{"id":33553,"date":"2023-10-02T19:40:45","date_gmt":"2023-10-02T18:40:45","guid":{"rendered":"https:\/\/vasistdas.de\/?page_id=33553"},"modified":"2025-11-27T12:03:39","modified_gmt":"2025-11-27T10:03:39","slug":"supplementary-health-insurance-in-germany","status":"publish","type":"page","link":"https:\/\/vasistdas.de\/en\/supplementary-health-insurance-in-germany\/","title":{"rendered":"Supplementary health insurance in Germany"},"content":{"rendered":"\n<p class=\"gb-text\">Supplementary health insurance in Germany (Zusatzkrankenversicherung) allows individuals with statutory health insurance (GKV) to take out additional insurance and, depending on your tariff, receive health care as individuals with private health insurance.<\/p>\n\n\n\n<h2 class=\"gb-text\">Why is supplementary health insurance necessary?<\/h2>\n\n\n\n<p class=\"gb-text\">With supplementary health insurance, it is possible to be treated in a hospital or a private clinic like a patient with private health insurance, depending on your tariff. There are generally 3 types of supplementary health insurance in Germany:<\/p>\n\n\n\n<p class=\"gb-text\"><strong>1) Supplementary dental health insurance<br>2) Supplementary child health insurance<br>3) Supplementary hospital health insurance<\/strong><\/p>\n\n\n\n<p class=\"gb-text\">By taking out <strong>supplementary dental health insurance<\/strong>, you make a significant contribution to dental health and dental protection. For example, you will receive free dental cleanings, as well as cover cost gaps for expensive prostheses such as implants or ceramic crowns.<\/p>\n\n\n\n<p class=\"gb-text\"><strong>Supplementary children health insurance<\/strong> includes the most important insurance benefits for children and adolescents: at the doctor, dentist, alternative practitioner or hospital. Depending on the tariff, even a daily hospital allowance and additional long-term care insurance are included. For example, especially for children, orthodontic treatment is also covered, depending on the tariff.<\/p>\n\n\n\n<p class=\"gb-text\">With <strong>supplementary hospital health insurance<\/strong>, you can choose to be treated by the chief physician instead of a doctor on call. Depending on the tariff, you are entitled to a single or twin room in the hospital and additional optional services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-let-s-get-in-touch\">Let&#8217;s get in touch<\/h2>\n\n\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_27' id='gform_27' class='wpforms-form' action='\/en\/wp-json\/wp\/v2\/pages\/33553#gf_27' data-formid='27' novalidate>\t\t\t\t\t<div style=\"display: none !important;\" class=\"akismet-fields-container gf_invisible\" data-prefix=\"ak_\">\n\t\t\t\t\t\t<label>&#916;<textarea name=\"ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label>\n\t\t\t\t\t\t<input type=\"hidden\" id=\"ak_js_1\" name=\"ak_js\" value=\"158\" \/>\n\t\t\t\t\t\t<script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n\n\t\t\t\t\t<\/div>\n                        <div class='gform-body gform_body'><div id='gform_fields_27' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_27_16\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_16'>LinkedIn<\/label><div class='ginput_container'><input name='input_16' id='input_27_16' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_27_16'>This field is for validation purposes and should be left unchanged.<\/div><\/div><div id=\"field_27_1\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class='ginput_container ginput_container_text'><input name='input_1' id='input_27_1' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_27_14\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-third gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><table align=\"center\" border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"height:100%; width:100%\">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td style=\"text-align:center\"><img decoding=\"async\" alt=\"\" src=\"https:\/\/vasistdas.de\/wp-content\/uploads\/2022\/02\/Allianz_transparent_logo.png\" style=\"max-height:84px; width:auto\" \/><\/td>\n\t\t<\/tr>\n\t<\/tbody>\n<\/table><\/div><div id=\"field_27_15\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-two-thirds gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Fill out the form to get your insurance offer from Allianz Germany. You will be able to <strong>speak in English<\/strong>. Don&#39;t forget to request an <strong>additional insurance discount of up to 10% for Vasistdas<\/strong>.<\/div><div id=\"field_27_12\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_12'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_12' id='input_27_12' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_27_13\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_13'>Surname<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_13' id='input_27_13' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_27_5\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_5'>Mobile number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_5' id='input_27_5' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\" aria-describedby=\"gfield_description_27_5\"  \/><\/div><div class='gfield_description' id='gfield_description_27_5'><p><span style=\"font-size: 13px; margin: 0; padding: 0;\">Enter your mobile phone number, preferably your WhatsApp number, <span style=\"text-decoration: underline;\">including the country code<\/span>. For example, +4915112345678 for Germany or +905351234567 for Turkey.<\/span><\/p><\/div><\/div><div id=\"field_27_4\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_4'>E-mail address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_27_4' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_27_10\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Terms and conditions<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_27_10'><div class='gchoice gchoice_27_10_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_10.1' type='checkbox'  value='For the free insurance offer, I authorize Vasistdas and the insurance company to process and store my data and to contact me regarding the insurance offer.'  