Supplementary health insurance.
Made easy.

More choice

Choose the dental materials, hospital comfort or specified additional services you value. The policy defines which choices it pays for.

A clearer budget

Compare a regular premium with the costs you would otherwise pay yourself. Deductibles, benefit limits and future premium changes still matter.

Cover that fits

Start with what your main policy already includes. Add benefits around your priorities, health needs and travel plans, with advice when you need it.

Leaving Germany

Your European Health Insurance Card gives access to necessary state-provided care in participating countries under local rules. It does not cover private care or repatriation. Outside that system, GKV protection can be much more limited. An outgoing travel health policy can help with these gaps, subject to its terms.

Check the maximum length of each trip, worldwide or regional cover, existing conditions and whether return transport is covered when medically sensible as well as medically necessary. Buy before departure and keep the emergency number with you.

Visiting Germany

For a short-stay Schengen visa, travel medical insurance generally needs to cover the whole Schengen area and the full stay, with at least €30,000 of cover and the required emergency-treatment and repatriation benefits. Ask for a certificate that matches your application.

For a national visa or a longer stay, requirements are different. Visitor travel cover may bridge the period until GKV or suitable private cover begins, but it should not be assumed to replace ongoing comprehensive insurance.
Explore comprehensive incoming cover →

What is included?

Look at reimbursement percentages, fee schedules, annual caps and the first years’ benefit limits. Check whether GKV’s payment is included in an advertised percentage.

When does it start?

Health questions, waiting periods and exclusions can apply. Treatment already advised, planned or started is often excluded. Arrange cover before a problem becomes a known bill.

What will you pay?

Compare the premium, deductible and any costs above the tariff’s limits. Ask how premiums can change with age and over time, and whether you can keep the cover affordable.

Do I have to change my
health provider?

Usually not. A private supplementary tariff can sit alongside GKV, subject to its eligibility rules. You keep your statutory membership and use the extra policy for its agreed benefits. Check the membership requirements before applying.

Will it pay every
new co-payment?

No. A reform does not automatically expand a policy. Prescription or hospital co-payments are covered only where the tariff expressly includes them. Check each benefit rather than assuming all new charges are insured.

Can I buy it after
treatment is recommended?

Often that treatment will be excluded, even if the tariff has no general waiting period. Tell the provider about existing advice and cost plans, and ask for written confirmation before relying on cover. Initial benefit limits can still apply.

Do privately insured people
need it too?

First check your PKV benefits: dental, hospital or complementary treatment may already be included. Travel gaps can still arise. Supplementary policies may be restricted to GKV members, so check eligibility and avoid paying twice for the same benefit.