Your comfort: Single room in the hospital
Secure your single room and chief physician treatment with nextsure's supplementary hospital insurance. Get informed now and calculate your tariff!
Privacy & Quiet
Better Recovery
Chief physician treatment often included
Why an additional hospital insurance for a single room makes sense
Maximum Privacy
Significantly reduced risk of infection
Option for free choice of doctor
Optimal conditions for your relaxation
Services in Detail: What does the single room insurance cover?
An additional hospital insurance focusing on a single-bed room offers you significant advantages over the standard services of statutory health insurance. Fundamentally, it covers the extra costs of accommodation in a single-bed room, allowing you to enjoy maximum privacy and peace for your recovery. Moreover, private medical treatment, including treatment by the head physician, is often an integral part. This means you can be treated by leading specialists whose fees are charged according to the medical fee schedule (GOÄ). Many plans also include the option to choose your hospital, so you can be treated in specialized private clinics. Additional services may cover the cost for a companion's room accommodation, a daily hospital allowance for forgoing optional services, or even services for outpatient surgeries. It is important to compare the exact benefits of the plans, as details like the amount of cost coverage for medical fees (e.g., up to the highest rate of the GOÄ) or policies regarding the unavailability of a single-bed room can vary. nextsure helps you find the plan that best meets your individual needs, ensuring you have the best possible comfort and medical care in an emergency.
Your extra comfort
Our services for your recovery
Single room
Guaranteed accommodation in a comfortable single room for your peace and privacy.
Choice of Chief Physician
Free choice of attending physician, including specialists and chief physicians.
Cost Coverage
Coverage of additional costs for the single room and optional medical services according to the tariff.
Free choice of hospital
Flexibility in choosing a hospital, often including private clinics.
Rooming-In Option
Possible coverage for the inclusion of an accompanying person (dependent on tariff).
Substitute Daily Allowance
Financial benefit if the insured single room is not available.
Digital Service
Simple contract management and quick damage reporting via our online portal.
Outpatient surgeries
Often also benefits for outpatient surgeries that replace hospital stays.
International option
Insurance coverage for medically necessary treatments abroad (depending on the tariff).
Tailored protection in the hospital – easily digital with nextsure.
Ready for more comfort & privacy?
Secure your private room in the hospital now!
Costs and Contributions: How much does the comfort of a single room cost?
The costs of supplementary hospital insurance that covers a single room vary and depend on several factors. Your age at the time of joining plays a significant role: the younger you are when you take out the policy, the lower the monthly premiums usually are. Your health condition at the time of application is also crucial, as insurers ask health-related questions to assess the risk; pre-existing conditions can lead to premium surcharges or benefit exclusions. The chosen level of coverage greatly influences the price as well – a policy that includes not only the single room but also treatment by the chief physician up to the highest rates of the German Medical Fee Schedule (GOÄ) and unrestricted choice of hospital will tend to be more expensive than a basic policy. Some insurers offer plans with or without age-related provisions. Plans with age-related provisions are somewhat more expensive initially, but the premiums increase less sharply as you age. At nextsure, you can compare various policy options transparently, enabling you to find the best value for the hospital coverage you desire. Careful calculation and comparison of different offers are essential to obtain the appropriate and affordable coverage for the comfort you want in case of illness.
For whom is the hospital supplementary insurance (single room) particularly recommended?
A hospital supplementary insurance with a single room guarantee is generally recommended for anyone who values maximum privacy, peace, and comfort in the event of a hospital stay. However, certain groups of people benefit particularly: professionals and self-employed individuals who need to work uninterrupted or take important calls while in hospital appreciate the seclusion of a single room. People with a high need for peace or lighter sleep disturbances find optimal conditions here for a quick recovery. For those who place importance on discretion due to their profession or position, a single room is often essential. Additionally, for patients who wish to avoid a higher risk of infection, a single room offers advantages. Parents, like "Family man Markus," might value the comfort to fully focus on recovery or to enable rooming-in for a child if the tariff covers this. Ultimately, it is an individual decision that depends on personal comfort requirements and financial capabilities. nextsure provides comprehensive advice on whether this cover is sensible for your specific life situation.
What to consider when signing up: Tips for the optimal tariff
When taking out supplementary hospital insurance for a single room, there are some important aspects to consider in order to find the best policy for you. First, check the exact scope of benefits: Is only the single room covered or does it also include treatment by the chief physician? Up to what rate of the Medical Fee Schedule (GOÄ) are doctors' fees covered? Is there unrestricted free choice of hospital, including private clinics? Be aware of any waiting periods; typically, there are three months for general services and eight months for special services such as childbirth. Answer the health questions completely truthfully to avoid jeopardising your insurance coverage. Find out about the rules if a single room is not available – is an appropriate substitute daily hospital allowance paid? Compare the insurer's stability and reputation. For long-term planning, options for premium stability in old age can also be relevant. nextsure supports you with transparent comparisons and expert advice, so you can consider all eventualities and make an informed decision.
