{"id":824,"date":"2026-10-04T12:33:21","date_gmt":"2026-10-04T12:33:21","guid":{"rendered":"https:\/\/unconfuse.de\/?page_id=824"},"modified":"2026-10-04T15:35:55","modified_gmt":"2026-10-04T15:35:55","slug":"supplementary-health-insurance-in-germany","status":"publish","type":"page","link":"https:\/\/unconfuse.de\/de\/supplementary-health-insurance-in-germany\/","title":{"rendered":"Supplementary Health Insurance in Germany"},"content":{"rendered":"<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;padding-top:24px;padding-right:3%;padding-bottom:56px;padding-left:3%\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-5f87b923 wp-block-columns-is-layout-flex\" style=\"margin-top:0px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h1 class=\"wp-block-heading\">Supplementary health insurance.<br>Made easy.<\/h1>\n\n\n<p class=\"wp-block-paragraph\">Keep the strength of statutory health insurance and add cover where it matters to you. Dental bills, hospital comfort, selected alternative treatments and healthcare abroad can all leave gaps in your main policy. Unconfuse helps you understand those gaps and connect with a suitable specialist partner, so you can choose the extras that fit your life and budget.<\/p>\n\n<p class=\"has-secondary-color has-text-color wp-block-paragraph\"><a href=\"\/de\/health-insurance-in-germany\/\">\u2190 Back to Health Insurance<\/a><\/p>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6b6be627 wp-block-buttons-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-contrast-background-color has-text-color has-background wp-element-button\" href=\"\/de\/contact\/\" style=\"border-radius:50px\">Find the right extras<\/a><\/div>\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero.png\" alt=\"A couple discusses healthcare choices with a doctor in a bright, welcoming medical practice\" class=\"wp-image-825\" srcset=\"https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero.png 1672w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero-300x169.png 300w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero-1024x576.png 1024w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero-768x432.png 768w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero-1536x864.png 1536w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-hero-18x10.png 18w\" sizes=\"auto, (max-width: 1672px) 100vw, 1672px\" \/><\/figure>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#f5f7fa;padding-top:48px;padding-right:3%;padding-bottom:48px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>THE GAPS<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Why add supplementary cover?<\/h2>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">GKV pays for the care included in its statutory benefit rules. It does not cover every material, practitioner, room choice or treatment abroad. Supplementary insurance can help with a specific gap while you keep your existing health provider. You can choose one area or combine suitable tariffs\u2014there is no need to buy every extra.<\/p>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">More choice<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Choose the dental materials, hospital comfort or specified additional services you value. The policy defines which choices it pays for.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">A clearer budget<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Compare a regular premium with the costs you would otherwise pay yourself. Deductibles, benefit limits and future premium changes still matter.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Cover that fits<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Start with what your main policy already includes. Add benefits around your priorities, health needs and travel plans, with advice when you need it.<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#eef5f4;padding-top:48px;padding-right:3%;padding-bottom:48px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>FOUR AREAS TO EXPLORE<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Choose the extras that matter to you<\/h2>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Explore the gap, the benefits and the budget in each area. These are starting points for a comparison; the right tariff depends on your circumstances.<\/p>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column has-background is-vertical is-content-justification-space-between is-layout-flex wp-container-core-column-is-layout-3e3f1871 wp-block-column-is-layout-flex\" style=\"background-color:#ffffff;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Dental cover<\/h3>\n\n\n<p class=\"wp-block-paragraph\">GKV helps with standard dental care, but implants, premium crowns and some fillings can leave a sizeable share for you to pay. A dental tariff can give you more room to choose the treatment and materials you want.<\/p>\n\n\n<ul class=\"wp-block-list\"><li>Help with crowns, bridges and implants, within the tariff\u2019s reimbursement limits.<\/li>\n<li>Contributions towards professional cleaning and selected dental treatments.<\/li>\n<li>Options for higher reimbursement; GKV payments usually count within the advertised percentage.<\/li><\/ul>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Around \u20ac13\u2013\u20ac60 a month<br>Depending on age and level of cover<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">Check existing or planned treatment, missing teeth and the reimbursement scale in the first years. Age and the level of cover affect the price.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6b6be627 wp-block-buttons-is-layout-flex\" style=\"margin-top:32px;margin-right:auto;margin-left:auto\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-contrast-background-color has-text-color has-background wp-element-button\" href=\"\/de\/contact\/\" style=\"border-radius:50px\">Learn more about dental<\/a><\/div>\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column has-background is-vertical is-content-justification-space-between is-layout-flex wp-container-core-column-is-layout-3e3f1871 wp-block-column-is-layout-flex\" style=\"background-color:#ffffff;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Hospital cover<\/h3>\n\n\n<p class=\"wp-block-paragraph\">GKV covers medically necessary hospital treatment. A hospital tariff adds agreed choices around your stay, such as a quieter room or private doctor treatment, so you can choose the comfort and service that matter to you.