SUPPLEMENTARY HEALTH INSURANCE
Optimal supplement for those with statutory insurance
Answer the health questions online and you will usually find out your contribution immediately
No waiting time
Hectic doctors, full rooms: Hospitals are often not very pleasant for patients with statutory health insurance. So make sure you take out private supplementary insurance to cover hospital costs. This package will almost make you a private patient, and at a low premium: with free choice of hospital, single or double room and treatment by specialists. And if you forego services, you will receive a replacement daily hospital allowance.
Supplementary insurance benefits for hospital
Single or double room
You will receive the cost of accommodation in a single room. If you are staying in a double room: an additional €30 daily hospital allowance. In a shared room, an additional €50.
Chief physician treatment
You benefit from optional medical services, such as treatment by the chief physician.
Replacement hospital daily allowance
You can receive up to €100 per day if you forgo free choice of doctor and single or double room.
Free choice of hospital
You have a free choice between public and private hospitals if you require medically necessary inpatient treatment.
Rooming-in
If an insured child under the age of 16 is treated, ERGO will pay for the accommodation and meals of a parent or guardian, provided that statutory health insurance does not cover the costs.
Suitable for your situation
You can choose between two tariffs with the same benefits: with a low entry level and increasing premiums or with a slightly higher but stable premium.
from 19.80 per month
Outpatient supplementary insurance
Increase subsidies – reduce co-payments
Glasses and contact lenses: Get your visual aid subsidized with the KSHR tariff. Every 2 years.
Reduce costs for medicines, glasses, preventive care, medication and naturopathic treatment (KombiMed Balance tariff).
Teeth: Insure dentures and dental treatments.
Private patient status: With the DKV Premium tariff KAMP, you receive services from the doctor like a private patient.
DKV’s supplementary outpatient insurance: your options
Aids and visual aids: More choice of aids
With the KHMR tariff for aids and visual aids, you reduce your co-payments for aids. 90% when purchasing visual aids (up to €300, from the age of 14 – every 2 years or if visual acuity changes by 0.5 diopters or more in one eye). 80% when purchasing a hearing aid (up to €600 per hearing aid). 80% after advance payment by the statutory health insurance for other aids (up to €300 per year).
Naturopathy: Naturopathy and more
Health in balance: more benefits, less co-payment. KombiMed Balance tariff KAB helps you to promote health and reduce co-payments. 80% for alternative medicine treatment from your doctor or alternative practitioner (up to €600 per year). 100% of the costs for preventive examinations and vaccinations (up to €600 per year) plus 2 prevention courses per year.
Medicines: The effective remedy against the co-payment
The KombiMed Arzneimittel KAZM tariff reduces your co-payment for medicines and dressings. 80% of the costs (up to an amount of €1,000 per year). This also applies to prescribed non-prescription medicines and dressings for which you do not receive any benefits from statutory health insurance.
More freedom when it comes to your health
Secure advantageous services for all aspects of your health. The supplementary outpatient insurance offers you valuable subsidies for visual aids and medical devices.
from 13.47 per month
ALL-ROUND ADDITIONAL INSURANCE
This combination of supplementary insurance for teeth, outpatient and inpatient treatments in just one tariff is unique on the market. Treat yourself to the best possible treatment in the event of illness with the all-round package, tariff BestMed BMG.
Outpatient: 100% at the doctor's including advance payment by the statutory health insurance company. For private medical treatment, medicines, vaccinations and preventive examinations.
In hospital: 100% in hospital (including advance payment by statutory health insurance) for treatment by senior physicians, private clinics and accommodation in a double room.
At the dentist: 85% at the dentist (including advance payment by the statutory health insurance company) for inlays, dental crowns and dentures.
The advantages of DKV all-round supplementary insurance
Advantages
Better outpatient care
Decide for yourself which doctor you would like to be treated by. With the all-round package, you receive full reimbursement of costs for private doctors, as well as up to 80% for alternative practitioners (up to €1,000 per year). The reimbursement of costs for medicines saves you additional payments and also includes medicines that do not require a prescription. Whenever available, the services provided by the statutory health insurance must be taken into account when making the reimbursement.
Better inpatient care
Choose the hospital where you want to be treated. The all-inclusive package also gives you access to private clinics. In the hospital, you can be treated by the head doctor and gather strength for a speedy recovery in a quiet double room. The services provided by the statutory health insurance must be taken into account when making the reimbursement.
Better care at the dentist
If you ever need dental prostheses, you will receive up to 85% of the costs reimbursed with the comprehensive supplementary insurance. In order to preserve your teeth as best as possible, you can take advantage of 100% coverage of the costs for dental treatments and professional teeth cleaning. You can choose which dentist treats you, regardless of whether you have statutory health insurance approval. The services provided by statutory health insurance must be taken into account when making the reimbursement.
FULL HEALTH INSURANCE
Full protection, tailored to your needs
With a full health insurance policy from DKV, you are opting for care that benefits your personal health. You can put together the range of services yourself. In some areas, the services provided by DKV far exceed those of statutory health insurance providers. In addition, measures are paid for that are not even provided by statutory health insurance providers. And the best thing is: your services are contractually guaranteed – for life.
Put together the range of services of your private health insurance according to your individual needs.
Exemption from contributions
From the 92nd day of a hospital stay, you no longer pay any contributions for your private health insurance.
Premium refund
DKV also pays out if you are healthy. You can get a premium refund if, for example, you do not use any services.
SICKNESS BENEFITS
Sickness benefit insurance: Don’t go without your income if you’re sick!
Sickness benefit insurance offers you financial protection in the event of a long-term loss of earnings. Whether you are employed or self-employed, it adapts flexibly to your needs. This means you do not have to forego your income even if you fall ill.
