Compulsory health insurance (GKV) covers only the most necessary services, but this is often not enough. Additional services have to be paid by yourself. However, there is a private additional health insurance that allows you to use the full range of services of modern medicine, which GKV either does not subsidize at all or subsidizes only partially.
STATIONÄR (additional hospital insurance) gives the status of a private patient as an insured person, which will provide the best care in the hospital, thanks to a wide range of private services. Provides a smoother recovery process, as well as the ability to protect yourself and your loved ones from associated payments.
What does hospital supplementary health insurance include?
Services
Content
✓ Free choice of clinic among those working under the GKV system.
✓ Accommodation in a single or double room (depending on the tariff).
✓ Daily payment in the absence of a ward corresponding to the level of insurance.
✓ Free second medical opinion.
✓ Private treatment, such as a general practitioner or specialized specialist.
✓ Pre- and post-hospital treatment.
✓ Follow-up treatment, daily allowance for rehabilitation.
✓ Complementary treatment in mixed medical institutions.
✓ Assuming additional costs for general hospital services and mandatory
surcharges established by law (10 euros for 28 calendar days).
✓ Provision of transportation of the patient if necessary, as well as payment for transport upon admission to the hospital.
✓ Payment for hospital stay of accompanying persons.
✓ Organization of child care.
✓ Reimbursement for private medical services or outpatient surgeries if they replace inpatient care.
Package comparison: Stationar
All calculations are made for 35 years.
- 1-2 places
- private treatment
- reimbursed
- reimbursed
- up to 250 €
- reimbursed by prior agreement or in acute cases
- 100 € per day - 28 days
- to 16 years
- 25 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- reimbursed
- 1-2 places
- Private treatment: 100% after GKV, 60% without GKV
- no
- To: up to 3 days out of 5. After: up to 7 days out of 14
- 100%* up to 100km
- reimbursed by agreement or in acute cases (one hospital within a radius of 20 km)
- no
- to 10 years
- 25 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- reimbursed
MedKlinik 1-BettS
- 1-2 places
- private treatment
- reimbursed
- reception and after: up to 7 days out of 14
- 1 time up to 50 km per 1 insured event
- reimbursed by prior agreement or in acute cases
- no
- to 12 years
- 50 € refusal in the 1st and 2nd chamber; 50 € - denial of private treatment; up to 20 years - 50%
- reimbursed
ClinicTOP1pur
- 1-2 places
- private treatment
- reimbursed
- To: up to 3 days out of 5. After: up to 7 days out of 14
- up to 250 €
- reimbursed by prior agreement or in acute cases
- no
- to 18 years
- 15 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- reimbursed
KlinikPRIVAT Premium
- 1-2 places
- private treatment
- reimbursed
- To: up to 3 days out of 5. After: up to 7 days out of 14
- up to 250 €
- reimbursed by prior agreement or in acute cases
- 50 euros per day - 28 days
- to 16 years
- 15 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- reimbursed
KHB02+AOPKH02
MedKlinik 1-BettS
ClinicTOP1pur
KlinikPRIVAT Premium
- 1-2 places
- 1-2 places
- 1-2 places
- 1-2 places
- 1-2 places
- private treatment
- Private treatment: 100% after GKV, 60% without GKV
- private treatment
- private treatment
- private treatment
- reimbursed
- no
- reimbursed
- reimbursed
- reimbursed
- reimbursed
- To: up to 3 days out of 5. After: up to 7 days out of 14
- reception and after: up to 7 days out of 14
- To: up to 3 days out of 5. After: up to 7 days out of 14
- To: up to 3 days out of 5. After: up to 7 days out of 14
- up to 250 €
- 100%* up to 100km
- 1 time up to 50 km per 1 insured event
- up to 250 €
- up to 250 €
- reimbursed by prior agreement or in acute cases
- reimbursed by agreement or in acute cases (one hospital within a radius of 20 km)
- reimbursed by prior agreement or in acute cases
- reimbursed by prior agreement or in acute cases
- reimbursed by prior agreement or in acute cases
- 100 € per day - 28 days
- no
- no
- no
- 50 euros per day - 28 days
- to 16 years
- to 10 years
- to 12 years
- to 18 years
- to 16 years
- 25 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- 25 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- 50 € refusal in the 1st and 2nd chamber; 50 € - denial of private treatment; up to 20 years - 50%
- 15 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- 15 € in case of refusal in a 1- and 2-bed room; 25 € for denial of private treatment
- reimbursed
- reimbursed
- reimbursed
- reimbursed
- reimbursed
* after GKV
Improved hospital conditions only for emergency hospitalization - Krankenhaus Unfall
Improved hospital conditions in case of emergency hospitalization – single or double ward, daily allowance for rehabilitation, accompanying children, treatment from the head physician, etc. for a minimum monthly fee 3-5 € (calculation for 35 years).
Complete supplementary health insurance package: Ambulant, Sehen, Stationär
Today there are more than 50 insurance companies on the market. The service packages they offer are very diverse. These packages can be completed and varied both in terms of content and price.
The insurance market leaders in the field of health insurance are Allianz, Barmenia, Signal Iduna and others. For comparison, we have selected several sets of additional health insurance with the best combination of price and service content.
additional outpatient insurance
- 33,00 €
supplementary vision insurance
- 12,90 €
additional hospital insurance
- 23,29 €
- no
- Ambulant, Stationär - every 10 years; Sehhilfe - does not change after the age of 21
Total cost of the kit
additional outpatient insurance
- 19,08 €
supplementary vision insurance
- Included in Ambulant
additional hospital insurance
- 56,42 €
- 3 months (except accident)
- Does not change
Total cost of the kit
additional outpatient insurance
- 54,04 €
supplementary vision insurance
- Included in Ambulant
additional hospital insurance
- 22,61 €
- V100+483 - 3 months (except in an accident) MedKlinik 1-BettS no
- MedKlinik 1-Bett S - grows at 16, 21, 31 years; 483, V100 - no
Total cost of the kit
additional outpatient insurance
- 30,90 €
supplementary vision insurance
- Included in Ambulant
additional hospital insurance
- 22,50 €
- no
- Every 10 years (when choosing a package without price increase with age - the price will be about 76 € per month)
Total cost of the kit
additional outpatient insurance
- 41,55 €
supplementary vision insurance
- Included in Ambulant
additional hospital insurance
- 23,97 €
- no
- Changes after age 20
Total cost of the kit
additional outpatient insurance
- 33,00 €
additional outpatient insurance
- 19,08 €
additional outpatient insurance
- 54,04 €
additional outpatient insurance
- 30,90 €
additional outpatient insurance
- 41,55 €
supplementary vision insurance
- 12,90 €
supplementary vision insurance
- Included in Ambulant
supplementary vision insurance
- Included in Ambulant
supplementary vision insurance
- Included in Ambulant
supplementary vision insurance
- Included in Ambulant
additional hospital insurance
- 23,29 €
additional hospital insurance
- 56,42 €
additional hospital insurance
- 22,61 €
additional hospital insurance
- 22,50 €
additional hospital insurance
- 23,97 €
- no
- 3 months (except accident)
- V100+483 - 3 months (except in an accident) MedKlinik 1-BettS no
- no
- no
- Ambulant, Stationär - every 10 years; Sehhilfe - does not change after the age of 21
- Does not change
- MedKlinik 1-Bett S - grows at 16, 21, 31 years; 483, V100 - no
- Every 10 years (when choosing a package without price increase with age - the price will be about 76 € per month)
- Changes after age 20
Total cost of the kit
Total cost of the kit
Total cost of the kit
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