It is mandatory to take out health insurance in Germany. For more information, please refer to our article: Understanding Health Insurance in Germany: GKV, PKV, and Supplementary Insurance for Expatriates.
Although optional, supplementary health insurance is highly recommended to enhance basic coverage. In this article, we will delve deeper into its importance.
This insurance is crucial for several reasons:
- Limited Coverage of Public Insurance: Public health insurance does not cover all medical expenses. Dental care, such as glasses, specialized treatments, or certain hospital services, may not be reimbursed. Supplementary health insurance helps cover these additional costs.
- Unexpected Medical Expenses: Unexpected medical needs can arise. Having supplementary health insurance helps cover the high costs of treatments and consultations not covered by public health insurance.
- Optimizing Your Health Budget: Subscribing to supplementary insurance allows you to anticipate and control your healthcare expenses.
- Higher Quality Care: With supplementary health insurance, you can access higher quality care, such as benefiting from a private room in the hospital, which public coverage does not offer.
Please note: The waiting period is three months, a period after subscription during which the insured cannot benefit from certain services.
Here is the example of Marc, who made the wise choice to subscribe to supplementary health insurance:
Marc, an expatriate in Heidelberg, needed an implant. The cost amounted to €3,500. Public insurance only covered €486. Fortunately, he had subscribed to supplementary insurance, which covered 80% of the remaining costs. Without this insurance, Marc would have paid much more.
Conclusion
Do not wait for an unforeseen event to subscribe. Follow Marc’s example and subscribe to supplementary health insurance to control your expenses.
If you have any questions regarding insurance, please schedule an appointment with our experts who will advise you on the best insurance policies to subscribe to based on your profile.