What is Private Health Insurance?

Private health insurance is a policy that covers your health expenses and protects you against potential health problems. Apart from the health services provided by the state, it provides an important assurance for individuals who want to receive faster and higher quality services in private hospitals. This type of insurance covers the treatment and health services that the policyholder needs.

Types of Private Health Insurance

Private health insurance is usually offered in the form of various packages that offer different coverages and benefits. There are basically three main types:

1. Standard Private Health Insurance: This type of insurance covers basic health services such as emergency response, hospitalization, and medical examination in case of illness and accidents. This package is a suitable option for basic health needs.
2. Extended Private Health Insurance: Offering more comprehensive coverage, this package also includes services such as specialized laboratory tests, advanced treatment services and physiotherapy. Some policies may also offer the opportunity to be treated abroad.
3. Extra Health Insurance: This is a type of insurance that offers extra benefits for conditions that require comprehensive and advanced treatment. This type of insurance is ideal for those who want to receive comfortable and fast service in private hospitals.

Advantages of Private Health Insurance

• Faster Service: Public hospitals can have long waiting times. Private health insurance provides faster and better quality treatment in private hospitals.
• More Comprehensive Treatment Options: Private health insurance usually offers a wider range of treatments and specialized physicians.
• Worldwide Treatment: Some policies provide the opportunity to be treated abroad, which is a great advantage for those who need treatment abroad.
• Less Waiting Time: There is usually less waiting time in emergency services, outpatient clinics and hospitalizations.

How to Buy Private Health Insurance?

Getting private health insurance is quite simple. You can review the plans offered by your insurance company and choose the one that suits your needs. The scope of your policy varies according to your age, health status and type of insurance. Some insurance companies also offer additional coverage for general health screenings or specific diseases.

Differences between Private Health Insurance and General Health Insurance

The state's general health insurance (SGK) covers basic health services. However, some treatment and hospital services are limited. Private health insurance, on the other hand, offers comprehensive services and provides access to treatment options outside the state health system.

As a result, private health insurance protects your health and guarantees you access to faster and better quality healthcare services. This insurance is an important investment for anyone who wants to cover your health expenses and take precautions against possible health problems.