Cleverly expand health protection
Optimise your statutory health insurance protection with supplementary health insurance from nextsure. Tailored, digital, and needs-based. Find the right plan now!
Individual Service Packages
Digital Contract Management
Comprehensive Health Coverage
Supplementary Health Insurance: Your Advantage for Optimal Healthcare
Closes Coverage Gaps in Statutory Health Insurance
Access to Top-Tier Medicine
Secure Financial Relief
Individual Health Services
An overview of the key components of supplementary health insurance
The statutory health insurance (gesetzliche Krankenversicherung, GKV) in Germany offers solid basic coverage but often reaches its limits with specific medical needs or comfort requests. Supplementary health insurances (Krankenzusatzversicherungen, KZV) are designed to specifically close these gaps and provide you with individual health protection. nextsure, as your digital insurance portal, helps you to transparently identify and combine the service modules that suit you best. Key modules include the outpatient supplementary insurance. This extends GKV coverage with services like coverage for visual aids (glasses, contact lenses), co-payments for medications and remedies (e.g., massages, physiotherapy), as well as reimbursement for treatments in the field of alternative medicine, such as by alternative practitioners or osteopaths. This module is particularly valuable if you regularly rely on such services or place value on complementary medical procedures. Another central area is the inpatient supplementary insurance, often referred to as hospital supplementary insurance. It ensures you the status of a private patient in the event of a hospital stay. This generally includes free choice of hospital, treatment by the head doctor or a specialist of your choice, and accommodation in a more comfortable single or double room—a significant advantage for swift recovery in a pleasant environment. The dental supplementary insurance is among the most popular and important additions, as the GKV provides only fixed subsidies for dental prostheses like implants, bridges, or crowns, often leaving a considerable personal contribution. A good dental supplementary insurance covers the majority of these costs and often also includes professional dental cleanings, inlays, or orthodontic treatments, particularly for children and adolescents. Additionally, there are further specialized modules: The travel health insurance is essential for any trip to ensure optimal care abroad in case of illness and to cover, if necessary, a medically necessary return transport. The daily sickness allowance secures the income of self-employed individuals, freelancers, and also employees against losses during extended periods of incapacity for work. The nursing care allowance insurance offers important financial security in the event of needing care. Depending on individual needs, pure optical insurance or special rates for alternative practitioner services may also be sensible. The art lies in crafting a package that precisely meets your personal needs and living situation. nextsure offers you not only comprehensive information and comparison calculators but also expert digital advice to design your tailored health protection.
Completely covered
Our service modules for you
AmbulantPlus
Coverage of co-payments, visual aids, naturopathic treatments.
KlinikKomfort
Chief physician treatment and single or double room.
DentalSchutz
High-quality dental prosthetics, prophylaxis, and orthodontics.
International Trip
Worldwide protection in case of illness during your holiday.
TagegeldPlus
Financial security during hospital stays or illness.
VorsorgeSpezial
Advanced health screenings and preventive measures covered.
KinderOptima
Best care for your children, including orthodontics.
SehenHören
Attractive grants for glasses and hearing aids.
NaturMedizin
Coverage for alternative healing methods and naturopathic treatments.
Individual protection tailored to your needs
Your health.
Your individual protection.
Costs and Benefits: When is supplementary health insurance really worth it?
Choosing supplementary health insurance is often a careful balance between the monthly premiums and the potential benefits. Essentially, supplementary health insurance is worthwhile whenever the value of the additional services exceeds the costs or when there is a high need for security to cushion unforeseen healthcare expenses. The cost of supplementary health insurance is determined by various factors, including your age at entry, your health status at the time of enrolment, and the level of cover selected. Younger and healthier insured individuals typically benefit from lower premiums. The benefits of supplementary health insurance are evident on several levels: firstly, the direct financial benefit, such as covering high costs for dentures, which the statutory health insurance (GKV) only partially covers. A dental supplement can quickly mean savings of several thousand euros here. Secondly, there is the indirect benefit, such as access to more modern treatment methods, consultant treatment in hospital, or staying in a single room, which can positively influence the recovery process. The coverage of costs for visual aids, alternative healing methods, or extended preventive examinations also represents a clear added value. Supplementary health insurance is particularly meaningful for those with foreseeable needs (e.g., known visual impairments or upcoming dental treatments), for families (e.g., due to orthodontic treatments for children), or for individuals who generally value above-average medical care. Self-employed individuals can also benefit from sickness benefit insurance. In the long term, supplementary health insurance is an investment in one's own health and financial stability. Nextsure assists you with transparent comparisons and individual advice to find the optimal cost-benefit ratio for your needs, enabling you to make an informed decision.
