Höherversicherung

Höherversicherung, also known as increased coverage or additional insurance, refers to a voluntary expansion of an existing insurance policy to provide a higher level of protection than the standard coverage. This is commonly encountered in various insurance types, such as health insurance, life insurance, or property insurance.

In health insurance, for instance, a basic plan might cover essential medical services, while a "Höherversicherung" could include benefits like private hospital rooms, advanced dental care, or supplementary treatments. For life insurance, it might mean an increased death benefit payout to beneficiaries. In property insurance, it could translate to higher limits for damage compensation, covering more valuable possessions or extended perils.

Individuals opt for Höherversicherung to tailor their insurance to specific needs, mitigate risks more effectively, or gain access to a broader range of services. The decision to purchase higher coverage typically involves evaluating personal circumstances, potential financial exposures, and the additional cost associated with the increased benefits. Insurance providers offer these options to allow policyholders greater flexibility and a more personalized insurance experience. The premium for Höherversicherung is generally higher than for the standard policy, reflecting the increased risk and benefits provided.