Single Room vs. Twin Room: A Direct Comparison of Advantages
The choice between a single room and a twin room in the hospital has significant effects on your stay and recovery process. The most obvious advantage of the single room is the unrestricted privacy. You are not disturbed by fellow patients, their visitors, or nighttime noises, creating a calmer and more restful environment. This can positively impact sleep quality and thereby aid healing. Another important aspect is the reduced risk of infection, as you do not share the room with potentially infectious patients. In a single room, you also have more flexibility in organising your daily routine, whether for rest periods, phone calls, or receiving visitors. While a twin room is covered by statutory health insurance, a single room usually requires additional insurance or considerable private payments. The supplementary hospital insurance offsets this difference and provides you with the comfort of a private patient. The decision depends on your personal preferences and your need for peace and discretion. nextsure offers tariffs that secure exactly this added value for you.
Peace & Privacy
Uninterrupted recovery in a private room
Top treatment
Option for consultant treatment
Free Choice
Often includes free choice of hospital
Chief physician treatment: Often an important component of the single room policy
The consultant treatment is a central component of many supplementary hospital insurance policies that also cover single occupancy rooms. It ensures you receive personal medical care from the hospital's senior doctors or designated specialists of your choice. This goes beyond the standard coverage provided by the on-duty attending physician and can be particularly advantageous in the case of complex illnesses or surgeries. The billing for consultant services is carried out according to the German Medical Fee Schedule (GOÄ), often up to the maximum rates (3.5 times the rate or higher). A good policy ensures that these costs are fully covered. The combination of a single occupancy room and consultant treatment is often referred to as 'private patient status' and aims to provide you with the highest quality medical care and the utmost comfort during your hospital stay. When completing the tariff, carefully examine whether and to what extent consultant treatment is included, as this is a crucial quality feature of a high-quality supplementary hospital insurance policy. nextsure advises you on tariffs that comprehensively consider this important aspect.
Health issues and waiting times: What you need to know
When taking out supplementary hospital insurance, especially for comfort benefits such as a single room, health questions and waiting periods are important factors. Insurers will ask detailed questions about your health status and existing pre-existing conditions in the application. This health check is used for risk assessment. Incorrect or incomplete information can result in the insurer withdrawing from the contract or refusing benefits in the event of a claim (breach of pre-contractual duty of disclosure). Therefore, be absolutely honest and thorough. Pre-existing conditions can lead to risk surcharges, exclusions for certain conditions, or, in extreme cases, rejection of the application. Most plans also provide for waiting periods. A general waiting period of three months from the start of the contract is common, during which no benefits can be claimed. For certain areas such as childbirth, psychotherapy, or dentures (if covered), special waiting periods of eight months often apply. For hospital stays due to accidents, waiting periods are usually waived. Therefore, taking out insurance early, ideally while in good health, is always recommended to be fully protected when needed.
Easily switch or complement your existing protection
If you already have supplementary hospital insurance, but it doesn’t cover the desired comfort of a single room, or if you want to optimise your existing coverage, there are various options available. Switching to a new provider or a more comprehensive tariff with your current insurer is generally possible. Please note the cancellation periods of your old contract (usually three months before the end of the insurance year). A new contract usually requires a fresh health assessment. Any age-related provisions already accumulated are often lost when switching insurers in the area of supplementary health insurance. An alternative could be enhancing your existing coverage. Some insurers offer specific modules that allow you to upgrade your existing two-bed room tariff to include the single room option. This may sometimes be possible without a new health assessment or with simplified health questions. nextsure is happy to analyse your current coverage and work with you to determine if a switch or enhancement is advisable to optimally adjust your insurance to your needs, particularly your preference for a single room.
What exactly is a supplementary hospital insurance for a single-bed room?
nextsure sees itself as your digital partner for specialised insurance solutions, including high-quality hospital supplementary insurance with single room comfort. Our mission is to offer you tailored and easy-to-understand insurance solutions. Thanks to our focus on niche products and fully digitalised application processes, you can conveniently find and conclude your desired tariff from home. We value SEO-optimised, expert content to inform you comprehensively. For your hospital supplementary insurance, this means: transparent comparisons of tariffs that ensure you the privacy of a single room and, if desired, treatment by a chief physician. Our Unique Value Proposition lies in the combination of a broad portfolio, expert advice, and a seamless digital experience. Trust nextsure to provide the insurance coverage that gives you the best possible environment for your recovery in the hospital – professional, trustworthy, and digital-first.
