Financial security during a hospital stay
Secure financial support for each day of your hospital stay with the daily hospital allowance insurance from nextsure to flexibly cover unforeseen costs.
Exact daily payment
Unbureaucratic assistance
Customised Rates
What exactly is a hospital daily allowance insurance?
Compensate for income loss
Cover additional costs
Independent of statutory health insurance benefits
For Statutory Health Insurance & Private Patients
Why is it sensible to have hospital daily allowance insurance?
A hospital daily allowance insurance can be a sensible addition to statutory or private health insurance for many people. The main reason lies in the financial protection against additional costs and potential loss of income that may arise during a hospital stay. Although statutory health insurance (GKV) covers basic medical care, significant additional costs often remain uncovered. These include statutory co-payments (currently 10 euros per hospital day for a maximum of 28 days per year), costs for optional services such as a single or double room, or treatment by the head physician, if not otherwise covered. For self-employed and freelancers, a prolonged hospital stay can quickly become existentially threatening, as often no or only insufficient sick pay is provided. Employees do receive continued payment of wages for six weeks, after which the GKV steps in with sick pay, which is only about 70% of the gross, a maximum of 90% of the net income. This gap can be filled by hospital daily allowance. Families also benefit, as additional expenses for childcare or household help may arise. Ultimately, it offers financial freedom to cope with unforeseen expenses during a health-challenging period without worry.
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Your advantages with nextsure
Flexible Tariffs
Your per diem: Individually adaptable to your needs.
Fast Payout
Effortless service delivery in case of illness.
No waiting time
Immediate protection in case of accidents, often without waiting time.
Worldwide Protection
Often also valid for hospital stays abroad.
Simple Conclusion
Fully digital process, from application to policy.
Clear Conditions
Clear contract details without hidden clauses.
Excellent advice
Our experts support you with all questions.
Multiple protection
Ideally combinable with other health policies.
Strong Partners
We work with renowned insurers.
Digital, transparent and tailored to you.
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Your Financial Cushion in the Hospital
Who is hospital daily allowance insurance especially suitable for?
Die Krankenhaus-Tagegeldversicherung eignet sich besonders für Personengruppen, die im Falle eines Krankenhausaufenthalts mit finanziellen Einbußen oder erhöhten Kosten rechnen müssen. Dazu gehören an erster Stelle Selbstständige und Freiberufler, da sie oft keinen Anspruch auf gesetzliches Krankengeld haben oder deren privates Krankentagegeld erst nach einer längeren Karenzzeit greift. Für sie kann jeder Ausfalltag erhebliche Einkommensverluste bedeuten. Arbeitnehmer, insbesondere Gutverdiener, sollten ebenfalls überlegen, ob das gesetzliche Krankengeld nach der sechswöchigen Lohnfortzahlung ausreicht, um den gewohnten Lebensstandard zu halten; das Krankenhaus-Tagegeld kann hier die Differenz ausgleichen. Personen ohne Anspruch auf Krankengeld, wie beispielsweise nicht erwerbstätige Ehepartner oder Studenten, können damit unvorhergesehene Kosten decken. Auch für Familien ist diese Versicherung relevant, da bei einem Krankenhausaufenthalt eines Elternteils oft zusätzliche Kosten für Kinderbetreuung oder Haushaltshilfen anfallen. Chronisch Kranke oder Personen mit höherem Risiko für Krankenhausaufenthalte können ebenfalls von einem vorab gesicherten finanziellen Polster profitieren, sofern der Abschluss vor Eintritt akuter Probleme oder mit entsprechenden Konditionen erfolgt. Grundsätzlich ist sie für jeden sinnvoll, der sich vor den finanziellen Unwägbarkeiten eines Klinikaufenthalts schützen möchte.
Performance details: What is paid when and how?
The benefit of a hospital daily allowance insurance consists of the payment of an amount specified in the contract per day of a medically necessary, fully inpatient hospital stay. The payment is generally made **accurately per day**, starting from the admission day to the discharge day, with both days typically counted. Some plans also cover rehabilitation measures, provided they occur immediately after a hospital stay. **A prerequisite for the benefit** is the medical necessity of the stay, which must be proven by a medical certificate and the hospital invoice. The payment usually occurs upon submission of these documents, often as an advance in the case of longer stays. **Waiting periods** are an important aspect: generally, there are standard waiting periods of three months after the start of the contract. For certain events such as childbirth or mental health conditions, longer waiting periods (e.g., eight months) may apply. In the event of accidents, the waiting period is typically waived. It is crucial to carefully check the exact benefit conditions, exclusions (e.g., addiction treatments, cosmetic surgeries without medical indication), and the maximum benefit duration (some plans limit payments per illness or per year) in the chosen plan. You can determine the amount of the daily allowance individually when concluding the contract.
Costs and Factors: How is the contribution composed?
The costs for hospital daily allowance insurance, i.e., the monthly or annual premium, are composed of various factors. One key factor is the **entry age**: the younger you are when the contract is concluded, the cheaper the premiums generally are, as the statistical risk of hospital stays increases with age. Another crucial factor is the **amount of the insured daily allowance**. For example, if you want to receive 100 euros per day, the premium will be higher than for a daily allowance of 50 euros. The **state of health when applying** also plays a role. Pre-existing conditions can lead to risk surcharges, exclusions for certain diagnoses, or, in extreme cases, to the rejection of the application. Insurers ask about these using health questions. Some tariffs offer options with or without **waiting periods**; tariffs without or with shorter waiting periods can be slightly more expensive. Some insurers also differentiate according to occupational groups, although this is less common. It is important to compare different offers and pay attention not only to the price but also to the range of services and the terms and conditions. Honest answers to health questions are essential to avoid jeopardising the insurance cover. At nextsure, you will find transparent tariff designs that allow you to adapt the cover to your individual needs and budget.