Finding the Right Supplemental Health Insurance: A Guide for Consumers
Selecting the right supplementary health insurance (KZV) can be challenging given the variety of providers and plans. A structured approach helps you find the optimal coverage for your needs. Start with a thorough needs analysis: Which healthcare services are personally important to you? Do you primarily need coverage for dental, hospital stays, outpatient treatments, or a combination of these? Note down your priorities. Next, inform yourself about the various benefit components such as dental, hospital, outpatient supplementary insurance, travel health insurance, or daily sickness allowance. Understand which costs are covered in each case. Then use independent comparison sites and the digital services of nextsure to get an overview of the market. When comparing plans, focus not only on the price but especially on the price-to-performance ratio. Read the fine print carefully: Are there waiting periods before benefits can be claimed? What are the limits or deductibles applicable? What exclusions are defined in the contract? An important point is the health questions. Answer these truthfully and completely to avoid jeopardising your insurance coverage. Some plans offer simplified health checks or even none at all, but they often come with higher premiums or limited benefits. Check the flexibility of the plan: Can it be adjusted to changing life circumstances? Are enhancements to benefits possible afterwards? Seek expert advice if necessary. The experts at nextsure are available digitally to help clarify your questions and support you in choosing the tailored plan. This ensures that your supplementary health insurance perfectly matches your individual needs and provides the desired protection in the event of an emergency.
Supplementary health insurance for special needs: children, the self-employed, seniors
The need for healthcare services varies significantly depending on one's life stage and professional situation. Supplementary health insurance (KZV) offers specific rates and components tailored to the needs of children, the self-employed, and seniors. For children, dental insurance is particularly relevant as it covers orthodontic costs (braces), since statutory health insurance (GKV) often only covers a fraction of these expenses. Tariffs that include rooming-in at the hospital for a parent or extended preventive check-ups are also advisable for families with children. nextsure offers special family tariffs or flexible children's components for this purpose. Self-employed individuals and freelancers often have different insurance needs compared to employees. For them, a sickness benefit insurance is critically important to compensate for income loss during extended illness, as they do not receive continued pay from an employer. They can also benefit from tariffs that offer flexible premium payments or quick doctor appointments. A good inpatient supplementary insurance for optimal hospital comfort can also be significant for this target group. For seniors, other aspects become more important. As one ages, the need for medical care often increases. A KZV can ensure access to high-quality dental prosthetics, better visual aids, or more comfortable hospital accommodation. Some tariffs also offer benefits for preventing age-related diseases or subsidies for aids. An early conclusion is advantageous here too, as contributions increase with age of entry and health checks may become stricter. nextsure analyses your specific situation and recommends tailor-made KZV solutions, whether you are looking to provide optimal care for your family, secure your income as a self-employed individual, or improve your healthcare as a senior.
Health Questions and Waiting Times: What You Need to Know Before Signing Up
When taking out supplemental health insurance (KZV), health questions and waiting periods play a crucial role. It is essential to understand these aspects in order to prevent future disappointments and ensure comprehensive coverage. Health questions allow the insurer to assess your individual risk. You must answer all questions about your current health condition and past illnesses truthfully and completely. Concealed or falsely represented illnesses may result in the insurer refusing to cover costs, terminating, or adjusting the contract (risk surcharges, exclusions). This is known as a breach of the pre-contractual duty of disclosure. Be absolutely honest with your details and take your time when filling them out. Waiting periods are durations after the start of the contract during which you cannot yet claim benefits for certain treatments. Commonly, general waiting periods of three months apply for most services. Special waiting periods of eight months often apply for dental prosthetics, orthodontics, psychotherapy, and childbirth. In the case of accidents, waiting periods generally do not apply. The exact regulations can be found in the terms and conditions of your tariff. Some insurers offer tariffs with reduced or no waiting periods, often associated with higher premiums or more detailed health examinations. Typically, there is no coverage for certain ongoing or recommended treatments. nextsure values transparency: We provide you with comprehensive information about the significance of health questions and the specific waiting periods of the offered tariffs so that you can make an informed decision for your health protection.
Digital & Simple
Manage contracts online
Personal & Competent
Take advantage of expert advice
Tailored & Fair
Plans to suit your needs
Claim event occurred: How to correctly submit invoices and receive your reimbursement
If an insured event has occurred and you have undergone medical treatment covered by your supplementary health insurance (KZV), you naturally want to receive your reimbursement quickly and without hassle. Correct procedure in submitting the documents is crucial for this. First, gather all relevant documents, which typically include original invoices from doctors, dentists, therapists, or hospitals, prescriptions for medications or aids, as well as any orders or cost estimates (especially for expensive procedures like dental prosthetics, prior approval is often advisable). Ensure that the invoices include all necessary information: the patient's name, type of treatment, treatment date, cost breakdown, and diagnosis (encrypted if applicable). Many insurers, including nextsure, now offer digital submission methods, such as via an app or online portal, greatly speeding up the process. Photograph or scan your receipts and upload them. Familiarise yourself with the specific submission modalities of your insurer. Adhere to the deadlines set by the insurer for submission. Generally, you have several years to assert claims, but timely submission is recommended. Complete the insurer's claim form (if required) fully and accurately. Provide your contract number and bank details. Once received, the insurer will review your claim according to the contract terms. Upon positive review, the reimbursement will be credited to your account. Should there be any queries or partial rejections, do not hesitate to contact customer service for clarification. nextsure offers support with an efficient, digital submission process and is at your side for questions regarding claims processing.