<\/p>\n\n\n<ul class=\"wp-block-list\"><li>Single or twin room, depending on the tariff and hospital availability.<\/li>\n<li>Private doctor treatment and agreed specialist fees within policy limits.<\/li>\n<li>Broader clinic choices where covered; check private clinics and fees above standard rates.<\/li><\/ul>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Around \u20ac30\u2013\u20ac40 a month<br>Selected tariffs at entry age 30<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">This published range is for selected tariffs with age-related reserves at entry age 30. Other ages and benefits can cost more. Check health questions and waiting periods.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6b6be627 wp-block-buttons-is-layout-flex\" style=\"margin-top:32px;margin-right:auto;margin-left:auto\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-contrast-background-color has-text-color has-background wp-element-button\" href=\"\/de\/contact\/\" style=\"border-radius:50px\">Learn more about hospital<\/a><\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column has-background is-vertical is-content-justification-space-between is-layout-flex wp-container-core-column-is-layout-3e3f1871 wp-block-column-is-layout-flex\" style=\"background-color:#ffffff;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Outpatient supplementary cover<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Some treatments by Heilpraktiker practitioners and some complementary therapies sit outside standard GKV cover. An outpatient supplementary tariff may help with the cost of the specific services you choose to use.<\/p>\n\n\n<ul class=\"wp-block-list\"><li>Selected Heilpraktiker services within the accepted fee schedule.<\/li>\n<li>Osteopathy, acupuncture or other named therapies where the policy includes them.<\/li>\n<li>Some packages also include glasses or additional check-ups; compare the complete benefit list.<\/li><\/ul>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Around \u20ac10\u2013\u20ac50 a month<br>Depending on age and level of cover<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">Check annual limits, reimbursement percentages and eligible practitioners. Cover is not a guarantee that a treatment is effective or suitable; discuss that with a qualified clinician.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6b6be627 wp-block-buttons-is-layout-flex\" style=\"margin-top:32px;margin-right:auto;margin-left:auto\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-contrast-background-color has-text-color has-background wp-element-button\" href=\"\/de\/contact\/\" style=\"border-radius:50px\">Learn more about outpatient cover<\/a><\/div>\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column has-background is-vertical is-content-justification-space-between is-layout-flex wp-container-core-column-is-layout-3e3f1871 wp-block-column-is-layout-flex\" style=\"background-color:#ffffff;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Travel health cover<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Travelling out of Germany or welcoming visitors here calls for the right travel policy. Outgoing cover fills healthcare gaps abroad; incoming visitor cover can provide the insurance evidence needed for a qualifying short-stay visa.<\/p>\n\n\n<ul class=\"wp-block-list\"><li>Outgoing: eligible treatment abroad and medical return transport under the policy rules.<\/li>\n<li>Incoming: visitor cover for the agreed dates and countries, with the required visa certificate.<\/li>\n<li>Check Schengen requirements, trip length, exclusions and existing medical conditions.<\/li><\/ul>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Incoming: around \u20ac1.20\u2013\u20ac2.50 a day<br>Outgoing: \u20ac10 single-trip example \/ \u20ac25 annual example<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">These are selected provider examples with different terms, not equivalent packages. Schengen cover is generally not enough for a national visa or ongoing residence.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6b6be627 wp-block-buttons-is-layout-flex\" style=\"margin-top:32px;margin-right:auto;margin-left:auto\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-contrast-background-color has-text-color has-background wp-element-button\" href=\"\/de\/contact\/\" style=\"border-radius:50px\">Learn more about travel<\/a><\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;padding-top:48px;padding-right:3%;padding-bottom:48px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>TRAVELLING IN OR OUT<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Match the policy to the journey<\/h2>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Leaving Germany<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Visiting Germany<\/h3>\n\n\n<p class=\"wp-block-paragraph\">For a short-stay Schengen visa, travel medical insurance generally needs to cover the whole Schengen area and the full stay, with at least \u20ac30,000 of cover and the required emergency-treatment and repatriation benefits. Ask for a certificate that matches your application.<\/p>\n\n\n<p class=\"wp-block-paragraph\">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.<br><a href=\"\/de\/incoming-expat-health-insurance-in-germany\/\">Explore comprehensive incoming cover \u2192<\/a><\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#f5f7fa;padding-top:48px;padding-right:3%;padding-bottom:48px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>BEFORE YOU CHOOSE<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Check the small print once. Choose with confidence.<\/h2>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">What is included?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Look at reimbursement percentages, fee schedules, annual caps and the first years\u2019 benefit limits. Check whether GKV\u2019s payment is included in an advertised percentage.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">When does it start?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">What will you pay?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Compare the premium, deductible and any costs above the tariff\u2019s limits. Ask how premiums can change with age and over time, and whether you can keep the cover affordable.