id='choice_27_10_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_27_10_1' id='label_27_10_1' class='gform-field-label gform-field-label--type-inline'>For the free insurance offer, I authorize Vasistdas and the insurance company to process and store my data and to contact me regarding the insurance offer.<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_27' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> <input type='hidden' name='gform_ajax' value='form_id=27&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=d64d39ec940c157233ea19ebe25de776' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_27' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_27' id='gform_theme_27' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_27' id='gform_style_settings_27' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_27' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='27' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='EUR' value='ALgfwhTOzlywIAtsO9RZEcP9x1R+2qJsgQcta1CyyxBRzLUYSqQtJQp0VYykpxrP8vqEXe+R6oHwvTy52kJEa8hBMeSvgGfSxNHPd1w6xLjN48c=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_27' value='WyJ7XCIxMC4xXCI6XCIyMmViYTRjNTVjZGYwYjY3Mjk0Y2JiYzYyOTlhODBiYlwifSIsIjdjNjJhN2ZlODZjMzgxMWU5N2RhOWFkMzNjODlmYmJmIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_27' id='gform_target_page_number_27' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_27' id='gform_source_page_number_27' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_27' id='gform_ajax_frame_27' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 27, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_27').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_27');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_27').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_27').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_27').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_27').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_27').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_27').val();gformInitSpinner( 27, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery(document).trigger('gform_page_loaded', [27, current_page]);window['gf_submitting_27'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_27').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_27').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [27]);window['gf_submitting_27'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_27').text());}else{jQuery('#gform_27').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"27\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_27\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_27\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_27\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 27, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"gb-text\">Insurance coverage example<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dental treatment for children:<\/strong> Marc, who is 12 years old, requires extensive dental treatment. Since Marc is covered by statutory health insurance, he has access to only limited dental care. Nevertheless, with the supplementary children&#8217;s health insurance, the extent of coverage varies by tariff, and Marc can benefit from comprehensive protection, including dental cleaning, dental treatment, and pain relief.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dental cleaning in Germany: <\/strong>Amelia visits the dentist for her annual check-up and wishes to undergo dental cleaning and prophylaxis. Unfortunately, her statutory health insurance does not provide coverage for these services. However, depending on the specific tariff she has, Amelia can utilize her supplementary dental health insurance to have her teeth cleaned at no additional cost.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Appointment with the head doctor or senior doctor:<\/strong> Henry is looking to schedule an appointment with an ophthalmologist and prefers to consult with a senior doctor due to the treatment process. His statutory health insurance would assign him the doctor currently available at the hospital. Conversely, by having supplementary hospital insurance, Henry will have the opportunity to consult with a senior ophthalmologist.<\/li>\n<\/ul>\n\n\n\n<p>Sample coverages above represent supplementary health insurance for expats in Germany and varies depending on the insurance company and tariff type. The applicable coverage is specified in your insurance tariff.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Supplementary health insurance in Germany (Zusatzkrankenversicherung) allows individuals with statutory health insurance (GKV) to take out additional insurance and, depending on your tariff, receive health care as individuals with private health insurance. Why is supplementary health insurance necessary? With supplementary health insurance, it is possible to be treated in a hospital or a private clinic &#8230; <a title=\"Supplementary health insurance in Germany\" class=\"read-more\" href=\"https:\/\/vasistdas.de\/en\/supplementary-health-insurance-in-germany\/\" aria-label=\"Read more about Supplementary health insurance in Germany\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-33553","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/pages\/33553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/comments?post=33553"}],"version-history":[{"count":0,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/pages\/33553\/revisions"}],"wp:attachment":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/media?parent=33553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}