Daily sickness benefit (Krankentagegeld): up to 100% of net income. For self-employed people, freelancers and employees.
Daily hospital benefit (Krankenhaustagegeld): daily pocket money, tax-free, unlimited in time, no proof of costs required.
Waiting periods: generally 3 months, 8 months for childbirth/psychotherapy. Exceptions: MeinZahnschutz, hospital stays after an accident, PflegetagegeldBest have no waiting period.
Tax deductible: employees max. €1,900 a year, self-employed people max. €2,800 a year as provision expenses.