Hospital daily allowance vs. sickness benefit: The differences
Although both the hospital daily allowance and statutory sick pay provide financial support during illness, there are fundamental differences. **Sick pay** is a benefit of the statutory health insurance (GKV) for employees. It is paid when an employee is unable to work for more than six weeks (after the employer's continued payment of wages ends). The amount is approximately 70% of the gross income, but not more than 90% of the net income, and it is capped at a statutory maximum amount. Its primary purpose is to compensate for loss of earnings. Self-employed individuals are usually only entitled to sick pay if they have explicitly opted for it with a special tariff in their GKV. **Hospital daily allowance**, on the other hand, is a private supplementary insurance. It is paid per day of a full inpatient hospital stay, independent of loss of earnings and in addition to any sick pay. The amount of the daily allowance is freely agreed upon contractually. It is not designated for any specific purpose and can be used for any costs arising from the hospital stay (e.g., co-payments, elective services, travel expenses). While sick pay is an income replacement benefit, the hospital daily allowance offers flexible financial support specifically for the duration and circumstances of a hospital stay.
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Important Aspects of Choosing a Plan and Signing a Contract
When selecting daily hospital allowance insurance and completing the contract, there are several important aspects you should consider to ensure optimal protection. Firstly, the **amount of daily allowance** is crucial: calculate your actual needs, taking into account possible income losses and additional costs. Pay attention to **waiting periods**: typically, there is a general waiting period of three months, which is often waived in the case of accidents. For specific cases like childbirth, longer periods may apply. The **health questions** must be answered truthfully and completely, as incorrect information can jeopardize the insurance coverage. Check the **coverage area**: does the insurance also provide coverage abroad, and if so, under what conditions? Be informed about **exclusions**: certain treatments (e.g., addiction, cosmetic surgery without medical necessity) are often not covered. The **maximum benefit duration** per illness or insurance year can also vary. Compare the **cancellation periods and conditions** for both yourself and the insurer. Another point is the possibility of **dynamic adjustment**, which is the automatic adjustment of the daily allowance to inflation to maintain the value of the benefit in the long term. At nextsure, we value transparent conditions and support you in finding a plan that perfectly matches your needs.
Tax treatment of hospital daily allowance
The tax treatment of hospital daily allowance is an important aspect for policyholders. The good news is: payouts from a hospital daily allowance insurance are **generally tax-free** in Germany for the recipient according to § 3 Nr. 1a Income Tax Act (EStG). This means that the daily allowance received does not need to be taxed as income and is available to you in full. It's different with the paid contributions. Contributions to hospital daily allowance insurance can be claimed for tax purposes as part of other precautionary expenses. However, the maximum amounts for these expenses are often already exhausted by contributions to basic health and care insurance, particularly for employees (1,900 euros) and self-employed individuals (2,800 euros). Therefore, the contributions to hospital daily allowance insurance often have little to no tax impact. It is advisable to clarify this in individual cases with a tax advisor or to review the individual situation within the context of the tax return. In summary: the benefits are a clear financial advantage without tax deductions, while the deductibility of the contributions is limited.
nextsure: Your Partner for Digital Hospital Daily Allowance Protection
nextsure considers itself your digital and competent partner when it comes to bespoke insurance cover such as hospital daily allowance insurance. Our mission is to offer you comprehensive niche insurance and individual protection solutions as a digital insurance portal. For hospital daily allowance insurance, this means: We provide you with a **fully digitalised completion process**, from tariff information and comparison to contract conclusion – simple, fast, and convenient from the comfort of your home. Our focus on niche products enables us to offer you specialised tariffs tailored precisely to your needs. You benefit from **SEO-optimised content** and clear information that help you fully understand the insurance and its benefits. Our **expert advice** is available to you digitally or by phone to answer all your questions and find the right protection for you. We are committed to transparency in contract terms and a straightforward process in the event of a claim. With nextsure, you choose a modern insurance provider that leverages the advantages of digitalisation to offer you first-class service and tailored protection.
What should the ideal daily hospital allowance be?
There are several misconceptions and myths surrounding hospital daily allowance insurance that can lead to misjudgments. A common myth is: **"My statutory health insurance (SHI) already covers all costs in the hospital."** This is not correct. The SHI covers standard medical care, but there are often co-payments (e.g. 10 Euros per day), costs for optional services (single room, chief physician) or indirect costs (loss of earnings, childcare) that are not covered. Another misconception: **"Hospital daily allowance insurance is only relevant for private patients."** Even those with statutory insurance can benefit significantly, as they often have the largest financial gaps due to co-payments and uncovered additional costs. Myth number three: **"Hospital daily allowance is too expensive."** The premiums depend on age, health condition and desired daily allowance. Often, the costs are manageable, especially when comparing them to the potential financial risk of a longer hospital stay. It is worthwhile to compare. Fourth is the assumption: **"I am young and healthy, I don't need it."** Accidents or unexpected illnesses can happen to anyone, regardless of age. Early insurance is often cheaper. Finally, the misconception: **"I receive sick pay, that's enough."** The sick pay from SHI often only covers part of the net income, and self-employed individuals usually have little or no entitlement. Hospital daily allowance is a sensible addition, not an alternative to sick pay.
