You may find that your health insurance doesn’t cover certain services you need. This is where Zusatzversicherungen, or supplemental insurance policies, come in handy.
These policies are building blocks of sorts—for an extra fee, you can add them on to your standard public or private care packages. They may be directly connected to your public Krankenkasse, or you may shop around and buy an additional policy through a private provider. There are a number of cases in which a supplemental policy can be helpful.
The Krankenkassen cover a significant portion of the costs for “medically necessary” dental care (e.g. root canals or wisdom tooth extractions). But you may want extra preventive care or full coverage for more advanced treatments (e.g. laser therapy for periodontitis). In this case, we would recommend looking into a dental care supplement. Many of the public providers have their own dental add-ons.
For travel within the EU, your German insurance will keep you covered. But if you go further afield, then you’ll need to get supplemental insurance to cover care costs. Most public providers have travel add-ons for short- and long-term travel. Private insurers may already have more comprehensive travel care, but you should check to be sure.
The Krankenkassen don’t cover the costs for care by Heilpraktiker, or alternative medicine practitioners. These generally include acupuncturists, chiropractors, herbalists, and osteopaths, among others. If alternative therapies are an important part of your treatment and you don’t want to pay out-of-pocket for them therapies, there are some supplemental insurance plans you can use. Feather does not offer alternative medicine policies, but we recommend searching for “Heilpraktikerversicherung” to learn your options.
There are many supplemental policies that cover vision aids, like glasses and contact lenses. If you are publicly insured, vision coverage will be extra, but certain private insurers include vision care as part of their packages. Generally, we do not recommend purchasing an additional vision policy—for most people, out-of-pocket costs for vision aids are cheaper than the cost of a vision policy. But if you’d like to know your options, you can search for “Zusatzversicherung Sehhilfe” or “Brillenzusatzversicherung”.
Premium Hospital Care
Is the idea of sharing a hospital room with multiple other patients massively unappealing to you? With hospital stay insurance, you can guarantee top-quality care, including a stay in a single- or double-bed room, as well as treatment by head doctors. Many of the public Krankenkassen have their own hospital add-ons, or you can search for Krankenhauszusatzversicherung to find other policies.