🏆2025 EXCLUSIVE

Premium
Health Plus

🌟 VIP Supplementary Insurance
Elite Coverage • Premium-Certified • Exclusive Benefits

🦷
100%
Elite Dental Coverage
👓
VIP
Premium Vision Care
🏥
Elite
Private Hospital Rooms
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🏆EXCLUSIVE 2025

Elite Health Plus
Comparison

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🌟 Exclusive access to premium supplementary insurance options

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🏆PREMIUM COVERAGE BREAKDOWN

Elite Health Plus
Coverage Guide

🌟 Premium supplementary insurance • Fill coverage gaps with VIP benefits

🦷 Elite 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

💰 VIP 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

🦷 Elite 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

🏥 VIP 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

🌿 Elite 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

💡 VIP 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

❓ Elite FAQ

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.