Additional private health assurance to supplement the national sickness insurance

Germany has a statutory sickness assurance system (GKV). A full private sickness assurance (PKV) is only available for people who are not obliged to be members of the governmental sickness insurance. But everybody has the chance to contract additional private health insurance besides the governmental sickness assurance. On the market there are a lot of insurers providing these supplementary private sickness insurances. Here you can find a cost-free comparison of insurance providers and get your personal supplementary private health assurance offer: preiswerte Krankentagegeldversicherung

A additional private health insurance has numerous benefits:

Every German, who is obliged to join the statutory sickness assurance (GKV), can join the supplementary private medical insurance. This applies especially to workers and employees whose earnings are below the GKV insurance limit. The assurance limit is a earning of 48,150 Euros per year in 2008. Many companies offer the option of making modulation to the tariff of the active agreement. That is very helpful when your personal situation changes over time. One should always look for several quotations before choosing your complementary private health insurance provider. That can be done online: Private Zusatzkrankenversicherung. Persons with a supplementary private medical insurance can be treated like private patients. This means that the insurance suppliers pay items like glasses and contact lenses. In addition, a patient with a additional private health insurance might get a single room in hospital as well as daily compensation payments for the phase of sickness.

The supplementary private sickness insurance gives additional performance to members of the statutory medical assurance in Germany. Private sickness insurance companies pay items, which are not paid by the governmental medical assurance. The details are dependent on your individual agreement. The monthly costs of the private health assurance are only dependent on the personal agreement and are not calculated in accordance to your salary. Everybody, who is unhappy with the inferior performance of the statutory medical assurance, should consider contracting additional private medical insurance. So you can get the comfortable feeling to get better treatment and performance in case of sickness. Private patients see the medical bills and know how much is charged. So you can see how costly the different items are. As a private insured, you can control the medical invoices.

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