Zusatzversorgung

Zusatzversorgung, also known as supplementary health insurance or additional health insurance, refers to a type of health insurance plan in Germany that provides coverage for medical services not fully or adequately covered by the statutory health insurance system (Gesetzliche Krankenversicherung). These plans are typically offered by private health insurance companies and are designed to complement the benefits of the statutory system.

Zusatzversorgung plans are often categorized based on the level of coverage they provide. The most common types include:

1. Grundversicherung (Basic Insurance): This is the most basic level of Zusatzversorgung, offering additional coverage for services not fully covered by the statutory system, such as dental care, physiotherapy, and alternative medicine.

2. Zusatzversicherung (Supplementary Insurance): This level provides more comprehensive coverage, including additional benefits for hospital stays, prescription drugs, and specialist visits.

3. Vollversicherung (Full Insurance): This is the highest level of Zusatzversorgung, offering the most extensive coverage, including additional benefits for long-term care, mental health services, and preventive care.

The cost of Zusatzversorgung plans varies depending on the level of coverage and the age and health status of the policyholder. Premiums are typically paid monthly and can range from a few euros to several hundred euros per month. Some plans may also require a one-time enrollment fee or an annual contribution.

Zusatzversorgung is voluntary and can be purchased by individuals who wish to enhance their health insurance coverage. It is important to note that Zusatzversorgung does not replace the statutory health insurance system but rather supplements it. Policyholders must continue to pay their statutory health insurance premiums and can only use Zusatzversorgung benefits after exhausting the coverage provided by their statutory health insurance.