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Complementary private sickness assurance to supplement the statutory sickness insurance

  • Saturday, April 25th, 2009 at 5:40 pm

Germany has a statutory sickness assurance system (GKV). A full private health insurance (PKV) is only available for people who are not obliged to join the governmental sickness assurance. But everybody has the opportunity to contract additional private medical assurance besides the national sickness insurance. On the market there are a lot of assurance offerers providing these complementary private health insurances. Here you can find a gratis comparison of insurance suppliers and get your personal complementary private sickness assurance quote: Private Krankenhauszusatzversicherung

A complementary private sickness assurance has numerous advantages:

Every German, who is obliged to be a member of the national health assurance (GKV), can effect complementary private medical assurance. This applies especially to workers and employees whose incomes are below the GKV insurance limit. The insurance limit is a income of 4,012.50 Euros per month in 2008. Several companies offer the option of making modulation to the tariff of the active agreement. That is quite beneficial when your individual standards change over time. One should always look for different quotations before effecting your additional private sickness insurance supplier. That can be done on websites like this one: billige Krankentagegeldversicherung. People with a supplementary private medical assurance can be treated like private patients. This means that the insurers pay items like glasses and contact lenses. Additionally, a patient with a supplementary private sickness insurance might get a single room in hospital as well as daily compensation payments for the time of illness.

The additional private health assurance provides additional advantages to members of the governmental medical insurance in Germany. Private sickness assurance offerers pay items, which are not paid by the national medical insurance. The details are dependent on your individual agreement. The monthly costs of the private health insurance are only dependent on the personal contract and are not calculated in accordance to your income. Everybody, who is unhappy with the inferior performance of the national sickness insurance, should consider contracting complementary private health insurance. So they can get the comfortable feeling to have better treatment and performance in case of an illness. Private patients see the physicians invoices and know how much is charged. So you can see how much the different items are. As a private insured, you can control the medical checks.

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