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Outpatient supplementary insurance
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What is outpatient supplementary insurance?
Outpatient supplemental insurance is a form of private supplemental health insurance designed to close the coverage gaps of statutory health insurance (GKV). It is aimed at those insured under the GKV and offers additional protection for outpatient medical services that are either not covered at all or only partially covered by the GKV. Outpatient services include medical care and treatments that take place outside of a hospital stay, such as doctor's visits, medications, preventative check-ups, physiotherapy, and other outpatient medical services.
Frequently covered services of outpatient supplementary insurance
- Doctors' fees: The costs for doctor consultations and specialist visits are often reimbursed.
- Medications: Some or all of the costs for prescribed medications may be covered.
- Medical aids and assistive devices: Examples include bandages, walking aids, or orthopedic shoes.
- Preventive medical check-ups: Costs for health check-ups and preventive examinations such as mammograms, skin cancer screenings or colon cancer screenings can be reimbursed.
- Alternative medicine: Some tariffs also cover alternative therapies such as homeopathy, acupuncture, or osteopathy.
- Dental services: Some outpatient supplementary insurance policies also offer coverage for dental preventive and treatment services.
- Visual aids: Costs for glasses or contact lenses may be reimbursed in certain plans.
- Travel vaccinations: Some providers include travel vaccinations in their packages.
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Would you like to learn more about outpatient supplemental insurance? Don't hesitate to contact us. Our team is ready to provide you with expert advice and support. We are happy to answer your questions and help you choose the best insurance solution.
Outpatient supplemental insurance is a private supplemental health insurance policy that extends the benefits of statutory health insurance. It covers outpatient medical treatments and costs that are not covered, or only partially covered, by statutory health insurance.
Typical benefits include doctors' fees, medications, preventative checkups, medical aids and appliances, alternative medicine, dental services, and more. The exact benefits depend on the chosen plan.
Yes, outpatient supplementary insurance is specifically designed for people who are insured under the statutory health insurance (GKV). It offers additional protection and improved benefits.
Outpatient supplemental insurance offers financial security and reimburses costs for outpatient treatments that are not fully covered by statutory health insurance. It enables better medical care and access to additional services.
Yes, most outpatient supplemental insurance plans have waiting periods before benefits can be claimed. The length of the waiting period varies depending on the insurance provider and the specific plan.
Yes, as a rule, insured persons with outpatient supplementary insurance have the freedom to choose their doctor, as the insurance reimburses the costs regardless of the choice of doctor.
It's important to consider your individual needs and priorities. An insurance advisor or broker can help you find the right policy that meets your requirements.
There are usually no age limits for taking out outpatient supplementary insurance, but premiums can vary depending on age.
Yes, you can usually cancel your outpatient supplementary insurance annually or adjust the tariff to better meet your changing needs.
Compare offers from different insurance companies, paying attention to the services, prices, and customer reviews. Consulting an insurance broker can also help you choose the best provider.