<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;padding-top:48px;padding-right:3%;padding-bottom:48px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>COMMON QUESTIONS<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Supplementary health insurance FAQs<\/h2>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Do I have to change my<br>health provider?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Will it pay every<br>new co-payment?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a7975aa5 wp-block-columns-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Can I buy it after<br>treatment is recommended?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Do privately insured people<br>need it too?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;padding-top:32px;padding-right:3%;padding-bottom:32px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>KEEP LEARNING<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Health insurance articles<\/h2>\n\n\n<div class=\"wp-block-columns alignwide are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-eb7382e3 wp-block-columns-is-layout-flex\" style=\"margin-top:16px\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:32%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog.png\" alt=\"A dentist explains a dental crown and treatment options to a patient in a bright consultation room\" class=\"wp-image-827\" srcset=\"https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog.png 1672w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog-300x169.png 300w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog-1024x576.png 1024w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog-768x432.png 768w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog-1536x864.png 1536w, https:\/\/unconfuse.de\/wp-content\/uploads\/2026\/10\/unconfuse-supplementary-dental-blog-18x10.png 18w\" sizes=\"auto, (max-width: 1672px) 100vw, 1672px\" \/><\/figure>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:68%\">\n<h3 class=\"wp-block-heading\" style=\"font-size:clamp(16.834px, 1.052rem + ((1vw - 3.2px) * 0.955), 26px);\"><a href=\"\/de\/?p=826\">Why Germany\u2019s health reform makes supplementary insurance worth a closer look<\/a><\/h3>\n\n\n<p class=\"wp-block-paragraph\">Dental subsidies, out-of-pocket costs and the choices GKV does not fully cover: understand why reviewing your extras matters\u2014and what a supplementary policy can actually do.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/de\/?p=826\"><strong>Read the article \u2192<\/strong><\/a><\/p>\n\n<\/div>\n\n<\/div>\n<p class=\"has-text-align-center has-secondary-color has-text-color wp-block-paragraph\" style=\"margin-top:24px;margin-bottom:24px\"><strong><a href=\"\/de\/articles-and-guides\/\" style=\"color:inherit;text-decoration:none\">Browse all articles &amp; guides \u2192<\/a><\/strong><\/p>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#eef5f4;padding-top:40px;padding-right:3%;padding-bottom:48px;padding-left:3%\">\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#17645e;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.417), 18px);\"><strong>FIND YOUR NEXT STEP<\/strong><\/p>\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Fill the gaps that matter to you<\/h2>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tell us what you would like to improve: dental protection, hospital comfort, selected alternative treatments or cover for a journey. Unconfuse will connect you with a suitable specialist partner to compare the benefits and explain the costs.<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6b6be627 wp-block-buttons-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-contrast-background-color has-text-color has-background wp-element-button\" href=\"\/de\/contact\/\" style=\"border-radius:50px\">Explore your supplementary options<\/a><\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><small>General information, reviewed 3 October 2026. Prices are indicative, not guaranteed quotes. Age, health, tariff, eligibility and travel details affect the actual cost. Benefits, exclusions and waiting periods depend on binding policy terms. Price sources: <a href=\"https:\/\/www.allianz.de\/gesundheit\/zahnzusatzversicherung\/guenstig\/\">Allianz dental examples (\u20ac12.94 at age 30; broader range around \u20ac13\u2013\u20ac60)<\/a>, <a href=\"https:\/\/www.bundderversicherten.de\/downloads\/infoblaetter\/kranken-und-pflege\/51_PKV_Zusatz_MG.pdf\">BdV hospital range at age 30 (research December 2025)<\/a>, <a href=\"https:\/\/www.allianz.de\/gesundheit\/krankenzusatzversicherung\/sinnvoll\/\">Allianz outpatient benefits and entry-price example<\/a>, <a href=\"https:\/\/www.hansemerkur.de\/versicherungen-fuer-auslaendische-gaeste\/visum-plus-versicherung\">HanseMerkur visa cover<\/a>, <a href=\"https:\/\/www.hansemerkur.de\/versicherungen-fuer-auslaendische-gaeste\/reiseversicherung-bis-5-jahre\">visitor examples<\/a> and <a href=\"https:\/\/www.hansemerkur.de\/auslandskrankenversicherung\">outgoing examples (single trip: four days; annual: trips up to 56 days, before age 65)<\/a>. Further guidance: <a href=\"https:\/\/www.auswaertiges-amt.de\/de\/service\/visa-und-aufenthalt\/2230536-2230536\">Schengen visas<\/a>, <a href=\"https:\/\/www.auswaertiges-amt.de\/de\/2799078-2799078\">national visas<\/a> and <a href=\"https:\/\/www.allianz.de\/gesundheit\/krankenzusatzversicherung\/\">supplementary benefits<\/a>.<\/small><\/p>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Supplementary health insurance.Made easy. Keep the strength of statutory health insurance and add cover where it matters to you. Dental bills, hospital comfort, selected alternative treatments and healthcare abroad can all leave gaps in your main policy. Unconfuse helps you understand those gaps and connect with a suitable specialist partner, so you can choose the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"no-title","meta":{"footnotes":""},"class_list":["post-824","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages\/824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/comments?post=824"}],"version-history":[{"count":15,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages\/824\/revisions"}],"predecessor-version":[{"id":1103,"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/pages\/824\/revisions\/1103"}],"wp:attachment":[{"href":"https:\/\/unconfuse.de\/de\/wp-json\/wp\/v2\/media?parent=824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}