Stationary supplementary health insurance
The conclusion of a supplementary health insurance for inpatient care at a private insurance company offers many advantages. Especially if you want to stay in a statutory health insurance fund. Thus, even insured persons can raise their benefit claims to the level of “private patients”. Due to the individual tariff choice, the additional insurance can be optimally adapted to your wishes and needs.
Performance examples from practice
Mr. W. visited his work colleague in the hospital. He suffered a heart attack a few days ago. During the visit to the hospital, the “circumstances” in the hospital are negative. His colleague had to share a room with three other patients. He complained that he hardly sleeps. Mr. W. decided to inform himself about an additional stationary insurance. It is very important to him that when he is ill, he does not have to lie in the shared room and is treated by the chief physician.
Treatment by a specialist
Mrs. S. has been suffering from severe back pain for a long time. She had already visited many different doctors, but no treatment and no therapy helped. Through a friend she learns of a special operation method. However, this is only done by a specialist in Germany who only deals with private patients. Since Ms S. has completed a supplementary health insurance for the inpatient area, she can be treated by him. Free hospital choice is also part of their supplementary insurance.
Your advantages with us
Calculator for Stationary supplementary health insurance
More information about Stationary supplementary health insurance
When does the insurance cover start?
The insurance cover begins after a waiting period of three months. If inpatient treatment becomes necessary as a result of an accident, the insurance cover will be effective even if these three months have not yet passed.
Which additional insurance is recommended?
As one of the most important insurances, the occupational disability insurance protects you from the economic consequences if you can no longer work for health reasons. As a rule, state protection is not enough to secure the standard of living.
In addition, accident insurance is advisable. Only in a few cases does the insurance cover the legal protection. In 70% of all cases there is no entitlement to benefits. This is for example for all accidents that occur during your free time.
Furthermore, the conclusion of a supplementary care insurance is recommended. If you become a caregiver after an accident or serious illness and depend on outside help, this additional insurance provides financial support. The statutory long-term care insurance offers only a minimum coverage. In general, high co-payments are e.g. necessary for accommodation in the nursing home. If your reserves are insufficient, your children must “jump in”.
In addition, a foreign travel health insurance is urgently recommended for anyone who regularly travel abroad for work or leisure. The statutory health insurance only covers a small part of the treatment costs abroad and there is usually no claim to repatriation to Germany.