Cancellation and switching of supplementary health insurance: What needs to be considered?
There can be various reasons for cancelling an existing supplementary health insurance (KZV) or switching to another provider: dissatisfaction with benefits, a cheaper offer, or changed life circumstances. However, there are important aspects to consider. Regular cancellation is generally possible at the end of the insurance year or the contract term, usually with a notice period of three months. Extraordinary termination rights exist, for example, in the case of a premium increase without simultaneous improvement in benefits or if statutory health insurance (GKV) cuts benefits that were covered by the KZV. A crucial point when switching is that for supplementary health insurance (unlike private comprehensive insurance) age provisions are generally not accumulated, which could be transferred to the new provider. This means the new contract is based on your current age and health status, which can lead to higher premiums. Moreover, a new health assessment is usually required, and new waiting periods may arise. Therefore, a switch should be well thought out. It can be worthwhile if the new tariff offers significantly better benefits at the same or a cheaper price or if the previous tariff no longer meets one's needs. Compare the offers carefully and pay attention not just to the price, but especially to the benefits and terms included. Only cancel your old contract once you have received the written confirmation (policy) from the new insurer to avoid gaps in coverage. nextsure provides transparent advice on the pros and cons of switching and helps you make the decision that suits you best.
The Future of Supplementary Health Insurance: Digital Services and Trends
The insurance industry, including the sector of supplementary health insurance (SHI), is in constant flux, primarily driven by digitalisation. Nextsure, as a modern insurtech company, actively shapes this development to offer you innovative and customer-focused solutions. A central trend is the increasing shift of processes to the digital realm. From contract signing to management and claims reporting – everything is becoming simpler, faster, and more transparent. Customers today expect intuitive online portals and mobile apps that allow them to manage their insurance matters anytime and anywhere. Telemedicine services are gaining importance. The possibility of consulting a doctor via video chat or phone is increasingly being integrated into SHI plans, facilitating access to medical care and saving time. Health apps and wearables are playing an ever-increasing role, not just for monitoring fitness data, but also for prevention and support in chronic disease management. Insurers are beginning to incorporate such digital aids into their concepts, for example, through bonus programmes for health-conscious behaviour. Artificial intelligence (AI) and big data analyses enable a higher degree of personalisation in tariffs and services. Based on individual data, more tailored offers can be created and risks assessed more precisely. Digital submission of invoices via photo upload is already standard with many providers and significantly speeds up cost reimbursement. Nextsure consistently focuses on these digital innovations to provide you with an optimal insurance experience: from AI-driven needs analysis to fully digital contract signing to seamless claims processing via app. The future of supplementary health insurance is digital, customer-focused and prevention-oriented – for health protection that adapts to your life.
What exactly does supplementary health insurance provide?
Contributions to supplementary health insurance (KZV) can be tax-deductible under certain conditions, reducing your tax burden. This applies to expenses for the so-called basic health insurance and any additional elective benefits. Contributions to supplementary health insurance are considered precautionary expenses. A distinction must be made here: Contributions that ensure insurance cover at the level of the statutory health insurance (GKV) (basic cover) are generally fully deductible. This includes certain outpatient and inpatient tariffs, provided they cover essential services. Contributions for purely elective or comfort services, such as chief physician treatment, single rooms, high-quality dental prosthetics above GKV level, or alternative practitioner services, can be considered as 'other precautionary expenses'. However, there are maximum amounts for these other precautionary expenses: For employees and civil servants, this is 1,900 euros per year, for the self-employed who fully bear their health insurance contributions themselves, it is 2,800 euros. These maximum amounts are often already exhausted by contributions to basic health and care insurance. Therefore, contributions to typical supplementary health insurances that go beyond the basic cover often only have a tax effect if the maximum amount has not yet been reached. Your insurer, including nextsure, submits the relevant data about your contributions directly to the tax authorities within the framework of the electronic procedure (eData). You must enter the contributions in your tax return in the pension expenses section. It is advisable to keep the annual certificate from your insurer on the contributions made. For precise tax advice, you should consult a tax advisor or an income tax assistance association, as the individual situation is decisive.
