Many therapies are covered by statutory health insurance, but by no means all.
Supplementary health insurance is worthwhile in some cases.
Treatment by the head physician, a double room in the hospital, a session with a non-medical practitioner: all services that are not covered by most statutory health insurances.
The insured usually has to pay it out of his own pocket.
Unless he has taken out an appropriate supplementary health insurance.
The costs that are covered depend on the completed model.
Private supplementary insurances from different providers often differ greatly in terms of their services and tariffs
, as informed by the consumer advice center.
Therefore, interested parties should not only get an offer from the cooperation partner of their health insurance company, but also obtain several offers from different private insurers for comparison, according to the advice of the consumer association.
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An overview of possible private supplementary insurance:
Supplementary hospital
insurance: If you take out this, you can obtain the status of private patient with regard to hospitalization.
This includes, for example, the choice of the clinic, treatment by the chief physician or a single or double room.
Hospital
daily allowance insurance: This is paid out for the days that the insured person is treated as an inpatient in a clinic and can be used, for example, to use the telephone or TV.
Daily sickness
allowance insurance: In the event of illness, the employer will continue to pay the wages or salaries for up to six weeks, after which the statutory health insurance will pay 70 percent of the gross income.
By taking out daily sickness benefit insurance, the difference between this sickness benefit and the net salary can be offset.
Supplementary outpatient insurance
: This policy covers costs if patients with
statutory health insurance
want to be treated as private outpatients, informs the consumer advice center.
Supplementary and supplementary
insurance: This includes, for example, supplementary dental insurance.
Eyeglass lenses and contact lenses can also be financed in the form of an additional payment.
International travel health insurance
Supplementary health insurance: Compare offers and take out a policy as early as possible
Which additional insurance makes sense depends on individual needs.
Careful examination of the offers is worthwhile, according to Stiftung Warentest.
Because the tariffs would often do much less than they promise.
Insurers often advertise high reimbursement in percent.
Especially in the case of dentures or alternative practitioner services, this often only relates to a small part of the bill, according to Stiftung Warentest.
In addition, additional insurance should always be taken out as early as possible
- when you are still very healthy and do not have any chronic illnesses.
According to Stiftung Warentest, this applies particularly to supplementary hospital and long-term care insurance, which is very expensive for senior citizens.
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