How useful is supplementary hospital insurance?

Nobody likes being in the hospital. If it does come to that, patients stay an average of seven days. It depends on the chances of recovery.

In addition to optimal treatment, these also depend on an environment in which the patient can feel comfortable.

Statutory health insurance companies pay for services that are “sufficient, appropriate and economical”.

This does not include being treated by the chief physician or specialists in the best hospital. Not that you want to be accommodated in a room with as few bed neighbors as possible.

The supplementary hospital insurance ensures that you are in the best hands and that you will get well.

Does supplementary hospital insurance make sense for children?

Hospitalization can be an uncomfortable experience for children simply because of the unfamiliar surroundings. This is reinforced when the offspring are separated from their parents. It has been proven that the healing process is promoted by a pleasant environment.

In addition, these tariffs are very cheap for children!

I'm already in the hospital, can I still take out insurance?

Unfortunately not, since the benefit case has already occurred.

Are there waiting times for the insurance company to pay?

The waiting period is three months before you can use the insurance.

Important special regulation:

1. In the event of an accident, the waiting time does not apply.

2. Extended waiting times of 8 months apply to special services such as dental treatment, dentures, orthodontics, psychotherapy or childbirth.

Do I get an insurance card?

Yes, you will receive an insurance card that you can present at the hospital so that they can easily settle with the insurance company.

Do I have to pay the bill in advance?

The insurance company usually bills the hospital directly.

Can I freely choose the hospital?

Yes, you are free to choose the hospital.

As a rule, the emergency services take emergency patients to the nearest suitable hospital as quickly as possible. On the one hand, because the emergency doctor often has to go to the next call. On the other hand, because the statutory health insurance companies only cover this transport. If you prefer to be treated in the hospital of your choice, you usually have to pay for the additional work yourself: Be it additional transport or transfer to another hospital.

The costs for patient transport, rescue operations and emergency medical services vary from place to place, but are in the three-digit range. A transfer from one hospital to another also incurs several hundred euros.

These are also covered by the insurance.

Can I choose the doctor or specialist myself?

Yes, the insurance company covers the additional costs for the specialist.

Note: Even the best sedative will not help if there is no trust in the treating doctor or specialist. The fear of anesthesia and other worries about risks, pain or discomfort quickly become superfluous as soon as you can make decisions yourself. For example, who will perform the operation in the hospital.

Those with statutory health insurance cannot choose who operates on them. However, treatment by selected specialists can be a good decision for your own health. Then the cost of the treatment is billed privately, which quickly costs money.