Supplementary health insurance
As a policyholder of statutory health insurance, you may be disadvantaged in many aspects compared to policyholders of private health insurance. For instance, private insurance patients may receive better hospital services, nicer rooms, and access to higher-ranking doctors. To address this disparity in coverage without leaving your statutory health insurance, you can take out supplementary health insurance. This expands the benefits of your statutory insurance by adding the desired options, such as being transferred to a more distant but prestigious hospital or choosing your treating physician. Therefore, supplementary health insurance is often a compromise between cost-effective statutory health insurance with adequate coverage and more expensive plans offered by private health insurers with extended coverage.
If certain benefits from your health insurance don’t meet your expectations, health insurance supplements are available to improve specific inclusions according to your preferences. Even as a policyholder of private insurance, you may find some aspects of your coverage to be insufficient. For instance, your health insurance might not cover specific dental treatments, or your coverage for hospital treatments could be better. There are various reasons to consider expanding your health insurance, with inadequate coverage for inpatient treatment in a hospital being one of the most common reasons to take out health insurance supplements.
