Supplementary Health Insurance

Supplementary health insurance complements the benefits of statutory health insurance and covers costs that are not or only partially reimbursed by the statutory health insurance. This includes dental replacement, chief physician treatment or alternative healing methods.

The most important types are: Dental supplementary insurance (dental replacement, prophylaxis), hospital supplementary insurance (chief physician, single room), alternative medicine insurance, travel health insurance and hospital daily allowance.

As early as possible, as premiums are age-dependent and health checks are required. Many insurers grant better conditions to younger, healthy insured persons. Waiting periods of 3-8 months are common.

Costs vary depending on the scope of benefits, age and state of health. Dental supplementary insurance starts from around £8-15 per month, while comprehensive hospital supplementary insurance can cost £20-50. A comparison is always worthwhile.

Important criteria are: scope of benefits, reimbursement amount, waiting periods, health check, age provisions and notice periods. Pay special attention to hidden costs and check the contract conditions carefully.

Yes, you can combine different supplementary insurances with each other. Many insurers also offer package solutions that cover several areas and are often cheaper than individual contracts. A consultation helps with the optimal compilation.