What supplementary health insurance is — and what it is not
Supplementary health insurance (Krankenzusatzversicherung) is not full private health insurance. It does not replace your GKV or PKV. Instead, it adds targeted protection in areas where statutory coverage leaves significant gaps.
The German statutory system (GKV) provides solid baseline coverage. But in several areas — dental care, hospital comfort, preventive medicine, long-term care — the standard benefits fall short of what many people expect or need.
Most people do not need every add-on. They need the right one.
Who this is for
GKV members
You have statutory insurance but want better dental, hospital, or preventive benefits
Families
You want targeted protection for children — orthodontics, preventive check-ups, junior tariffs
Professionals
You value comfort and control in hospital situations — consultant treatment, private rooms
Health-conscious individuals
You invest in prevention — screenings, alternative medicine, specialist access
Supplementary insurance categories
🦷 Dental Supplementary Insurance
The most common and often most impactful add-on. Covers the gap between what GKV pays for crowns, implants, inlays, and professional cleanings — and what you actually owe. Two tariff generations with different premium structures are available — the dental guide explains both.
Full dental guide →🏥 Hospital Supplementary Insurance
Upgrades your hospital experience: consultant treatment, one-bed or two-bed rooms, free hospital choice, and comfort services — without changing your base insurance.
Full hospital guide →🩺 Outpatient & Prevention
Extended cancer screening, alternative medicine, Heilpraktiker, glasses, co-pay elimination, and cost-reimbursement options. Multiple tiers from basic prevention to full private-patient outpatient status.
Full outpatient & prevention guide →👶 Children & Junior
Child-specific protection: orthodontics, preventive checks, Rooming-in, glasses, sick-day allowance. The Junior tariff covers all children in one household with a single flat premium.
Full children & junior guide →🛡️ Long-Term Care
Public care insurance covers only a fraction of real costs. Four approaches are available — from state-subsidized FörderPflege to individually designed care budgets — to protect financial stability.
Full long-term care guide →How to choose
Supplementary insurance is not about buying everything. It's about identifying your actual exposure:
- Do you have dental work coming up? → Dental is the priority
- Do you value privacy and control in hospital? → Hospital add-on
- Do you have children who may need orthodontics? → Children / dental
- Do you invest in prevention beyond GKV basics? → Prevention / outpatient
- Are you planning for long-term care? → Nursing care supplement
A consultation helps you identify the right combination — without overselling or unnecessary complexity.
Not sure which add-on fits?
We help you identify your actual protection gaps — in English, without sales pressure.
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