Premium
Health Plus
Professional Supplementary Insurance
Quality Coverage • Verified • Comprehensive Benefits
Quality Health Plus
Comparison
Professional comparison in 60 seconds - Verified quality providers
Comprehensive access to premium supplementary insurance options
Comparison tool loading...
Advertisement - This service is funded by our partner companies. We receive a commission when you complete an application, at no additional cost to you.
Quality Health Plus
Coverage Guide
Premium supplementary insurance - Fill coverage gaps with quality benefits
Quality Coverage Types
- Dental insurance: Crowns, bridges, implants up to 100%
- Vision insurance: Glasses, contact lenses, laser surgery
- Hospital insurance: Private rooms, chief physician treatment
- Alternative medicine: Naturopathy, homeopathy, acupuncture
- Outpatient insurance: Better access to specialists
Professional Benefits
- Cost gaps: Statutory insurance covers only basics
- Better treatment: Private patient privileges
- No waiting lists: Faster appointments with specialists
- Modern treatments: Access to latest medical technology
- Comfort upgrade: Private hospital rooms, better service
Quality Dental Coverage
Crown/Bridge
Total cost: €800-1,500
Statutory: 50-65%
With supplement: up to 100%
Dental Implant
Total cost: €1,500-3,500
Statutory: €400-500
With supplement: up to 90%
Professional Cleaning
Total cost: €80-150
Statutory: €0
With supplement: up to 100%
👓 Premium Vision Care
Glasses & Contact Lenses
- • New glasses every 2 years: €100-500
- • Progressive lenses: Additional €200-400
- • Designer frames: Premium coverage options
- • Contact lenses: Annual allowance €50-150
- • Children's glasses: Higher coverage limits
Vision Correction Surgery
- • LASIK surgery: €500-2,000 per eye
- • PRK/LASEK procedures: Partial coverage
- • Implantable lenses: Advanced procedures
- • Post-surgery care: Follow-up treatments
- • Minimum diopter requirements apply
Professional Hospital Coverage
Private Room
Single occupancy room with private bathroom and amenities
Chief Physician
Treatment by the most experienced specialist doctors
Premium Service
Better meals, personal service, and comfort amenities
Quality Alternative Medicine
Covered Treatments
- • Homeopathy: Classical and complex remedies
- • Acupuncture: Pain management and wellness
- • Naturopathy: Plant-based medicine and therapy
- • Osteopathy: Manual therapy and spine treatment
- • Chiropractic: Joint and muscle therapy
- • Traditional Chinese Medicine (TCM)
Coverage Limits
- • Annual allowance: €300-1,500
- • Per session limit: €50-100
- • Qualified practitioners only
- • Some treatments require prior approval
- • Combination with conventional medicine
- • Age restrictions may apply
Professional Selection Guide
Key Considerations
- • Assess your current health needs
- • Consider family medical history
- • Budget for monthly premiums
- • Check waiting periods (0-8 months typical)
- • Review maximum coverage limits
- • Understand exclusions and restrictions
Money-Saving Tips
- • Start young for lower premiums
- • Combine multiple coverage types
- • Choose higher deductibles to reduce costs
- • Look for family discounts
- • Compare annual vs. monthly payment options
- • Review and adjust coverage annually
Frequently Asked Questions
Can I get supplementary insurance if I already have health problems?
Most supplementary insurance requires health questions. Pre-existing conditions may result in exclusions or waiting periods. However, some basic dental insurance is available without health checks.
How long are the waiting periods?
Waiting periods vary by coverage type: dental (6-8 months), hospital (3 months), vision (6 months). Emergency accident treatment is usually covered immediately.
Can I cancel my supplementary insurance anytime?
Yes, most policies can be cancelled with one month notice to the end of the insurance year. However, restarting later means new waiting periods and higher age-based premiums.
Is supplementary insurance tax deductible?
Yes, supplementary health insurance premiums count toward the annual limit for health insurance deductions (Krankenversicherungsbeiträge) in your tax return.