Everything You Need to Know About Hospital Supplementary Insurance:
Enhance Your Benefits in the Hospital
A hospital supplementary insurance transforms publicly insured patients into private patients in the hospital by providing additional benefits such as chief physician treatments and single or double rooms. This supplementary insurance is available exclusively to those with public health insurance and certain other groups, and it can make a significant difference in comfort and the quality of medical care.
Who Can Take Out Hospital Supplementary Insurance?
Publicly insured individuals and those eligible for medical assistance can take out hospital supplementary insurance, while privately insured individuals are excluded due to the elective services already included in their plans. Civil servants eligible for aid who are voluntarily publicly insured usually also have the option to choose such supplementary insurance.
Benefits of Hospital Supplementary Insurance
In addition to the medically necessary standard services, hospital supplementary insurance provides access to elective services such as treatment by the chief physician and accommodation in single or double rooms. These benefits offer more comfort and preferential treatment, significantly enhancing the hospital stay.
Benefits for Children and Adults
Taking out hospital supplementary insurance is beneficial for both adults and children. For children, it additionally covers the costs of an accompanying person, which can be a significant relief during longer stays.
Tariffs and Health Checks
There are tariffs with and without health checks, as well as those with and without aging provisions. While tariffs without health checks may have limitations, tariffs with aging provisions offer the advantage of stable premiums over the duration of the policy. The choice should be made based on individual needs and the available insurance options.
Hospital Supplementary Insurance Without Waiting Period
Some tariffs offer immediate coverage without a waiting period, although there are specific waiting periods of 8 months for pregnancy and psychotherapeutic treatments. This option is ideal for quickly benefiting from the services but requires careful planning.
Conclusion
Supplementary hospital insurance is a valuable addition to statutory health insurance, granting policyholders private patient status in the hospital. It not only provides enhanced comfort and access to better medical care but also financial benefits such as covering statutory co-payments and providing a daily hospital allowance. When selecting the appropriate plan, individual needs and health conditions should be taken into account to ensure optimal protection.
Frequently Asked Questions About Hospital Supplementary Insurance
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What is hospital supplementary insurance?
Answer: Hospital supplementary insurance is an additional insurance for publicly insured individuals that offers benefits beyond standard care, such as treatment by the chief physician and accommodation in single or double rooms. It ensures that you receive services in the hospital that are otherwise reserved for private patients.
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Who is hospital supplementary insurance suitable for?
Answer: Hospital supplementary insurance is suitable for anyone with public health insurance who values higher comfort and preferential medical treatment in the event of hospitalization. It is also recommended for children, as many plans cover the costs of an accompanying person in the hospital.
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What does hospital supplementary insurance cover?
Answer: It covers additional services beyond the public health insurance, such as chief physician treatment, accommodation in single or double rooms, free choice of hospital, and sometimes even unlimited coverage of doctor’s fees and reimbursement of the statutory copayment.
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Can I take out hospital supplementary insurance without a health check?
Answer: Yes, there are plans without a health check, but they may have certain limitations, such as coverage only after accidents or only for comfort services like single or double rooms without chief physician treatment.
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Is there a waiting period for hospital supplementary insurance?
Answer: Many plans have a general waiting period of three months, but some offer immediate coverage without a waiting period. Note that specific services such as pregnancy and psychotherapy may have special waiting periods.
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Are premiums for hospital supplementary insurance higher in old age?
Answer: This depends on the chosen plan. Plans with aging provisions have constant premiums over the term, while plans without these provisions may have increasing premiums with age.
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Does hospital supplementary insurance cover the costs for an accompanying person?
Answer: Yes, many plans cover the costs for an accompanying person, especially for children, which can significantly ease the hospital stay for the family.
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What happens if I forgo elective services in the hospital?
Answer: If you forgo elective services like chief physician treatment or single or double rooms, many plans pay a daily hospital allowance as a financial compensation.
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Can I freely choose the hospital with hospital supplementary insurance?
Answer: With hospital supplementary insurance, you generally have free choice of hospital, including private clinics that are usually reserved for private patients. Some plans even allow a one-time hospital change under certain conditions.
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Where can I take out hospital supplementary insurance?
Answer: You can best take out hospital supplementary insurance through a competent insurance advisor who will analyze your individual needs and find the right insurance product for you.
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