A wide range of supplementary insurance provide legally insured which is way to raise their basic insurance cover it no longer a secret that more and more services were cut by the statutory health insurance. Many people are therefore wondering what private supplementary insurance plans have become really necessary. To answer this question properly, the different types of supplementary insurance will be presented in the following shortly. Overall, there are 3 main types of supplementary health insurance: firstly the dental insurance, second stationary and thirdly the outpatient supplementary insurance. (the last is often as naturopaths sold supplemental insurance) 1 dental insurance: after the public acquires only a fixed subsidy since 2005, many statutory health insurance have added members already privately their insurance coverage. So, the statutory health insurance takes only a precisely stated amount for a clearly defined results. How the patient his problem resolved at the end, plays in the case doesn’t matter anymore. For a bridge the same amount will be paid exactly, like for an expensive implant.
The problem: When an implant can the patient so then ever fast on 2,000 EUR sit. This helps only the timely conclusion of a private complementary insurance. 2. supplementary hospital insurance: fanned through the numerous cuts in the statutory health insurance, increasingly compulsory recourse to such additional insurance. With this complementary insurance you can secure better accommodation (1 bed or 2 bed room rates), as the private doctor chief physician treatment on a voluntary basis. 3. outpatient supplementary insurance: the outpatient supplementary insurance so far always least the legally insured rely on.
This is probably because that this type of insurance as a result of numerous inclusions for many in the collective contribution appears to be overpriced. Not everyone wants a compulsory co-insurance of glasses and contact lenses. Also frequently included insurance cover for E.g. certain medications (which no longer assumes the GKV) makes no sense for many due to high excesses. Who buys such additional insurance would like to assure services mainly only the practitioner and the best 100%. There is currently but only relatively few viable offers. In summary it can be stated thus: who draws a supplementary insurance to consider, should guarantee first and foremost expensive restorations. Here the largest gap in statutory insurance exists currently. But also the closing of a hospital insurance must be no unnecessary luxury. The takeover of private medical treatments can convince a rare specialist (Chief) of not only in case of emergency, prefers to take care of the concerns of the patient. (after all, far more is this for doctors earn) People who place value on alternative healing, consider outpatient supplementary insurance into account. Unnecessary insurance cover can be excluded of course. It is advisable in this case rather a pure healer supplementary insurance.
