Welcome back to the blog of dein onlinemakler! Today, we’d like to take a closer look at the topic of supplementary insurance in private health insurance (PKV). Supplementary insurance can be a sensible addition to further optimize your insurance coverage. Find out here which supplementary insurance policies are worthwhile and what you should consider when making your selection.
Why Supplementary Insurance?
Supplementary insurance in PKV offers the opportunity to specifically expand your existing insurance coverage. This can be particularly useful when certain benefits are not included in the basic tariff of your PKV or are only covered to a limited extent. Supplementary insurance thus offers you tailored protection that is precisely aligned with your individual needs.
Types of Supplementary Insurance
There are various types of supplementary insurance that cover different areas. Here are some of the most important ones:
- Dental supplementary insurance: Covers additional costs for dental prostheses, prophylaxis, and other dental treatments. A sensible addition if you value high-quality dental care.
- Hospital supplementary insurance: Enables better accommodation in the hospital, such as a single or double room, as well as treatment by the chief physician. Ideal for those who want special comfort in case of illness.
- Outpatient supplementary insurance: Covers additional outpatient services such as alternative healing methods, comprehensive preventive examinations, and special treatments. Useful if you regularly use such services.
- Long-term care supplementary insurance: Complements protection in case of need for care and helps to reduce the financial burden of care costs. Important for comprehensive protection in old age.
Criteria for Evaluating Supplementary Insurance
When selecting the appropriate supplementary insurance, you should consider some important criteria:
- Scope of benefits: Check carefully which benefits the supplementary insurance covers and whether these meet your needs. Make sure that important benefits are included that are missing in your basic tariff.
- Cost and benefit: Compare the cost of the supplementary insurance with the expected benefits. Supplementary insurance should offer a good price-performance ratio and provide you with real added value.
- Flexibility: Choose supplementary insurance that is flexible enough to adapt to changing life situations. Good supplementary insurance should be adjustable and offer you the possibility to expand or reduce coverage as needed.
Recommendations and Tips
Supplementary insurance can be a sensible addition to your insurance coverage. Here are some recommendations and tips for selection:
- Consider individual needs: Think about which benefits are particularly important to you and which risks you want to additionally insure against. Choose supplementary insurance that is tailored exactly to your needs.
- Seek advice: Professional advice can help you find the right supplementary insurance. At dein onlinemakler, we are at your side with our expertise and support you in selecting and comparing the various offers.
- Long-term planning: Think long-term and consider how your needs might change in the future. Good supplementary insurance should cover not only current but also future risks.
Conclusion
Supplementary insurance in private health insurance offers you the opportunity to specifically expand your insurance coverage and optimally protect yourself. With the right selection and planning, you can ensure that you are best protected. Stay tuned for more valuable tips and information about insurance here on our blog!
